BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement today ( XX/XX/2022 ) for an annual fee of {$39.00} for a credit card that I did NOT apply for and never had. The company name is AVANT. The transaction date on the statement is XX/XX/2022. The " account '' number- XXXX XXXX XXXX XXXXXXXX. 

I called the company ( XX/XX/2022 ) and was told they had no record of an account in my name and could no really look up the information in their database. They asked for the last 4 digits of my social security number and I refused to give it. I asked to speak to supervisor and was told there was no-one available. 

I was told to email XXXX XXXX XXXX XXXXXXXX, which I did. I told them via email, to remove my name from their database and refrain from ALL further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MA
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 Account # 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

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
This is about Fraudulent purchases on my Bank of America VISA Card ending XXXX on XX/XX/2021 that was changed to a new card after the discrepancy was disclosed to me when I called Bank of America to make a payment on my account on XX/XX/2021. I have tried to get this problem solved over the last three ( 3 ) months by calling on many dates at various times, spending countless hours waiting on HOLD and speaking to a different representative each time always in another state ( they are scattered around the country ). As of this date, I have not been able to hear from Bank of America about this problem and when I can expect my account cleared. I have been a longtime customer of Bank of America for over 55 years and never did I have an experience such as this. This is extremely annoying that Bank of America seems to be ignoring my repeated request to correct this unwanted, annoying attempt by someone to drain what little money I have being I am over the age of XXXX. I ask for your help in reaching a resolution to this problem please.

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 monetary relief
Consumer complaint received 2022-01-25
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have attempted to resolve this with both Indiana XXXX XXXX XXXX and TransUnion. The account that I had with XXXX shows open on my Credit Report. however i have verified with XXXX that the account is closed and has been for years. Trans Union refuses to mark this account as closed on my Credit Report. This Account shows as closed on both XXXX and XXXX ( as seen in attachments below )

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 2022-01-25
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were under Covid forbearance plan since XXXX XXXX. 

We decided not to continue staying in the forbearance and requested the official documentation of release from forbearance and official reinstatement of our mortgage loan as well as acknowledgment from Freedom mortgage that we are current with our mortgage payment since XX/XX/XXXX. 

We have been paying the regulator payment since XX/XX/XXXX but on the statement said we havent. 

We have been contacting and asking for those documents SINCE XX/XX/XXXX but they never gave us any of documents and just correcting our payments. 

We cant wait anymore. 
We are trying to refinance. 
We need the documents. 
I NEED YOUR HELP!!! 


I added the pictures which we paid so far. But I dont know why, they say we are late for the mortgage payment on the statement.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

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 2020-04-21
Company: Alabama Housing Finance Authority
State: AL
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:
There is a global pandemic going on and daycares and schools were closed. I have XXXX kids that affected and I missed work without pay until I got the situation in hand. Money was tight and I was late in XXXX of this year. I have a mortgage and a small loan that was apart of the down payment on said mortgage. The main payment XXXX was paid but the small of XXXX was late. They didnt wait anytime to report it to the credit bureau. They were paid and I had to refinance to maintain everything. It was my understanding that during this hardship there would be more understanding and unity. XXXX in Alabama is the culprit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Continental Credit Control
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since 2020 I have been receiving bills from XXXX XXXX in XXXX, CA and I've never been able to speak to someone. They had a voicemail set up but nobody ever called back. I've always had Health Insurance and now I received XXXX bills from XXXX XXXX XXXX XXXX XXXX totaling {$900.00}. I do not owe this and nobody is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Student Loan Debt Agency
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am on XXXX. I can not work due to my XXXX. My monthly check only cover my monthly Bill 's. Is there any organization that can help me with this matter?

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21
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 SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE 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
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is unfit

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 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
One of the Bank of America 's Mortgage Loan officer offered to refinance my mortgage loan that I had with XXXX XXXX at better rate of interest for 7/1 ARM around XX/XX/2019. She told that I need to pay the fees that cover the credit report fee and appraiser fee and will be completely refunded. Since this is my first Refinance of my first Mortgage loan, I am not completely aware of the process and asked her before paying the amount, whether the amount I pay for the credit report fee and appraiser fee will be completely refunded for what ever reason or not? And she said " Yes '' and I can completely trust her and told me to sign the document online and not to worry  about it as it is a general formality to start the loan application. On her assurance, I signed the document. 

So, I payed the amount using my BoA creditcard. The loan was approved but the appraiser appraised the value of the home very low by using the improper homes in that area, some of them were fixer upper, homes that didn't get sold for months and home from non preferred locations. Because of this the Bank of America didn't Refinance my loan and now the Mortgage Loan officer say that she can not refund the fees I paid, which she promised to refund for sure. 

Few weeks later, I got the same Mortgage loan Refinanced by XXXX XXXX. 

BoA has wasted my time and money and gave lot of trauma to me for not refinancing the loan by giving false promise by its Loan officer. 

Please help me get my money back.

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 2017-07-24
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!

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 2022-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want the servicer of the first and second principal balances to provide me with the 2 truth in lending disclosure statements used to submit the {$250000.00} payoff statement provided to the title company for the sale of my property in XXXX XXXX Include payments made to XXXX XXXX before the foreclosure of my property in XXXX XXXX Include payments made to XXXX XXXX for the {$140000.00} unsecured debt collected for credit cards discharged in bankruptcy for payments that include the principal pay off of credit cards included in the XXXX XXXX second mortgage Use the {$57000.00} paid to credit cards included and paid in the mortgages to pay the foreclosure balance on my duplex Include escrow payments and interest paid to 3 properties serviced in the 2 truth in lending disclosures I signed to payoff {$290000.00} in XXXX. 

Explanation of {$230000.00} loan disbursement in XXXX, to whom it was paid and the source of the funds. 

Explanation of {$270000.00} new loan set up in XXXX for the money 1 ) had already paid 2 ) was not given to me 3 ) paid a foreclosure balance of property I lost 4 ) discharged in a superfluous bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The home closed  on  XX/XX/XXXX  wi th    XXXX   XXXX  , then  sold to  XXXX . Payments started on   XX/XX/XXXX . All p ayments have been made on time. I have proof of all payments. Between the  two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone ca lls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue.   XXXX   have a transfer date  of  XX/XX/XXXX , the n   XX/XX/XXXX  has a transfer date of  XX/XX/XXXX . I sent t  he   XX/XX/XXXX payment to   XXXX   XXXX    and  they refuse to send the payment to  XXXX  because they are saying it would make my account delinquent with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and I noticed this company that Recovery Solution on my credit report I 've never done any type of business whatsoever with this com pany or who I owed it to a few years back my identity was stolen I tried communicating with the company that Recovery Solution and they did not want to hear what I had to say they refuse and sometimes hung up on me I did dispu te it with my credit bureau and they are denying the fact that I have rights in the consumer act. And it 's  not just one collection agency with debt recovery they have at least  XXXX  on there which is not mine relat ed to that Recovery Solution or more and they are not mine. Some of these items are placed on there  XXXX  times of the same amount and I have called the company that they are reporting it to and they have wrong addresses which I disputed with my credit agency. Please have them remove all that recovery collections off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I noticed suspicious activity on my checking account that was NOT me. I was immediately alarmed because 1 ) it was the holidays and I know scammers target people around this time and 2 ) I had two friends who this just had just happened to in recent weeks. It was after hours but I called Chase anyway. I was told the Claims department was closed and I would have to call back in the next morning but in the meantime I could lock my debit card. I locked my debit card and then continued to go through my account to make sure every other transaction was me. Also, please note, again it was the holidays so I had multiple transactions in dollar amounts far larger than these XXXX transactions so I didn't anticipate a problem with getting my money back. The transactions involved were a {$31.00} debit at XXXX XXXX In in XXXX, TX and {$62.00} at a XXXX XXXX XXXX XXXXt in XXXX, TX. Also, please note I have no idea where XXXX is and I do not go to XXXX. NONE of my other transactions were in either of these cities. Initially Chase gave me the money back and proceeded with an Investigation. Today, XX/XX/2022, I received a letter stating they concluded their investigation and they would be debiting my account for the total {$93.00}. When I called to speak with someone, I was told these transactions were done with a chip card and chip cards can not be duplicated so it had to be me. Well, it wasn't. And that was the only due diligence they had done. Chase is willing to let my XXXX XXXX XXXX checking account walk out of the door because they believe chip cards can not be duplicated. Well that's not accurate. Chip cards can absolutely be duplicated and a simple google search would tell them that. I have never had an issue with Chase reimbursing me when it came to fraud but this is ridiculous. I was not in either of these cities. My card was clearly cloned. Again, I had other transactions for far more than these XXXX. I had no reason to make up a story about just these XXXX. They need to be reported because they are stealing my money and standing on what they believe to be true, that these cards cant be duplicated. Scammers can duplicate anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX  partial account number XXXX. Equifax ; XXXX  and XXXX   are also reporting that I am ( 120 180 ) days past due on the XXXX partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation