BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I stand before you today as a victim of the unethical and abusive practices of LVNV Funding LLC, a debt collection agency that has caused me immense pain and hardship. 

Their tactics have gone beyond what is legal and ethical, and have caused me extreme stress and XXXX. They have called me repeatedly, sometimes multiple times a day, even after I have asked them to stop. They have used threatening language, and have even gone as far as to contact my employer, resulting in the loss of my job. I can not begin to express how devastating this experience has been for me and my family. 

But the harassment didn't stop there. LVNV Funding LLC also called my landlord, my friends, and my family, asking them about me and my finances. They even called my manager and asked how much I was earning, which is an invasion of my privacy and a violation of my rights. 

As a result of their constant calls and harassment, I lost my job, which has had a significant impact on my financial stability and well-being. I have struggled to pay my bills and provide for my family, and the stress and XXXX have taken a toll on my mental health. 

In addition to the financial and emotional hardship, LVNV Funding LLC 's actions have strained my relationships with those closest to me. My landlord and friends have expressed frustration and concern over the constant calls, and my family has had to endure the stress and XXXX alongside me. 

I am here today to speak out against LVNV Funding LLC 's abusive and illegal practices, and to demand that they be held accountable for the harm they have caused me and others like me. The emotional toll of their actions has been overwhelming, and it has taken a toll on my mental health and wellbeing. 

I plan to file a complaint with the XXXX XXXX XXXX and will explore all legal avenues to seek restitution for the harm they have caused me. In addition, I will be contacting my state representative and state attorney 's office to bring their attention to the unethical practices of LVNV Funding LLC and to urge them to take action to protect consumers. 

It is my hope that by speaking out about my experience, I can raise awareness about the abusive practices of debt collectors and prevent others from experiencing the same pain and hardship that I have endured. 

I urge you all to join me in standing up against these illegal and unethical practices. Together, we can hold LVNV Funding LLC accountable for their actions and ensure that consumers are treated with the respect and dignity they deserve. 

Thank you for your attention and for your support as I work to seek justice and hold LVNV Funding LLC accountable for the harm they have caused me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Please change the status to Paid or simply " Remove '' the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  OneMain Financil location called from XXXX ( XXXX ) XXXX XXXX from OneMain Financial called. My car payment was one day late and I did cancel my payment. There some other things that took place with my family that week and I had to take care of that. I explained that I would call back to make the payment before the holiday. XXXX continued to be pushy and started to use language like the loan is secured by your vehicle as if to intimate me. I told her I am aware of that and I will be sure to do this before the holiday. She continued to pressure me and I continued to say I have something going on with my family might at that moment and I finally had to hang up on her. 

I went online to pay the payment because OneMain already called me earlier that day about two hours before. I knew if I did not submit the payment today they would continue to call because sometimes they call XXXX times a day. This is not first time someone from one of their offices has called be being a total jerk. They have no tact when speaking with customers and treat us like a collection cases of people with no value. This is why I dont like talking to them on the phone and ignore the calls if I can not make the payment right then. They make consumers feel worthless and they are very aggressive. 

I called back and asked to speak with XXXX supervisor and they were busy. I told her I did not appreciate her tone and her response was she was just doing her job. Admittedly, I told her that she did not have to be an ahole when doing her job. I was very upset to be interrupted while at was dealing with a family emergency. I should not have said that, and I do apologize for it. She made me feel bad about myself and had no empathy. She does not know what is going on in my life and I dont have to disclose it. People should be treated with respect instead of a task to collect money on their dialer. How does she know if someone did not die in my family that week? She didnt, all she could do was worry about the payment so she could do her job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. The failure to respond has negatively impacted my credit and caused difficulties for m. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-01-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company is the worst company I have ever worked with. I provided my insurance multiple times, the keeps saying that I don't have insurance, and are now not applying my payments and charging late fees. I keep asking them to transfer my loan since they purchased it and have messed it up ever since. I would have never done a loan with them. Now they're saying my loan is in default, yet I have proof I have paid every payment and am not behind. They're just trying to scam me and charge bogus fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiries concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete these inquiries from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: TX
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 sent Experian documentation showing the payments on my report were not correct and that the car was current and paid off and asked them to reflect that my report showed that and they " removed '' the car being paid off which lowers my credit history on an older account that is paid off. Please add to my credit report that the car was paid off not in any late status.

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 2023-12-07
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of this year I applied for the SAVE program like many did to lower my payments. My application was successfully submitted per the student aid website. But then I never saw this change take place with my loan provider Aidvantage I still received the same bill ever month. So after a month I tried to call the loan provider - but the call center was closed indefinitely - I was directed to email instead. So I contacted them via the email link on their website asking when I would be placed into SAVE, then did not receive a replay for over a month ( website says 2 days for a response ) and when I did receive a response it stated I was not even in a IDR plan. Even though my account when I look at my loans on their website and the federalaid website states I am currently under the PAYE plan which as far as I know is a IDR plan - so both incorrect and unhelpful as I was asking about my application for the SAVE plan. Since emailing didn't help I tried to call but I had the same issues as before and currently their " book a call back '' link is all blacked out. So I went again and applied for the SAVE plan on the federalaid page again to see if this time I could get through to them. But I am also submitting this complaint as I know I am not the only person having an issue with this loan servicer at this time especially in regards to changing your loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I TD Bank Operations Center XXXX XXXXXXXX XXXX, ME XXXX Re : Mortgage Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX I have had my mortgage since XXXX and never had a late payment. I made a payment on XX/XX/XXXX in the amount of {$1100.00}. In XXXX my payment was adjusted as well as the interest rate. I received a letter on XX/XX/XXXX saying my payment was 30 days late. After numerous phone calls I was told that I was notified in XXXX that my monthly payment was going to change due to adjustments in escrow. I never received such letter. As far as I knew my payment was the same since the beginning of the year. 

My payment apparently went to {$1100.00}. As soon as I was told this was a problem I paid TD bank {$35.00} to make up the difference of approximately {$29.00}. I then paid my XXXX payment of {$1100.00}. 

Again, I was unaware of the change in payment which is less than {$30.00}. Again, I was not 30 days late of making the payment but {$30.00} short. 

My credit score has dropped from the XXXX to the XXXX because of {$30.00}. Again, I have never been late. I was shocked when I found out what happened to my credit. It has taken me a long time to achieve that score. I am XXXX years old and for {$30.00} my credit will be ruined until I am XXXX years old. Not only has this been a difficult year due to Covid and both my husband and I were out of work for many months and my husband is still only working part time yet we still made our payments. 

I really believe that this minor error should be removed given my past payment history and my credit report looks like I totally missed a months payment. That is not what I call fair credit reporting. 

I am enclosing the following documents for your review : 1. Annual Escrow Statement dated XX/XX/XXXX ( New payment {$1100.00} ) 2. Interest rate change XX/XX/XXXX 3. Letter from TD Bank XX/XX/XXXX 4. Copies of TD Bank payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. Email to TD Ombudsman XX/XX/XXXX 6. Damage to my credit score dropped from XXXX to XXXX 7. TD Banks missed 30 day payment on credit report I sincerely hope that for the minor error in a payment of less than {$30.00} I should not have my credit ruined for years. I am been a customer of this bank for years and this was the first time there was such an error. 

Please advise at your earliest convenience. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. CITIZENS ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CITIZENS ONE customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
On XX/XX/XXXX I made an on-time payment in the amount of {$50.00} to American Express and they charged me a {$39.00} late fee on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE TRIED NUMEROUS TIME TO DISPUTE THE VALIDITY OF THIS DEBT PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian XXXX and XXXX refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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. 
540In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2023-07-13
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we received a loan estimate where Escrow payment at closing was estimated to be {$3000.00} by Rocket Mortgage. The banker ( XXXX XXXX ) we were working with informed us the estimated escrow had decreased because they confirmed that the property taxes had been recently paid. As a result of reviewing this estimate in its entirety and the information we received from the banker we made the decision to move forward with refinancing our existing mortgage through Rocket Mortgage. After having gone through the entire loan application process ( including running our credit ) and we are just getting ready to schedule a closing with them, we were informed by Rocket Mortgage that the Escrow payment had increased to {$5600.00} due to property taxes not having been paid for this most recent quarter ( see revised statement provided on XX/XX/XXXX ). They informed us that the latest information they received from their tax certification team was that we paid the property taxes in XX/XX/XXXX for the quarter ending in XX/XX/XXXX. I confirmed this with my current lender was correct with respect to the last payment made on property taxes. And while we expect the cost of those property taxes to be paid by our current lender any day now, which would be reflected at Rocket Mortgage as well, when we asked our assigned Solutions Consultant at Rocket Mortgage, XXXX XXXX, why was the XXXX property tax payment not reflected in the XX/XX/XXXX statement? The explanation she provided was that they collect escrow for 6 months. She also confirmed that the statement on XX/XX/XXXX only showed escrow for 3 months and she did not know why. This leaves us extremely concerned that we were deceived all along by Rocket Mortgage because if these were known constants all along ( they collect 6 months escrow and our property taxes remained as paid back in XXXX ) why were the escrow numbers from the XX/XX/XXXX statement intentionally displayed with 3 months of escrow due at Closing? When discussing our closing costs it seems clear that they had falsely decreased the value to make it more attractive than what it was to lure us into the loan application process. This was a bait and switch predatory loan process that we were only able to catch just as we were getting ready to close. We can only imagine how many other consumers have been deceived using these same predatory techniques.

Company response to consumer: Closed with explanation