BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX  a payment in the amount of {$1100.00} was paid to LoanCare via bill pay through the XXXX banking app, this is a past due payment for XXXX. The payment was applied to our mortgage account however the payment changed, without my knowledge, and the full amount was XXXX cents short. Once I realized it on XX/XX/XXXX  I paid {$1.00} to LoanCare via bill pay through the XXXX banking app. Since then I've gotten letters stating I owe three months worth of payments and I will be in default if not paid by XX/XX/. I've spoken with customer service representatives on XX/XX/XXXX  and at that time nothing was mentioned about the possibility of default but I was told if I made at least one payment I would be in better standing. I've now tried numerous times to contact their call center and can not, they have no email option and I've attempted to use their contact us option on their website but I get a response back stating they can not find the payment I made.

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 2023-12-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I cant request information from Loancare because their phone system is still not available. They only have one option # 1 and either clicking one or hold then the system mentions about business hours, sorry for the inconvenience and then disconnects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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 2020-06-30
Company: EQUIFAX, INC.
State: MS
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Spring Oaks Capital, LLC
State: CT
Product: Credit reporting 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 contacted the company multiple times explaining that this account is not mine and should be removed from my report. Please remove this fraudulent account from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated XX/XX/2023, and I completed loan exit counseling that month. I chose the standard repayment plan. My school reported my graduation to the national student clearing house. 

Nelnet still thinks I am in school. I have received no communication from them this year. I should have received notice that I am in grace period so I can plan for entering repayment when that ends. 

In XXXX I emailed Nelnet alerting them when I graduated but got no response. I called in XXXX, and they said I am still listed as " In School ''. I told them when I graduated and they said they would update that. Now it is XXXX and nothing has updated yet. This month I should be entering repayment, and I don't know when my due date is or how much I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
TO WHOMEVER IT MAY CONCERN, THIS IS NOT THE FIRST TIME I HAVE BEEN ATTEMPTING TO REMOVE FALSELY, INACCURATE INFORMATION OFF OF MY CREDIT REPORTS. THE FOLLOWING ACCOUNT IS REPORTING NEGATIVELY AND DOES NOT BELONG TO ME : -XXXX  XXXX ( XXXX ) THIS ACCOUNT WAS SUPPOSED TO GET REMOVED BY EQUIFAX QUITE A WHILE AGO. XXXX HAD SEND ME A LETTER STATING THAT THEY WILL REMOVE THEY WILL ASK EQUIFAX TO REMOVE THE FALSE INFORMATION OFF OF MY CREDIT REPORT, DUE TO THE FACT THAT THEY CONFIRMED THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT. I HAVE ATTACHED DOCUMENTATION OF WHICH PROVES THAT THIS ACCOUNT DOES NOT BELONG TO ME ( AS WELL AS MY LICENSE AND SSN CARD ). I DEMAND TO GET THIS ACCOUNT REMOVED, I DO NOT HAVE TO FEEL THE NEED TO ACQUIRE FURTHER LEGAL ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX advised they issued TransUnion Screen Solution to provide them with information on a eviction.. This eviction is reporting {$4500.00}, which is not correct. This does not reflect the security deposit being taken out of judgment. I now have to take this XXXX XXXX back to court about this eviction and file a small claims against them, due to this issue and more. XXXX is receiving this information from TransUnion who verified after a dispute is is correct and it is not correct. I made a second dispute with TransUnion Screen Solution directly, and still no update. They are sending my disputed back as verified. With no proof of debt or anything, provided. after requesting it. And id not provided to remove or stop reporting until correct. They are still reporting, provided no proofs. After, speaking with XXXX XXXX at XXXX XXXX, she agreed this was incorrect, we actually settled for less. I am trying to get her to include the security deposit, but I assume I will have to go to court for this issue and show my proofs.

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 2020-06-16
Company: Credit Advisors Foundation
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My Bank XXXX referred me to XXXX, which referred me to Credit Advisors to negotiate reduced interest rate on my credit cards. I spoke to XXXX XXXX multiple times in early XXXX. He explained that they had a program where by I could enroll all my credit cards, they would put them on reduced negotiated rates. He explained that I would not be able to use the cards while they were in the program, but they would re-activate once paid off, or I could remove them to the program at any time. While on the program, I would make one consolidated payment to Credit Advisors. We spoke on 3 or 4 occasions because I had to look up data and card numbers, and he had to calculate what my consolidated payment and what the interest rates would be. I have 2 credit cards with XXXX XXXX - a XXXX card that I pay off every month. I have had this card for approx 30 years. Last year I ran approximately XXXX - XXXX per month in company expenses thru this card as I work for a start up. I also have am XXXX XXXX XXXX credit card with a balance and a high interest rate. Right now I am not traveling, so I don't need the XXXX card, but if the country opens back up I will need it. XXXX said since I can withdraw a credit card at any time he recommended I put it on the program, or I could pay off the XXXX card early and then have both cards back to use. I also was not sure putting all the cards in the program was a good idea as I might not have enough emergency funds, but he convinced me otherwise. He sent me a contract, and I asked if I had to read it carefully and he said it was everything we discussed. I signed up. I have since discovered that XXXX XXXX 100 % Materially Misrepresented this program. Credit Advisors has permanently closed all of my accounts and tagged them as in collection. I have asked to be withdrawn from the program and they have told me I can not. XXXX was not adequately supervised, and I am told their phone calls are not recorded. I now have need for emergency funds. I have lost 30 years  worth of credit history. I can not re-apply for all of these cards without a significant negative impact to my account. I NEVER would have enrolled any of my cards in the program if I had been told my accounts would be closed. I had additional travel benefits I got from some of the cards. This company made false statements to my detriment, they are saying they can not fix it. They are not qualified to be a credit advisor. They gave me VERY INAPPROPRIATE Credit Advice. I have spoken to their CEO and a manager and they are telling me I can not withdraw from the program. They say can not re-open my accounts that they closed without authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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: Account information incorrect

Complaint:
I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX  ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on 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
Consumer complaint received 2018-10-15
Company: LTD Financial Services, L.P.
State: AZ
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:
This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TransferWise Ltd
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Wise Team, We have a few things to discuss with you. 
Firstly, our account was unexpectedly locked without any notification via email from XXXX XXXX. Furthermore, during that time, We were informed that a sum of XXXX with ID number XXXX was transferred to the account. Because it was disabled, we could not check and had no evidence to prove that the money had gone into my account. However, On the sender 's side, they have invoices and documents proving that the money had entered our account. ( I will enclose for your reference ) Therefore, we would like you to urgently send our bank statement from XX/XX/XXXX to now. We have waited too long and have suffered a huge loss because of this, so we would like to make an appointment directly at your office in XXXX. Please urgently provide information such as phone number and address so that we can completely resolve this issue. 
Were looking forward to hearing from you soon. 
Best wishes,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In Edfiancial, I have enrolled myself 4 times into the auto-pay to make sure my payment is made automatically. And I have received letters telling me no payment was ever made. 

I checked back in and saw that my bank is connected, but that there were errors and that it never was submitted. 

No warning is even sent to me letting me know, but I found out a month later making me pay twofold ( something I can't afford ) but struggling to do so.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}

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 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
On XXXX XXXX  I had spoke with my credit bureau and they explained that it was a hard inquire from capital one on my credit report from XXXX. I contacted capital one on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to apply for a modification to my current mortgage loan with, Wells Fargo Bank. I called in on XXXX XXXX to try to start this process, I spoke to a Wells Fargo representative nut I did not get her name, she asked me questions as to why I was calling and I explained that I wanted to try to modify my current loan, so I could get a lower interest rate and lower monthly payment. The representative said that she would send me an email with instructions how to proceed with this loan modification, but I never received any email, so I called back and spoke to a different person and he sent me an email with a copy of an application form and a fax number to use, I filled out that form and faxed it to the fax number he gave me, alone with a copy of my social security declaration letter showing my monthly income from them and I included a letter from XXXX XXXX XXXX showing the amount of retire pension I received from them. I called to see if those documents were received and had to speak to a different person and explain my situation all over again to them and they said that I would have to wait to get instructions from the representative who will be handling my case ( XXXX XXXX ) so I waited but never head from Ms XXXX, so I called back and had to speak to a different person and explain my situation all over again and I asked that Ms XXXX please call me because I was having trouble logging into emails from Wells Fargo to view what documents they had received and what other documents I needed to send, but as of today 's date I have not received any calls from Ms XXXX, so I don't know if the review process for a loan modification has been started or if Wells Fargo needs more documents from me. I will include an email I sent to Ms XXXX today. 

Ms. XXXX, I received an email from you that said you needed more documents from me, I am not able to access or open this email to see what documents you need! 
I have stated this to previous representatives of Wells Fargo and have been trying to reach you by phone for over three weeks to find out what documents you need and if you have received the documents that I have already faxed to Wells Fargo, but it is impossible to reach you directly because Wells Fargo phone system will not allow me to enter your extension! 
I have spoken to numerous representatives over the last four weeks and each one tells me something different and I have asked that they relay a message to you to call me because I need to know exactly which documents you have received and what others you need, so once again I ask that you contact me by phone to help me. 

Sincerely : 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, I contacted XXXX XXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!

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