BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.

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 2017-06-21
Company: MB FINANCIAL, INC.
State: MI
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:
I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account status in collections is false. showing in collection but when i click to see what account i " have '' it shows a paid acct. its very contradicting. date reported is fraud that acct has been paid in full 3 months BEFORE reported date!! what's going on!! this is intimidating and affects my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from XXXX XXXX XXXX, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times.

I've emailed the company ( XXXX XXXX ) without response. I've also filed requestes with transunion/XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.

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 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was looking for a sublease for 4 months and got into contact with XXXX XXXX through XXXX XXXX XXXX XXXX XXXX page around XX/XX/2022. She said that an apartment was available in downtown XXXX, and connected me to XXXX XXXX. XXXX XXXX contacted me and said that there was a furnished apartment available at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. She said that I had to pay the security deposit {$600.00} and first month 's payment, {$1000.00} upfront. I sent the money through XXXX, XXXX, and we signed the contract, providing that a sublease agreement has been created and that I could move in on XX/XX/XXXX. A few weeks later, XXXX XXXX emailed me, insisting that I had the pay the second month 's rent as well, saying that it was the landlord 's request. I refused because it was not specified in the contract. It was odd that she asked for the 2nd months payment ; I've never had a landlord asked me that. I contacted the numbers on the contract and they didn't answer. I found XXXX 's property site on XXXX, and when I asked to speak to their employee, XXXX XXXX, they said that she never worked there. I sent them a copy of the contract that I signed, with XXXX XXXX ' logo on it, and they said that it was a fake. They said that XXXX XXXX had nothing to do with this contract and that I got scammed. 

I contacted Bank of America regarding this issue and told them that this was a fraudulent transaction. They refused to return the {$1600.00} that was sent via 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 2022-03-11
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An account with XXXX Bank for a store called XXXX XXXX XXXX was opened in my name several years ago. I notified XXXX Bank that this debt was not mine and was due to identity theft. After an investigation the account was deemed fraudulent and removed from my credit report. A debt collector named CREDIT CORP SOLUTIONS INC has attempted to collect this debt that was not mine even after the original creditor acknowledged that the account was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.

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 2022-03-11
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX loaned a fixed sum of {$900.00} on XX/XX/XXXX and was paid back in full with interest. 

One of the payments made on XX/XX/XXXX for {$110.00} failed to process due to an unknown and unexplained error by mobiloans.com. 

I notified Mobiloans on XX/XX/XXXX that this payment was not deducted even though the payment was properly reflected on my account balance statement. This loan was subsequently paid in full. Several months later, on XX/XX/XXXX, Mobilloans sent this email. 

Dear [ XXXX ], Please note, this email is for information purposes only and no action is required on your behalf. 

Our records indicate that the payment reflected on your Mobiloans account for XX/XX/XXXX was not actually processed by your bank. 

We will add this unprocessed payment amount to your principal and overall balance. These new balances will be reflected immediately in your account. You will have XXXX billing cycles to make up this payment. 

If you have any questions, please contact Customer Support at XXXX Sincerely, The Mobiloans Team On XX/XX/XXXX, I checked the online balance and it was higher than this {$110.00} payment. 

This unknown line item charge was added without my knowledge or any notiifcation XXXX on XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX FFC at 10 % Off {$9.00} {$36.00} {$120.00} Due to their error, XXXX is now requiring an automatically payment in the amount of {$120.00} from my bank account. This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-04
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Not reporting correct date with credit grantor. Should be showing 2014.

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 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit has continously been harassing by phone calls and mail about a debt I don't owe. They claim I opened a credit card in a state I've never lived ever. I notified them about me been a victim of identity theft and how I have notified that to the corresponding agencies. Midland kept harassing saying that's everybody excuse for not paying. After two years of harassment, they sued me in another state than where the allegedly debt was originated. there are in discrepancies in my credit report and those have been notified to the collection agencies, but Midland Credit doesn't accept any proof, they just want me to pay for a credit card balance that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection placed by XXXX XXXX in XX/XX/XXXX. The phone did not work in rural area, I was alone with no service on my cell. XXXX was the only service that worked. XXXX agreed to not pursue the remainder of the contract, they sent it to collections after agreeing not to pursue the balance. The collection agency is reporting it as of XX/XX/XXXX, this is from XXXX. It has hurt my credit rating several times when applying for loans, higher percentage of interest. The collection is going to be removed XX/XX/XXXX due to the expiration of 7 years on a credit report. I contacted the collection agency over the report in XX/XX/XXXX so they changed the collection to read it was opened in XX/XX/XXXX, this is from XX/XX/XXXX. I have been with XXXX XXXX since XX/XX/XXXX due to this cellular not working. This has stopped me from applying for a mortgage to get a new home. I tried to reduce the rate on a current loan I have and due to this collection report incorrect, it was denied. I cant apply for any loans till after this is removed. I have talked to several XXXX customers and this company is ruthless in sending out collections for a product that doesnt work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Avant Credit Corporation
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRUIST FINANCIAL CORPORATION
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:
XXXX removed Regional Acceptance from my credit report just recently and I had a dispute with XXXX to remove this closed account but they said it will remain. How can they not remove it when its removed off of XXXX. It is suppose to be removed from all credit reports.

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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: PA
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:
Dear chase, I recently received a letter about a fraudulent account thats being reported on my credit report and it stated please provide more information about your dispute First and foremost I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX COLLECTION SERVICES # XXXX never had this account or done any business with these companies.

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 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.

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 2021-09-24
Company: CIG FINANCIAL LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received numerous calls from Credence. Once I finally called them back I was told I was delinquent in a medical bill dating back to XXXX of XXXX  from a doctor during an ER visit for my daughter. The doctors organization did not bill insurance ( that was provided ) and sent the bills to an address that has not been valid in over 10 years. This was all despite the hospital billing correctly and all correct information being provided. Debt collector refused to provide a debt collection letter and refused all payment except over the phone. Debt collector also refused to allow me to discuss with the physician services company that sold them the debt and demanded full payment to the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
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 is missing that should be on the report

Complaint:
I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation as they should because if they did they would've known that this was a factual account with over 10 months positive credit history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on all, but as for those hard inquires they are not on any other bureaus so I don't see why you Equifax said it was factual and still have not been able to show me the steps they took or any proof that they actual investigate it properly to prove the hard inquiries are " factual '' from my previous complaint. The Fair Credit Reporting Act ( FCRA ) permits you to make a dispute claim, requires the bureaus to investigate it within 30 days and either provide proof to you that it is a legitimate debt or delete the item. 

complaint I.D : XXXX and XXXX Law that Equifax broke 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Main Resolution Group
State: WA
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:
Called called me looking for XXXX I informed them that was not me and then they said good, this must be XXXX  her daughter I said who are you? They went on to say My name is XXXX XXXX I'm calling from main resolution group XXXX XXXX owes a debt of {$3400.00} XXXX  since she has until this evening at XXXX o'clock to contact them or she will be put on a schedule l To have charges filed against her I was informed that I was welcome to pay this amount on her behalf to prevent her wages from being garnished. They would be continuing down the list of contacts to try and reach her. After refusing to identify myself they asked if I would verify the last 4 of her social security number to which I responded I do not know that information but the number that they gave me to verify was in fact her ssn, I did not verify this. They informed me that unless she called them before XXXX XXXX  today they would move on to the next person on the list to call which is XXXX XXXX XXXX who could not possibly be contacted as she is a toddler. I hung up with them at XXXX XXXX  XXXX. 
This number has called XXXX  as well with a similar rhetoric two times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to take action. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation