BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am XXXX XXXX I am a XXXX. 
I called Loan Care Loss Draft at XXXX XXXX  XXXX XX/XX/2023 I spoke with a person who did not identify who they were. They Never Do Loan Number # XXXX Property Address XXXX XXXX XXXX XXXX  XXXX CO XXXX. 

Loan Care has told me and my client XXXX XXXX XXXX that they were sending out his final payment that Loan Care has been holding since XXXX of {$17000.00} The person I spoke with today is very vague about what exactly XXXX XXXX needs to send out his payment to him. But of course, no payment will be sent if we don't do exactly what they say.

Previously I've had a rep say you need to send us a piece of paper saying what he's been paid- I said okay what amount is that- she's like uhhh let me check -- after a few minutes she comes back with I'm not sure but we can't release payment until we get that- that was someone else earlier this year and they did send out partial payment- everyone has a totally different set of rules they tell us and our clients to do to get their money. 

XXXX XXXX has been waiting on his final check of {$17000.00} since XXXX. He requested a {$15000.00} draw months ago that he never got and never was told he wasn't going to get. 

XXXX mailed Loan Care a {$62000.00} check around XX/XX/2023 and they release back to him {$45000.00} XX/XX/2023 and they are holding the rest. 

It is unjust to make our country 's elderly veterans jump through hoops and call numerous times to try to figure out how to pay their contractors. This has caused XXXX XXXX XXXX worry and stress he is underserving of. 

I as his friend but also his XXXX have the responsibility to seek answers for him that your rep today tried extremely hard to not give us. 

This job has been done, we sent in the certificate of completion. Loan Care makes no effort to contact XXXX XXXX or the XXXX with items needed. They have lied for months that they're sending out payment- Infact the lady today said the check was sent out then canceled? XXXX XXXX has not received a check let alone a cancelled one. 

Please review this call today to improve your reps training. This isn't a game to keep someone's money the longest- you are unfair to people who have done nothing to 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 2018-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
My complaint is against Experian they are allowing XXXX XXXX XXXX to put debt back on my credit report when it was already deleted. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. I was not notified by Experian the debt that was never Validated would be placed back on my credit which is illegal. Also they are allowing XXXX XXXX XXXX to post 4 different dates of debt with the same amount {$1400.00}. I have got my medical records and the debt XXXX XXXX is reporting is inaccurate and has not been validated.

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 2021-01-04
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Filed a claim against an unauthorized charge and Bank of America reversed the claim, stating my signature is on file authorizing the charge. 

No it is not. 

Bank of America claim # 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 2021-01-04
Company: Avadyne Health Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX  XXXX XXXX has an account listed that was opened in XX/XX/2014 this account is also listed on transition as well as a collection account from H & R accounts this account was opened by me however they had the wrong social security number when I called them and corrected the number they immediately closed the account and turned it over to H & R accounts a collection agency I paid off the account and have requested they remove the account information immediately they have refused, I feel that since this is paid and the error was theirs it should be removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE BANKRUPTCY COURT DONT REPORT TO ANY CREDIT BUREAUS AT ALL AND THEY DIDNT HAVE THE MY CITY AND STATE SPELL OUT ON MY REPORT THE RIGHT WAY ON ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Ray Klein, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was presented with a bill for an unidentified creditor. The Creditor information provided is simply XXXX XXXX XXXX XXXX XXXX XXXX along with 2 truncated original account numbers. The actual utility is not identified, and the truncated account numbers match no accounts I have ever held. Presumably if I contact one of their agents, I will be provided with a creditor name but what is puzzling is that this company is using a phone number which is not associated with my address in XXXX XXXX, CA. To be certain that the accounts are not legitimate, I confirmed with each utility that I had accounts for in XXXX XXXX have final billing settled and accounts are all closed.

When I conducted a search on this collection company, others were warning that the company was actively scamming and extorting people with false bills, so I have not contacted them as I do not wish for them collect more information for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
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 hope you can help! I have submitted a compliant on XXXX  with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from 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 explanation
Consumer complaint received 2021-01-04
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few months back a was contacted by a company called revco solutions from XXXX Ohio, they said I was in collections for some unpaid deductibles from my Dr. because it was the charges were from over a year ago and Because I had changed insurance companies and 'even though I thought it was wrong.. I paid the debt to avoid any damage to my outstanding credit score. Well a few months later I received a similar letter stating that I owe money again and this time I knew it was bogus!. So I sent the company a certified letter stating this fact and within a month they sent me another letter saying I owed the funds which is completely FALSE. Whats is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS

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 2021-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit score has been the same with little variation since I opened this account ( called XXXX XXXX with Synchrony Bank to use at the vet and various doctor 's offices for health care services ). On XX/XX/2021 I paid the balance in full ( vs only the minimum payment due XXXX XXXX, 2021 ). On XX/XX/XXXX XXXX per my phone discussion with customer service tonight XX/XX/2021 ) they closed my account because of a change in my credit score. As previously mentioned, it has only varied by a few pts up and down for the past year. I didn't miss a payment with them ( or any agency I believe ), in fact I paid the account off early. I didn't receive the letter they claimed they sent. I found this out because I checked my online account today to make sure my payment was applied and I could have the full line of credit to use for a vet appointment tomorrow for my very ill cat only to find the account is closed for no reason. This is deceptive and discriminatory. Who closes an account that is NOT delinquent for being paid in full?!? Please look into this company 's practices. They are not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified inquiry indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this inquiry to be authenticated ( A ). I will take legal action against you if you do not validate this inquiry. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021

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 2021-01-15
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
ON XXXX THE XXXX I HAD GONE TO XXXX XXXX XXXX DEALER AND PURCHASED A XXXX XXXX XXXX, AT THE TIME THE SALESMAN TOLD ME TO JUST TAKE THE CAR AND LATER I COULD REFINANCE THE CAR TO A LOWER LOAN RATE, BUT THAT WAS NOT THE CASE THEY CHARGED ME DOUBLE FOR THE CAR THE CAR COSTED XXXX AND AS OF TO DATE ON MY CREDIT REPORT IT STILL SAYS XXXX I TRIED TO GET OUT OF THIS CAR AND EVERYWHERE I GO THEY TELL ME I WAS RIPPED OF FROM THE SALESMAN FROM THIS DEALERSHIP MY PAYMENT IS XXXX A MONTHLY WHEN THE MATH IS DONE I WOULD OF PAID OVER XXXX $ XXXX DOLLARS ON A XXXX CAR CAN SOMEONE HELP ME AND THE BANK IS SANTANDER CONSUMER THAT IS KNOWN FOR RIPPING PPL OFF AND THEY HAVE OUTSTANDING LAW SUITS PENDING HOW THEY TREATED THEIR CUSTOMERS, I NEED HELP DESPERATELY PLEASE I HAVE XXXX  XXXX AND I HAVE NOT WORKED SINCE XX/XX/XXXX HAVING LOTS OF PROBLEM AND THIS IS CAUSING ME LOTS OF STRESS ADDED TO MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Was not notified of investigation status or results

Complaint:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

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 2023-11-20
Company: MOHELA
State: WA
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:
I had a large student loan in the XXXX XXXX XXXX ( $ XXXX principal and $ XXXX interest ) as of the day interest and payments were to resume, serviced through Mohela. I made a XXXX time payment of {$1000.00} on XX/XX/XXXX to see how the money would be applied when I opted to lump sum to pay down principal/interest. This payment was misapplied towards future payments, not as a XXXX time pay down as I intended so I had to call Mohela to get it reapplied. This put some administrative flag on my account for them to make a correction on the payment. In the meantime I applied for the new XXXX program on XX/XX/XXXX to help with the large amount of interest I would soon be accumulating. I did this over the phone was told this should take no more than XXXX weeks to process ( even accounting for longer wait times ). In the interim I was placed on forbearance with interest still accumulating, but no payments due. XXXX weeks passed and I called Mohela to see where my application stood and what was taking so long- they were not able to tell me or give me a timeline. Several more weeks passed and same thing, no answer after I waited hours on the phone to get ahold of someone to talk to - there is no information on their online portal. Last week on XX/XX/XXXX I called again and was escalated to a manager who stated that it looks like they had not begun processing the XXXX application because they still had not corrected the payment from way back on XX/XX/XXXX and until that was corrected they could not transfer my loans to the XXXX XXXX  -- so a XXXX week delay on their end. In the meantime I have continued to accumulate interest ; more than {$4000.00} of interest (!!! ) all because of their administrative delays in handling a payment I made on XX/XX/XXXX. Nobody in their customer service will give me any information on when this will completed and they seem unable to grasp why I am furious that their delays are costing me thousands of dollars in interest while I am in this limbo of interest accruing forbearance instead of XXXX  like I wanted. Not to mention every time I call to speak to someone it takes XXXX minutes to reach someone to talk to. At the time of this writing my loans currently stand at $ XXXX principal and now $ XXXX interest with my XXXX application still in a pending status. And I have no timeline for when it will change. And Mohela will not accept any responsibility for being unable to process my loans in a timely manner nor for the unnecessary interest that I am now responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolutionXXXX XXXX XXXX XXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the [ Name of Local Law Enforcement Agency ] and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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