BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This is a complaint about LoanCare LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.myloancare.com/pub/index.html # /Login I have been trying to make a loan payment Online, but their online payment system is preventing me from making a payment. I have called customer support multiple times, but they have been unable to accept my payment. They never respond to my repeated inquiries telling them that their payment system is not working for me. They do not get back to me so that I can make a payment, and now if I send a payment by snail mail it will be late. I have an agreement to come out of forebarence, but all this is preventing me from making a payment. 

Their automated voice system leads people down paths an incorrect path, so that they have difficulty reaching customer service and prompts people to leave a message with the company. Only by choosing an incorrect option was I able to reach a person. On XX/XX/XXXX I was on hold for over 30 minutes just to reach a person. That customer service agent was not able to process my payment - she said the system wasn't working for her to push my payment through, and had to get a supervisor involved to figure out how to accept a payment over the phone. I don't expect to hear back from them, and she could not give me her direct phone number so that I could contact her later. 

Their accounting practices appear to be incorrect often. I had a support ticket out for 3 months ( starting XX/XX/XXXX ) to resolve an issue where I had made a payment of {$12000.00} toward my mortgage loan. On XX/XX/XXXX I paid {$12000.00} toward my mortgage which was classified as 'other '. I saw on my account showing XXXX payments of {$3200.00} each toward 'principle ' which adds to {$9600.00}. This left {$2300.00} un accounted for. No one ever responded to me to resolve the issue. I checked today ( XX/XX/XXXX ) and there appears to still be {$98.00} unaccounted for. 

Something fishy is going on over there, or at the best complete incompetance and these people should not be handling our money if they can not keep track of where it is.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-12-22
Company: Affirm Holdings, Inc
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Affirm Inc My 3 unpaid accounts were XXXX  in a bankruptcy that was filed XX/XX/XXXX and XXXX XX/XX/XXXX I got this email today Hi XXXX, This is an informational update about Loan XXXX. You don't need to do anything right now. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acquired your loan, with an unpaid balance of {$160.00}, including principal and accrued interest ( if applicable ). XXXX XXXX XXXX XXXX XXXX now owns your loan and may contact you either directly or through an affiliate or third-party servicer. 
Heres the contact information for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX To learn more about why your loan was transferred, visit the Affirm Help Center. If you have any questions about your loan repayment, please contact XXXX XXXX XXXX XXXX XXXX at XXXX. 
Regards, Affirm This message is for informational purposes only. It is NOT an attempt to collect a debt. You are not required to take any action at this time in response to this notice. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I logged in to my account to see that I have 3 loans in collection, 3 loans that were XXXX in the bankruptcy. I called to discuss it with them and they said since the email states its for informational purposes only and that they are not attempting to collect a debt, that they are following the law. I'm not a lawyer but I don't think they can sell a XXXX debt to a collection agency. 
I contacted XXXX XXXX XXXX as well and they said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

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 2022-12-23
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a dispute complaint letter to midland mortgage and the XXXX confirmed delivery of the letter to Midland Mortgage, XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any confirmation from Midland mortgage nor any attempt to correct my issues I addressed in the dispute. ( XXXX ) Midland mortgage has been misappropriating the funds in my escrow account for the last XXXX years and ( XXXX ) this year they even pulled funds out of my escrow account to pay for fees and penalties that arose due to their negligence and lack of due diligence. ( XXXX ) As of today XX/XX/XXXX my property taxes still show a balance due for the XXXX tax year!!!!!! I have addressed all of this in my prior complaint letter to midland mortgage and I have called midland mortgage on numerous occasions before I sent the complaint letter and they refuse to address my concerns. My mortgage has been paid months in advance since XXXX so their treatment of my account is fully inexcusable.

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 monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-03-18
Company: WELLS FARGO & COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
By letter dated XX/XX/XXXX Wells Fargo Bank requested additional information regarding my credit card application because they were purportedly unable to confirm my identity. I am a US citizen with a real ID drivers license and a passport. I have lived at the same address for 35 years in Maine. I called the indicated phone number XXXX and the bank employee told me to mail in a copy of 1 ) my photo ID drivers license, 2 ) copy of a current electricity bill showing my name and address and 3 ) copy of a current water utility bill showing my name and address. I sent these copies by US mail on XX/XX/XXXX to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX IA XXXX. By letter dated XX/XX/XXXX Wells Fargo indicated they had received my request to reevaluate my credit card application but denied the request because my " identity can't be verified. ''

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 2022-03-17
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2019-10-03
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on 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 2019-03-22
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX XXXX regarding an old XXXX insurance policy. In reviewing the letter, I noticed the policy number was incorrect, cancel date was incorrect, along with the amount had increased by almost over 100 % ( XXXX ) while offering a settlement amount. Luckily, I hold on to documentation for 5-10 years. I retrieved my old XXXX policy information along with the initial XXXX XXXX XXXX letter they sent to me almost three years ago. With the balance being XXXX, due to me switching insurance companies mid-stream of the policy. The reason why I am reaching out to you instead of the company first, is based upon past negative experiences with debt collection companies. This maybe a mistake or even a typo. XXXX XXXX XXXX may have sent me the wrong information, I am not sure, but I will not be taking any chances. IF this was intentional and XXXX XXXX XXXX   attempted to knowingly collect money that is not owed, that is illegal and it violates the Fair Debt Collection Act. They Misrepresented the amount owed, the cancel date, and the account information for monetary gain. What If I didn't keep records of previous accounts, It would be my word against theirs. Attached are the documents to back up my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I was charged for a loan i did not authorize or have no knowledge of. I was charged in my bank account for the loan and iam in debt with the collection agency. A speedycash associate had my personal identity information and he stole my identity to take out a loan with my information he used used my debit card information for loan payment i never authorized speedy cash to take out a couple of loans with my identity or debit card. I have bank statements showing the loan number and how much was debited out of my bank account and transactions that were overdrawn from my account. Speedycash denies the multiple accounts that are were in my name and says only one is in collections. I paid money to the collection agency for them to remove the account but they still refuse to remove the negative fraudulent account from my credit and i did not open a new loan in XXXX or XX/XX/2022. I only opened a loan in XX/XX/2022 and XX/XX/2022. Which i paid off a total of {$6.00} plus {$170.00} and overdraft fees of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX/XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.

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 2022-03-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On two separate occasions my personal savings account has been locked, without my consent or notification by Chase Bank for fraud claims made by a family member. First occasion was on or around XX/XX/2022 and the most recent event was on or around XX/XX/2022. Both times I was advised that my father who is a terminally ill XXXX and XXXX patient, for whom I am the XXXX  for and have Power Of Attorney of both Medical and Financial concerns, contacted a branch for unknown reasons and subsequently a fraud investigation was opened. On the first occasion I was able to have the matter remedied after numerous calls and visits to my local branch. My account was then locked again without my knowledge and I was directed, again to a fraud investigator, whom would not supply me with her full name, office location, case number, email address or any other information verifying who she was. She made unfounded accusations towards me concerning the care and wellbeing of my father. She repeatedly stated the reasoning that he claimed I had stolen his money and notified me that I had to provide her proof of how and why I spend my own personal funds. I repeatedly asked for her to give me her supervisors name and information, to which she refused and became agitated when I kept insisting. She told me that until I provide her proof of my fathers condition that my account would remain locked. I am embarrassed, appalled and infuriated that my morals, motivations and reputation is being called into question by a nameless, faceless representative of this bank and that I am unable to have a say in the matter. I can provide full proof of my fathers condition, my POA 's but I feel that these are unnecessary steps to reclaim what is rightfully my funds and that were improperly withheld from me. I expect a full reversal of the closure as well as a written explanation and apology from this representative as well as the supervisors over her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Social Finance, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2018 a Sofi manager said she would expedite my son 's application if I would immediately upload my college transcripts of which I followed her instructions precisely. However, somehow the application fell through the cracks at SOFI. The application was never expedited as promised and was closed. For three weeks, I have been trying to speak with a manager to find our how we can re-open the application and for some reason SOFI keeps dodging me on speaking with a manager. I have called numerous times and sent numerous emails. Sofi keeps saying the manager has been unable to reach me but what they are doing is calling once and hanging up immediately. At this point, I am starting to see the light. This is all part of a harassment tactic of theirs to stop me from pursuing my case. I want to report them for harassment and unfair business practices. Also, their process is not streamlined and hence the need for the expediting process but this is a long story and far less important in comparison to the harassment I have been receiving by them. Desired Outcome : To have a manager phone me and not hang up and to re-open our original application at the original contracted interest rate. I do not want to start a new application at the higher interest rate ( interest rates have climbed and is now 1 % higher than the original application date interest rate )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: CT
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. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX XXXX, Account # 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 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 2018-08-15
Company: Collection Center Inc
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had garnishments for my medical debt for approximately 3 years now. I did not know that collection center inc. was doing this until I went to try for a home loan. Apparently when my garnished amount gets to collection center inc., they apply {$1.00} to every bill we have with them. This seems very unethical because the amount I owe them never seems to decrease. I am not understanding why they do not apply the money to the lowest bill owed and move up from there so that some of the individual bills are paid off in full. The way that it is being paid now causes it to look like I pay nothing because the interest adds up more than what I have paid on each individual bill. This seems to make it look like I do not pay them at all. This issue is the only reason I was denied my home loan.

Company response to consumer: Closed with explanation