BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in the process of applying to assume the mortgage on my home following a divorce. This company has made it onerous and unreasonably difficult to do so. I initiated this process in the summer of XXXX and after 6 months of going through that process the loan was sold to this company before the assumption went through. Since then I have been trying to initiate the process with LoanCare/XXXX. I am appalled at how difficult they make it for the customer ... no direct phone number to actually speak with someone in the " Special Loans '' department as the customer service agents have referred to it, leaving me the only option of repeatedly asking through customer service phone line for someone to : 1 ) send me the assumption paperwork ( which took 4 months - the first request XX/XX/XXXX ; application packet mailed to me XX/XX/XXXX ) ; 2 ) have questions answered regarding details in said paperwork ( which no one ever could since I could only speak to general customer service agents and no one from " special loans '' ever contacted me despite several requests. As a matter of fact, the customer service agents repeatedly told me that they didn't have access to a direct phone number to " Special Loans '' dept. and all they could do was " forward '' my request to be contacted to them. ) 3 ) verify that my completed paperwork and documents were received and being processed ( again, not done even though I have certified mail confirmation on XX/XX/XXXX that it was received at their XXXX, FL location ). In thorough disgust, I sent an email through their " contact us '' portal on their website XX/XX/XXXX. I received a call on XX/XX/XXXX from a woman in the " Special Loans '' dept. who confirmed receipt of my application and said it appeared that it was sent to the " Tax Department '' for reasons unclear to her. She promised to call me back that evening with an update as well as send me an email confirmation. Neither was done. Even more astounding, when asked for the direct line to her and her department she gave me ( XXXX ) XXXX - which I later discovered was a general customer service line.

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 2021-07-14
Company: Benworth Capital Partners LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
they have reported that i have been funded since XX/XX/XXXX to the XXXX - i have not. 
i also applied for XXXX loans not XXXX they only have me listed for XXXX. 


i have a string of mails of trying to reach them no on calls me back or answer the emails from their company they have not given me the {$42000.00} in XXXX disbursements as of this date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX no response I am requesting a XXXX release form show i agreed to release any of my medical records, Please provide me with the below mentioned things : * The amount you claim Iowe you * Explain and show me how you have computed the amount *Send me the copies of any documents that prove Iagreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period *Prove that you're a licensed debt collector *Show me your license numbers and registered agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account status incorrect

Complaint:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: KY
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 appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be repaired. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-01-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
Re : Carrington Mortgage XXXX XXXX In XXXX, my wife and I were notified by Carrington that we could participate in a forbearance offer due to COVId. We decided to participate and did so for a period of three months. At the end of that time, we found out that Carrington, without informing us, had reported us to the three credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. Carrington never told us of the limited time of the forbearance, three months, nor that we would be required to make a 2 or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of Carrington to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by Carrington removed from the 3 credit reporting agency reports under our names as at the time we were in the agreed upon forbearance offered by Carrington. I have reached out to Carrington as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have enrolled into XXXX XXXX XXXX because I was told I would be able to get a job right after my XXXX XXXX in XXXX. That did not happen. In XXXX, I worked hard and received my XXXX XXXX. After my XXXX, I requested to change my major and my field of study and was denied. Due to that, in XXXX, I started working for my XXXX XXXX with no other choice. I was not able to complete a class with a grade that they wanted, so the University kicked me out with only a half or a quarter credit left on my XXXX. I have never been able to find a job with any of my degrees. Now, I am homeless doing my best to find a solution to not have my wife and I on the streets this winter. Unfortunately, I can not work in any hard or medium labor jobs that don't require degrees due to XXXX, XXXX, XXXX, and many more problems resulting from a car accident. I was told years ago that I would not make it to XXXX and without a job or insurance I can't even find a doctor who will help me with my health. Without the doctor, Social Security XXXX keeps denying me for benefits due to lack of medical records that last 6 months. Without having any job or form of income, minus my wife 's social security for her XXXX , I am unable to care for myself or my family. With only my wife 's Social Security ( {$790.00} ), my credit report dragged down with student loans, and unable to find a job I can do in my field, we can't even get into the lowest form of trailer park that's only {$400.00} a month, which was our last hope before winter. If I pass away sometime soon, my wife would have to deal with the {$100000.00} of FedLoan debt because I was scammed when I was younger and believed the promise of a job which would of lead to a good life for my family and I. I feel useless and less of a man for it and wish I could change a lot that happened in my life so my family and I are not on the streets anymore and I can make sure there is always " bacon '' in the fridge because I should have been " bringing home the bacon '' and supporting my family with my degrees. Thank you for taking the time to check this out. I appreciate this a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. 

My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. 

The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX  is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. 

The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. 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 explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2nd 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " XXXX XXXX  '' they are showing as a collection. As well as a company called Portfolio Recovery showing the same. one shows I have a high limit of XXXX and XXXX shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these 2 companies are significantly damaging my credit by not fixing these errors!!! And after at least 10 certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Around XX/XX/XXXX, i added three authorized users ( " XXXX '' ) to my american express platinum card. this is a service that used to cost XXXX to add XXXX XXXX. i got two of the cards on the mail, but never recieved the third card. I didnt have an urgent need for the card, so i decided to wait until the card arrived, but it never did. on XX/XX/XXXX, I finally got tired and called to get a replacement. The replacement card got delivered to my apartment on the XXXX. However, when I tried to activate it on the XXXX, I received an error message. I called in, and I was told the card had been cancelled, since the XXXX 's social security was not added to the account. I explained that I didn't have the card yet, and that I would not feel comfortable providing that until I had the card, and that no one told me I had to add the SSN soon when I called in. Amex informed me that the XXXX card had been cancelled, and that I would have to pay {$190.00} to get that XXXX added, since their policies changed. I had requested the XXXX with the previous policy, and never had the card delivered, it was cancelled on me, and now they are asking me to pay {$190.00} for an XXXX. When I applied for that XXXX the policy was different, but they are trying to apply the new policy on me. Since they did not provide the card on time, this feels like a bait and switch for them to now ask me to pay {$190.00} to add the XXXX they didn't deliver the card for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a complaint regarding inaccurate information in my credit report.

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