BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Avant Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2014 I applied for a loan through Avant Credit for XXXX  work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The XXXX determined that I was wronged by Bank of america, the settlement was that bank of america NA would submit documents too the XXXX credit bureaus to repair my credit and reduce amount owed. They were to remove all legal fee 's and other fees associated with my mortgage. They did not comply causing me serious difficulty in purchasing a vehicle and refinancing my home loan. They instead sold my loan to XXXX XXXX and pretty much left me with bad credit and a payment of XXXX per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: U.S. BANCORP
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried calling the number from the contact information from ELAN FINANCIAL and it is a recording asking me to enter my credit card number. When I enter mine it says it can not find my number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On XXXX : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On TransUnion : XXXX Opened XX/XX/XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submit a dispute with Citibank credit card under the claim number XXXX. 
I sent all the documents that the bank requested, because the seller never provided the merchandise... 
The bank closed the case without any reason revoking the provisional credit given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It occurred without my knowledge, approval

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft since 2012 the person even tried to file taxes in my name irs has even investigated and has acknowledged I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my name is  XXXX   XXXX , I have a complaint to write about my banks with my home loan. My current ban k Wells Fargo Ba nk has received my full Request for Loan Modification packet that I sent in recentl y. Wells Fargo B ank admits they have received t he Request for Loan Modification  packet but they still have put my home for foreclosure sale which is scheduled for  XXXX  -2017. I do nt know why they are posting my home if they have a compl ete Request for Loan Modification  packet. How am I supposed to deal with this now they are saying its too close to the sale date to do anything.   I originally had my loan started with  XXXX   XXXX    XXXX   I used to pay all the time and on time around {$1100.00} per month for my mortgage until the recession hit and I was affected very badly by it. I lost a very big amount of income and could not pay the loan. After some time I got back on my feet and could actually pay. When this time come my loan mortgage was changed to Wachovia Bank. Wachovia Bank was asking me to pay a monthly amount of around {$1800.00}. This was much higher then what I could not pay in the beginning. After some time has passed I was notified that my loan was again changed  to Wells Fargo Bank. This Wells Fargo is now my current bank. Wells Fargo Bank is now asking me to pay {$2400.00} per month for my loan. How is this possible? I can   not afford this amount what can I do to get a payment amount that I used to have. Ive tried but had no luck. Ive sent  the Wells Fargo Bank all my documents a full RMA packet but t hey are saying I dont have enough time to be reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect information on my XXXX ( Equifax and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was nothing to explain further I have been sending letters to Experian and XXXX  and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX ( ORIG CREDITOR NAME : XXXXXXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was no category for coercing payment. I was trying to buy a home, I was pre approved. When trying to finish my application after my offer was accepted, a collection reported on my account. I was told it must be paid and cleared for my mortgage to go through. I called TransWorld Systems Inc. to verify the debt so I could pay it later as I was buying a home. The agent then pressured me to pay that day under the promise of removing it from my report so I could then go forward with my mortgage. I was promised total account deletion by TransWorld Systems , INC for full one time payment within 90 days of collection being opened. I did not get anything in writing, not the debt or the promise to delete for payment. I Contacted the company Several times to remind them to remove it from my credit as I was trying to buy a house. I was then told that unless I have an email or letter, they will not remove anything. I contacted the original creditor and they told me they had expedited the account for deletion by their collection representative because I did pay immediately in full. It has been 2 months and its still ruining my credit and I lost my ability to buy a home. I only paid that day ( XX/XX/2020 ) without proof because the company promised to delete the collection and I needed it gone to buy a house. I was coerced to pay an unverified debt because they knew how impactful their collection would be in my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
filed my first complaint with cfpb on XX/XX/XXXX, complaint XXXX basically addressing the same issues. My contract with Cross Country Mortgage LLC., reads no escrow for hazard insurance and prop taxes, and I have paid my ins through XX/XX/XXXX. I received a written notice on XXXX from Cross Country Mortgage LLC escrow ins in the amt of {$470.00} eliminating my escrow for hazard ins. My original statements show absolutely no escrow for hazard ins. In spite of this, when I do get a statement, it still shows the escrow and the amount. Obviously, my concern is that it's creating a short fall in my mortgage payments each month. Cross Country Morgage has continually failed to apply accurately my monthly payments and providing me with my mortgage statements and XXXX yearend Federal form XXXX for interest paid for XXXX. I have made many attempts to contact Cross Country Mortgage LLC both by telephone, email, and letters to resolve these issues. It is my understanding that Cross Country Mortgage has a 3rd party arrangement with another company handling their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a collections account appear on my credit report that I had no knowledge of. When I contacted Wakefield and Associates on XX/XX/XXXX, I was told they could not send me an itemized bill for the original account unless I submitted the request in writing. They could only tell me the name of the original account holder. They could not tell me what the bill was for. I had already verified my personal information. They also told me that they had spoken with me prior and had sent me multiple bills in the mail. I did not receive any of them nor did I speak with anyone on the phone. On XX/XX/XXXX, I contacted the original debt holder ( XXXX XXXX ) in an attempt to verify the validity of the debt. They also could not tell me what the services rendered were. They told me they were the billing office for the doctors at the local hospital. They also said they mailed me bills and attempted to call me. I did not receive either. I then contacted Wakefield & Assoc. again, only to be told that if I chose to settle, they would not negotiate the terms. 30 % discount and then they would put in a request to have my account deleted, but only if I paid by card which had a processing fee of {$6.00}. I requested another bill, and that was when they told me that the settlement offer expired on XX/XX/XXXX and the mail might not get there by then. They said I had to have my payment to their office by XX/XX/XXXX in order to qualify for the discount and to have the request for deletion be sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud and identity theft have been committed by XXXXExperian . 
I ask for a validation and verification of all items on my credit report. XXXX failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with XXXX and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation