BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently got behind on my mortgage payments due to COVID-19. Hours were cut then the primary lost his job. I sent s modification package with all docs on XX/XX/XXXX via overnight but the post office lost the package. I had provide the tracking number and kept calling back so on XXXX I spoke with a rep who when over the COVID-19 careact and submitted for that she stated on that call she would tell the loss mit dept to disregard docs because careact help does not need docs. After that call 2 other reps called me about missing docs but then stated that seen I was pending for careact and could take up to 30 days stated that I didn't need to send docs. The last call being on XX/XX/XXXX. Then on XX/XX/XXXX when I called I spoke with an XXXX XXXX ID # XXXX who stated that I need docs XXXX didn't understand what I was trying to explain what XXXX stated to me was that " I could hung up and call back and speak with someone if I didn't like what she was saying ''. I requested for a supervisor the supervisor she connected me with was her supervisor whom name was XXXX after explaining to XXXX. XXXX ask me so " you were trying to use your mod docs from XXXX we can't use Mod docs from that far back '' I never said that and don't even know were he got that information from. Ask XXXX repeatedly to pull the call from the last reps going back to the rep who offered/submitted me for the careact XXXX began XXXX say things that I don't know what he was saying almost like he was disorientated. I have made multiple calls to try to resolve this matter with no assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sent a letter that was misleading. It states that I have a certain amount of time to dispute this and then there is another date on the back that states a different date. I disputed this right away asking for more information. I sent them a Debt VOD letter I didnt hear anything in response to that letter because by the time they could have received they sent one 2-day air stating they were going to sue me. They didn't give me any time to dispute this they also have been harassing me at work and at home. They have called my job they have sent a letter to my office. They have called my husband Millions of times asking about me. I have asked them to send more information on who they are and what they want they will give me nothing I have asked for. I called them after receiving threats they are going to forward my information to a lawyer. I don't know what personally information they have sent over to another person. I do not want them to send this information without my consent if they are who they truly say they are I would like them to verify my information me before I start giving them my hard-earned money that is not too much to ask. And if they could not jeopardize where I work That would be great. I feel like my back is up against the wall and these people are taking advantage of people that arent aware of what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: PA
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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
XXXX and Experian are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company 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 2021-12-06
Company: MECHANICS BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As executor of my brother 's estate I sold a piece of property securing a mortgage from Mechanics Bank. My late brother and a woman not his wife were co-borrowers on the mortgage ; her interest in the property was extinguished by court action in XX/XX/XXXX. ( Documentary proof attached. ) At closing of the sale, the bank insisted 1 ) that I was responsible for $ 14,000-plus in their attorney 's fees, saying that though they had been discharged in the woman 's bankruptcy they were not discharged against me ; and 2 ) that I was responsible for {$11000.00} worth of interest that had accrued as a result of her request for forbearance in XXXX of XXXX, even though I was never made aware of or asked to consent to that request. ( Documentary proof attached. ) The bank 's lawyer argues I was not entitled to such notice because I was not recognized as executor by the state of California. However, I had notified the bank in XX/XX/XXXX of my brother 's death and my appointment as executor by the state of Washington, so it was aware there was someone responsible for the estate ( documentary proof attached ) ; moreover, if the bank 's posture was that there was no one who could act for the estate, it should not have granted forbearance on a loan with which the estate was concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a credit report alert detailing that I had a new account with FEB/Destiny. I called the company and it was in fact an account listed in my name. I have never heard of the company or bank and reiterated this several times to the reps. They informed me that a freeze would be placed on the card and that a team would review it. I asked the rep for the address that the card was shipped to and when the account was opened. I was notified that it was opened on XX/XX/XXXX and the rep would not provide me the address but rather replaced the initial address on the account with mine which i find to be very unethical and unsafe. Rep then back peddled and stated that initially there was no address listed on the account. Asked the company to remove from my credit report and was informed that it could not be removed until after the investigation and me filing an affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00}, XXXX : {$310.00}, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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:
I have attached additional documents for case # XXXX. 

CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a zero balance. I want your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX ( see attached credit reports ), have updated the information correctly with a zero balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Navient Solutions, LLC.
State: TX
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:
My taxes were taken to pay a XXXX balance 2years later the department of education said I owed this again so I paid it again from money given to me during COVID recently I was interested in returning to school and they are now saying I owe and additional XXXX $ and I shouldn't owe anything something is wrong please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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 victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the Equifax Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Midwest Loan Services, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 l received a letter that no partial payments are accepted. I applied through the state of Florida DOE program and they are paying my mortgage. At the time l applied my mortgage was less {$47.00} but somehow my mortgage Escrow increased. Im not sure why and no one has explained. However, the state of FL DOE has made payments on my behalf and l was paying the difference. But now XXXX XXXX is sending the payments back and rejecting payment because its lesser {$47.00}. I have attempted to pay the difference but have been faced with the bank stating no partial payments will be accepted. This is absurd and l feel like the bank is trying to force my home into foreclosure by not accepting payments from the state and l pay the difference. They also have my cgecking account on file but are being very nasty. I may have to resort into taking them to court if no remedy is sought or reached. I feel they are being evil and nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX  has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of XXXX data breachand I was not aware of this information until XX/XX/XXXX of 2023. However, I subsequently have been exposed and up for damages, untold, and unforeseen, consequences, and harm. I have disputed many, many claims with XXXX that have been completely ignored or overlooked until I made my claim for loss due to this data breach. I have had many aliases unknown addresses black web threats and actual fraudulent transactions on my report. That have since been removed as well as all of my disputes from my records, besides 3. XXXX continues to report negative information on my credit report. I have the highest interest rates on my personal loan, XXXX XXXX and the hardest time using my credit amongst denial for apartments and jobsbanks insurance denials and countless other disadvantages due to my report having negative incorrect information and accusations of my credibility and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After paying off a past debt directly to  XXXX   XXXX   XXXX , I received multiple letters from Convergent date d    XXXX - XXXX -2017.      The first letter is a standard attempt to collect debt, dated ,  XXXX - XXXX -2017, this letter was received on  XXXX - XXXX -2017  and was the first instance.   The next day, I received letter from the same company dated the SAME day,  X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU  may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day.     As of  XXXX   XXXX ,  2017, my  credit monitoring has indicated that this company has placed this debt to all  XXXX  credit bureau 's even though  XXXX   XXXX  confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a  XXXX  point drop in my credit rating which has caused severe financial detriment to a pending financial matter.     We have talked with  XXXX  at  XXXX   XXXX   XXXXXXXXXX  on   XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt.     Please note this debt was  PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately.     PROOF of SATISFACTION : PURCHASE AUTHORIZED -  XXXX   XXXX   XXXX   XXXX  FL  XXXX  CARD  XXXX   XXXX   XXXX   XXXX  can be reached directly at,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  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 2023-09-02
Company: Chime Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to Sendwave on XX/XX/2023 amounting to {$400.00} and email me that it will have 1 day pending for my ID review but until now no email eventhough I email them several times and even their company phone telling me that my account is deactivated. I dont whats happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06
Company: Comerica
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my most recent credit report I see an account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2023-06-24
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I filed bankruptcy in XXXX the {$25000.00} debt I was told by the mortgage company had been XXXX. In XXXX I received paperwork that I still owed the debt so for 6 years I have tried to resolve the debt but I get no help from the mortgage company that now holds the debt maid numerous phone calls over this time .now I want to try and refinance the debt with another company but they tell me now the debt has ballooned to over {$54.00}. I have been attempting to get a payoff quote for the new mortgage company since XX/XX/XXXX of this year I have made 16 calls to them with nothing but excuses I have asked for call backs from a supervisor but no ever calls they are costing me interest points and interest I don't know what to do now hope you can help

Company response to consumer: Closed with explanation