BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tracked down XXXX payment made on XX/XX/2020 in the amount of XXXX to XXXX some how this ended up on my credit report and I have been fighting it the whole time and they will not remove it. Its medical billing that I don't believe I ever said could be posted but even outside of that I paid it and for all this time the XXXX will not remove it saying that the collection company said its a owed debt. But that cant be true when I have proof it was paid. Then the other of {$75.00} came out and because of the {$64.00} on the report when the {$75.00} came up I handled that right away. Got a letter from them saying I owe {$0.00} to them. But when I spoke with the collection and told them they said that they were told that the debt was owed. They have provided no proof to the credit bureau and XXXX even said themselves they have not got any proof from the collection company just they saying the debit is owed. I have tried many of times to dispute the debit and they have not removed it and yet cant show that its owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX, XXXX at approximately XXXX I went to the Bank Of America Drive Up Teller located at XXXX XXXX XXXX, XXXX XXXX NC XXXX. I went to cash my payroll check as I normally do. I was told by the XXXX XXXX that there was a {$1000.00} limit at the drive up teller. I have cashed my check multiple times at this drive up location and have never been told before about this limit. I then told him no worries I would use the ATM for Teller Assist. I went and waited in line for the ATM then proceeded to use Teller Assist to cash my check. I was greeted by XXXX from Teller Assist on XXXX XXXX at XXXX who proceeded to cash my check. She had me verify the information and asked me if I would like a receipt with check image which I did. She placed me on hold and came back after several minutes and told me that she could not verify my check and I would need to go into the financial center. At this point I was very frustrated and asked for her supervisor, she then simply hung up the session without letting me talk with a supervisor. I went into the branch and expressed my frustration with the teller and asked for XXXX the branch XXXX to give me a call which he never did. I called into customer service to express my concerns and asked for a follow up. No one ever contacted me. I called back on XXXX XXXX and spoke with an agent and supervisor who again forwarded my complaints to different places but informed me they could not promise a followup. My check is a payroll check from XXXX XXXX XXXX, XXXX. my employer which is a check that is drawn on Bank of America at that very location I went to. I have issues cashing my check here with delays nearly every XXXX and XXXX of the month that I go here to cash my check. There are no issues with the business account as I am the book keeper for the business so there are no excuses why I have to keep experiencing the types of delays I am. If Bank of America wants to continue to cause me delays twice a month then they need to schedule a meal to be served to me because my time is valuable and I 'd rather not be spending my short lunch break trying to deal with the tellers and having to wait unnecessarily. Since this is a Bank of America check and I 'm an account holder it is pretty egregious to have me jumping through all these hoops to cash a check twice a month. I 've attempted to resolve these issues with Bank of America to no avail.

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 2019-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been having an ongoing issue with Wells Fargo bank. They keep ignoring my complaints. They keep saying the same thing over and over. I have money missing from my bank accounts. I have both a checking and savings account. They keep saying that I had 30 days to report any errors. I surely did. As soon as I had found errors I had called them to file a complaint. They have even said that I was not within the time frame of reporting the errors. I had called them as soon as I had found out.

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 2017-08-18
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose

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 2022-02-16
Company: EQUIFAX, INC.
State: DE
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Americor Funding, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I never got written notification in the mail about disputing the debt. I have asked them to stop calling, texting and emailing yet they continue to do so. 

All communication should be through XXXX and legal but they continued to violate that. 

XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In XXXXXXXX XXXX XXXX I submitted my dispute via mail to Equifax, I called to check the status and they informed me they did not receive my dispute, I am submitting it this way to make sure it gets delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/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 explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX  XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX  XX/XX/2022

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 non-monetary relief
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
wells fargo bank amount XXXX opened XX/XX/2014 car note was sent to wells fargo dealership service .through XXXX for witch I had an acct. that was set up by wells fargo. All prior payments were not recorded nor received by wells fargo acct. # accociated with car note acct. #. car was repossessed by wells fargo without giving me any notice. Acct. # ware money was going was made up by wells fargo without my knowlege

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to close this account, and in so doing I was informed that the ending balance was {$220.00}. I was also informed that I had " reward points '' too. I asked if they could be used to pay the final amount? I received an email dated XX/XX/XXXX that said I could. The amount was {$100.00}. 
I then wrote a check for {$110.00}, made a copy of this email, and put it in the mail to Bank of America. Eventually, they cashed the check but never acknowledged the email. Then on XX/XX/XXXX they sent me a letter regarding this, and asked me to call to resolve the problem, which I did. I talked to XXXX people, the first seemingly agreeing with my situation, but the second person said that since I had closed the account the reward money indicated in their email, didn't apply. I refused this as a legitimate answer since the email was dated the same day I closed the account, XX/XX/XXXX? 
They continued to bill me for the difference, charging late fees. I sent them a letter dated XX/XX/XXXX outlining what I had done but, still didn't get a response. 
They continued to send me invoices adding late fees, and at one point I sent them another copy of the letter I sent dated XX/XX/XXXX. 
The next thing I know I receive a letter from XXXX XXXXredit agency warning me about my credit6 score being affected by my not paying my BOA bill, and the effect it had on my rating? All this for a bill I paid? I'm in the process of resolving this ( hopefully ) 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 2019-08-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the last two years I have been in a downward spiral with Loan Care. After I started the loan trial modification process and was at the tail end of it they have refused to send me the proper paperwork to sign for closing. I continue to make the payments that are not being applied to the mortgage but instead to the trial plan. I am in my 4th cycle of misdirection with Loan Care, and each time is the same. 
Trial Modification paperwork is mailed in the proper name so I can open, sign and return. 
I make the 3 trial payments needed to start the closing process. 
Then they mail the final documents in the wrong name so I can not open and sign. 
They put the house back in foreclosure status with a sale date. 
A month later they send me new trial modification documents with the proper name, and the process starts over. 

Each time the payments are made and applied to the trial and not to the mortgage. The last time they put it back in foreclosure it was stated that I had not made a mortgage payment since 2017. This is not true. 

Over the last month I have called 3 times a week, to get the paperwork sent out correctly. Each time they have stated that the paperwork is being processed with the correct name on mailing and I will be receiving it. It has not been re-mailed. 
It is evident that they have the capability to mail items in the correct name every time except when it is the closing documents, keeping me in the cycle of not being able to finalize my loan. 2 years is far to long of a process not to send the appropriate paperwork. 
PLEASE 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 2017-08-18
Company: ID Analytics, 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: Account information incorrect

Complaint:
On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you 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 explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.

Company response to consumer: Closed with explanation