BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please help me dealing with Loan Care. They have decided that the home that I own is not mine and will not allow me to make the payments on the loan modification they gave me. Instead, they have a sale date scheduled on my home on XX/XX/2019 an wont do anything to stop the sale. The home was granted to me by the courts through my very messy divorce. The loan is under my husbands name only, but I have legal rights through a quit claim deed and am the only person on title. Loan Care took me through the entire loan modification process and when I made my first trial payment, they sent it back and have forced my home into foreclosure. They say that I have no legal rights to the home, but they are entirely wrong. Every time I contact them I have to speak to another person who doesnt seem to understand what they are doing. Since I am the only one on title, they must give me the home since there is no one else who has rights to the property. I am shocked that I will be kicked out of my home because Loan Care can not get this straight. When my husband and I went through the divorce, we became delinquent on our home mortgage since he fought me all the way and did everything in his power to ensure that I would struggle as much as possible. During our marriage he did the worst things possible to me and I am still suffering physically from his abuse. To add insult to injury, he wants me and my boys to be homeless and has told me so. Loan care is not lifting a finger to help me and I am hoping that you will step in and get Loan Care to save my home from foreclosure and allow me to start making my mortgage payments. I am now strong financially and can afford a reasonable mortgage payment.

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 2023-04-28
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 6th request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXXBalance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00}, XXXX 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 2021-01-16
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Convergent Outsourcing Inc out of XXXX Washington attempting to collect on a debt on behalf of XXXX XXXX. The letter was a settlement offer letter of {$2300.00} out of a {$6600.00} debt they say I owed. I contacted them on XX/XX/XXXX and filed a dispute. I did not remember ever having an account with XXXX XXXX, so I called XXXX XXXX  on XX/XX/XXXX and spoke to XXXX in their auto charge-off section. They indicated that I had an account at one time, but there was no data on file for it. It was during that conversation I figured out the debt stemmed from a lease that was broken in XX/XX/XXXX, which was also the date of last activity, or DOFD. I know this date, because it was the month I was XXXX and XXXX until XXXX. It is old enough that they have no record of it other than I had an account with them at one time. XXXX did state that they closed their file out in XXXX. At the time they closed it out it was 11 years old. XXXX also indicated they had no idea whom Convergent was, or the company convergent said sent the file to them. The name of that company is named XXXX XXXX. I called Convergent back to inform them of the information I had discovered and they were less than cordial. 
I researched both collection companies, XXXX and Convergent. Upon doing that I became increasingly concerned about the future of my credit. I know how difficult it can be to fix a credit file having worked in Banking for over a decade. I decided to file a complaint. There are many people that would be bullied by companies like this that prey on the uniformed public, know those debt are both uncollectable and not subject to judgement. Their letters clearly state that they will report it and may take action including legal action. 
I have sent a written dispute top them, an email dispute to them, and filed one Verbally. I am now filing a complaint against them. 

Convergent Outsourcing Contact Info : Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX XXXX Sincerely, 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 explanation
Consumer complaint received 2023-11-28
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During a review of my credit score in XX/XX/2023, I noticed an outstanding collection in the amount of XXXX. I contacted XXXX XXXX and asked for it to be removed. I later received paperwork from a debt collection agency in the amount given above. I have lived at my current residence for almost XXXX years. This debt is not mine, I know the female who listed me on the rental agreement. I have not had contact with her since XX/XX/2023. She resided in this apartment with her parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, I ordered a new Wells Fargo card and in this process they offered a low-rate balance transfer. I provided a sixteen-digit account number from XXXX XXXX XXXX and they did not confirm it but later showed me that it was sent to XXXXXXXX XXXX XXXX I called immediately and said I am not requesting funding go to XXXXXXXX XXXX and they said they did not see any pending and would likely need to be re-processed. XXXX week later the card account showed the balance of {$4600.00} ( the {$4500.00} balance transfer with the {$130.00} balance transfer fee ). I called on XX/XX/2023 and Wells Fargo said contact XXXX XXXX to see how to get it sent back to Wells Fargo but they had no number to contact at XXXXXXXX XXXX. I called XXXXXXXX XXXX as they were on the phone for nearly XXXX minutes attempting to locate this lost funding. 

Wells Fargo should do a much better job verifying where they are sending funding and assisting consumers when a card is not applied correctly as requested. A simple mailing address and verification of the recipient of the funding would go a long way. Obviously, the customer service person from Wells Fargo did not care to hear suggestions for improvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/XXXX I received alerts that this collections company " Capio Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, tel XXXX '' placed an entry on my XXXX and XXXX credit report for the amount of {$91.00}. Because I did not recall receiving a letter or any type of communication from the company regarding the matter I contacted them and spoke with a representative regarding the debt. She advised it was the remaining unpaid balance of a hospital bill. She read the address to me and it was not the correct address, so I provided her with my correct address. I told her that what her company has done was illegal as it violates FDCPA law ( specifically section 809 ) because I was never given an opportunity to even review their claim of the debt owed, to research it on my own, or even dispute the amount because again, they sent the bill to the wrong address. So the representative asked me to hold and she comes back and says that her supervisor agreed to delete the entry from my credit report if I paid the debt since they acknowledged that they did in fact send the bill to the wrong address. I said that was not acceptable because it is still in violation of FDCPA law, I said no you must first remove the entry on my credit reports, send me an official bill/statement to my correct address, then allow me to exercise my rights as a consumer or pay the debt if it is in fact owed. She again said that I was incorrect, that they would only delete the entries if I paid the debt. I told her that she was wrong once again, I asked her to send me a copy of the bill, and then I advised her that I would be filing complaints with the XXXX and the CFPB because what theyve done is illegal. Then today when researching their company to file this complaint, I noticed in my personal email that I had communications with their company back in XX/XX/XXXX where I had them update my address and to send any further collections notices to my proper address. A lady by the name of XXXX XXXX acknowledged that I was correct and sent deletion notices to the credit bureaus and send me a letter indicating that she had in fact requested the deletions. They were deleted within a week I believe. I Feel that this company has a bad habit of placing entries on consumers credit reports with no regard for FDCPA laws. Additionally, by the representatives response of theyll delete it if I pay it was more of a bribe attempt in my view. Instead of her acknowledging that they did not follow the law with my particular debt they claim I owe, they wanted to extort monies from me first before I even had a chance to research to see if the debt was even owed. This is incredibly inappropriate for any company to do to a consumer in my view.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: U.S. BANCORP
State: MA
Product: Credit 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:
On XXXX night, XX/XX/23 my car was broken into they stole my credit card, and they also stoled my work bag. I am unsure if my Social Security was in any of the XXXX of my work bag.

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 2023-01-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX sent information and I got served by. XXXX. The collection agency has an incorrect amount of what owe. 
I get countless mail. 
XXXX XXXX contacted them before being unable to keep up with their excessive late fees and over the limit fees and was told they was no program that i could in at the time. 
I get non stop calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted an ATM withdrawal of {$700.00} on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX , CT XXXX drive-tru ATM. ATM ID # XXXX Serial number on receipt XXXX. No cash was dispensed, the ATM machine was making a clicking sound. Afterwards I made an another attempt and the same issue occurred. I received an email receipt of the withdrawal of {$700.00} and it appears on my online account as well. I filed a claim with Bank of America ( claim number : XXXX. I received a mail from the bank on XX/XX/XXXX stating my claim was closed and the cash was dispensed properly and no error occurred. This letter has a phone number " If you would like to request copies of the documents we reiled on to reach this decision, please call us at XXXX '' I called this number twice and was able to talk to representatives however they refused to provide the mentioned documents and the written results of the investigation. This ATM location has multiple cameras. On the recordings they were supposed to see what happened and I even signaled to the customer behind me about having issues with the ATM.

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 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Began to make a mortgage payment online beginning XXXX XX/XX/2023. Unable to log on for several days straight. Finally found out XXXX 's computers are shut down due to an security problem. I called them on XXXX XX/XX/XXXX  and obtained this information. They said there is no way to make a payment with the exception of sending the payment through the USPS. I am away from my home area and have no checkbook with me and my bank has no branches here plus USPS takes weeks to deliver mail. N way to pay my monthly payment on time now. The company escalated my issue and promised a call back by XXXX XXXX  but didn't call me. I just called them again and was told to not send any payment to them as it most likely will not be processed anyway. I was told to call back next week.

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 2023-11-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Us bank ignoring my pay out, a XXXX $ bonus for opening new checking .I being talking to 3 or 4 Us bank representatives over this situation and even ask them to see what is going on a my situation over the last 3 months. They did go over with me a bout this bonus and that I did satisfied all the conditions that required. 
They all tried the same method helping me by filling out a Missing Bonus on my behalf for the past 2 months and until now still empty promises with a forever silent treatment. 
This is a worst treatment I have never encountered in all my years of banking.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX C/O XXXX XXXX XXXX is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines

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 2023-11-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I hereby raise my formal complaint considering that I am one of the many consumers who were affected by the illegal practices of TOYOTA through the XXXX XXXX Toyota dealership located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phones XXXX XXXX where they included in my budget for the purchase of my vehicle TOYOTA XXXX XXXX VIN NUMBER XXXX Additional products that were not mandatory even though they stated that they were necessary for the approval of the loan through Southeast Toyota Finance The additional products included in the quotes are : Road hazard tire wheel coverage for {$390.00} Mechanical failure service contract for {$1700.00} XXXX  {$690.00} Other aftermarket {$1000.00} Mvwtf battery and tires {$8.00} For a total of XXXX plus interest of 1.9 % per year which is {$74000.00} .5 x 5 years would be {$370.00} For a general total that should be reversed to me XXXX It is important to note that I am still paying the vehicle to TOyta since the loan is for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
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 reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

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 2023-01-16
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with transunion and 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