BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: AVANTE
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by Avantee. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions 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 disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

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 2020-03-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT OWE XXXX  {$320.00} OR {$180.00}. REMOVE FROM MY CREDIT REPORT. I WAS A VICTIM OF IDENTITY THEFT WHEN MY CAR WAS CARJACK

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 2020-11-18
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account under a {$300.00} promotional bonus. 

I met the conditions of the bonus, both depositing {$1000.00} and making 10 debit payments within 90 days. The bonus was supposed to have been paid out at the latest on XX/XX/20. 

I waited until around XXXX and messaged and was told that there was no timeframe on the bonus. I called a few weeks later and now was told I didn't qualify for the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04
Company: U.S. BANCORP
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:
XXXX XXXX XXXX falsely claims that I have not paid a charge of {$52.00} ( for XXXX XXXX XXXX ) and now demands that I pay it. I paid the {$52.00} at issue back in XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( attached ) whereby XXXX threatened to report me to four credit reporting agencies if the {$52.00} is not paid. Moreover, I have always paid my credit card statements in full, so XXXX demand makes no sense. 

I have spoken to numerous people at XXXX XXXX XXXX trying to resolve this issue without any success resulting in wasted time and emotional stress. Even though XXXX XXXX XXXX acknowledged on XX/XX/XXXX that the {$52.00} was paid in XX/XX/XXXX, it still stands by its XX/XX/XXXX letter. On XX/XX/XXXX, an XXXX representative and her supervisor vehemently insisted that the XX/XX/XXXX letter had nothing to with the {$52.00}, but just a letter they routinely send out to remind people to pay on their balances. However, a simple read of the letter contradicts XXXX XXXX XXXX claim. I am very concerned that XXXX XXXX XXXX false claim will severally affect my credit rating, especially as a senior citizen. 

Attached is the XX/XX/XXXX statement clearly stating the {$52.00} had been pay after it had been reinstated in the XX/XX/XXXX statement ( attached ) with a total balance due of {$820.00}. The {$820.00} was paid in full in 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 non-monetary relief
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2017-01-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is not applying over-payments to my principal despite being directed to do so. I have been making all my extra payments on the highest interest loan. According to their policy they will continue to advance the due date on this loan indefinitely unless I request otherwise. I have routinely indicated that payment should be made to the the principal and not advanced, but they have consistently done the opposite. I call every month to have them remedy this, and they note that I have indeed directed them to apply the payment to the principal. On my latest call after much pressure, the representative stated that this would be a recurring issue as I am in the IBR ( income based repayment ) program and that I would just have to call each month to fix. When pushed to clarify if this was just an issue with my account or a known issue with all accounts wishing to apply over-payment to principal, the representative did additional research and found that it was a known issue with other accounts as well. 

This causes additional interest to accrue on my student loans and benefits Navient. I find it hard to believe that a company responsible for handling billions in student loans is unable to fix this issue in a timely manner. I am wasting an hour every month on the phone trying to work this out. Now knowing that it is not a one time issue and that it is effecting other people trying to make repayments ( some of whom may not be catching the issue ) it seems like an issue that CFPB should look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: WMC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?

Company response to consumer: Closed
Consumer complaint received 2016-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: First National Collection Bureau, Inc.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters 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 2020-03-09
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
My complaint is about Target US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ 324 Monthly payment {$28.00} Late payments -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Enhanced Recovery Company XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The person identified themselves as an employee of RCI and spoke to my ex father in law. I dont own any timeshare, but when I called to ask what it was regarding, the employee said : sorry, I called the wrong number, hung up on me, then called my ex husband. The person called from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Aldous & Associates, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX Account Aldous And Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I call nearly every month to have my payments lowered base on income based payments, the person on the line states what my new amount will be. Come next month, the amount due is NOT what was stated on the phone. I am forces to pay the full amount other wise I am penalized for not paying full amount. Forced to call and talk to a new representative and explain my whole situation AGAIN, they tell me the other person did it wrong and now " problem is fixed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
y Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXX XXXX Which was brought by LUV funding was previously deleted for false information and inaccuracies. This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account. 

The information is in accurate the debt was sold without my permission or written signature to a collection agency. 

I have asked for original proof of ownership as well as a copy of my Identification and wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had some issues with my car and had to put {$2000.00} down on a new one. Causing me to be behind on Bill 's. I contacted World finance and said I would make the payment as soon as I could. They continue to call everyday to my references and work place and even told my references that I was behind on my payments. They violated my privacy and have caused issues at my work. XXXX at world finance in XXXX texas has been out of hand. And i refuse to contact them because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took a loan from speedy cash/repid cash in XX/XX/XXXX and they just cashed a check for the payoff amount on XX/XX/XXXX. The collection agency that this was reported to made no attempt to contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account is almost 6 years old and was closed by the company a long time ago. Due to the length of time this account has been open this account should no longer be affecting my credit & my ability to move forward with the things I need in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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