BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I called spoke with a rep who agreed to cancel my auto draft for the XXXX and I would make the payment 1 week following and pay the {$40.00} charge. Well even after that my account was drafted and I rcvd XXXX $ XXXX XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting Then On XXXX/XXXX/XXXX XXXX and I arranged my payment for {$2000.00}, I was waiting for a check to clear so the payment declined But the same day the check cleared I tried to reach XXXX but havnt been able to get in touch with her. Then on XXXX/XXXX/XXXX you guys drafted my account FOR AN UNATHORIZED payment for {$1000.00} XXXX/XXXX/XXXX RET ACH FEE because XXXX/XXXX/XXXX the payment of {$2000.00} tried to redraft and caused my account again to go negative and rcv that fee. 
I have been working with XXXX XXXX and now after numerous emails and numerous voicemails left for her and to return calls I am very upset. 
*Still waiting to receive {$35.00} from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX And now the most recent fee I need back for the UNAUTHORIZED PAYMENT on 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 2017-12-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Since XXXX 2017 I have tried talking to Navient about my account being paid each month before the due date, then receiving letters and phone calls that my loan is past due. Each month I call, they supposedly fix it and then it happens again. I have documentation of each time Ive called ( including the times ). Now, they dont even return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I received a credit card for XXXX of credit from XXXX on XXXX XXXX for a {$10000.00}. The loan was apart of the XXXX settlement in XXXX. The loan server at that time was XXXX they filed a lawsuit against me and I filed a answer the case was dismissed in the Superior Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This loan has been dismissed a loan forgiveness was granted. The Loan was unlawfully sold and transferred after the courts dismissed there claims. The assignment and transfer were illegally conveyed by robo signers after the cutoff date of the alleged trusts closed. The pooling and service agreement clearly stated that all assignments were supposed to have been conveyed 90 days prior to the cutoff date filed with the United States XXXX XXXX. There has been no payment on this Loan since XXXX Recap The case has gone before a Superior Court judge and was dismissed Fraudulent Assignments conveyed after the cutoff date of the trust Loan that was apart of the XXXX settlement

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 2018-02-11
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has derogatory information listed on my report I have asked for for proper validation they have not done so, I needed the signed agreement for the account they have failed to supply it to me, the account is not mines I never lived at those addresses Ive never obtained credit from this comany JARED GALLERIA, therefore I need them to immediately submit a request to remove the adverse information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: MA
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 a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I have a second mortgage with Specialized Loan Servicing and I been trying to get get forbearance or loan modification and have send all the documentations they needed multiple times and when I call them even their systems says we have all your information waiting for review and when I log in it says the same thing. Its been months and nothing has happened and we are in pandemic which most mortgage companies help right away like my first mortgage took one day to put me on forbearance to buy me time during these hard times. This company should be ashamed of themselves since they are very unorganized. Every time I call every agents do not know what is going on. I am on a fix social security income and now since they drag this so much now when I called today they said they want a new one like Social Security changes. 

I need help to resolve this since they are just so bad in helping people in these hard times.

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 2019-04-17
Company: First Associates Loan Servicing LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX online for XX/XX/XXXX - XX/XX/XXXX and while attending the school i had issues and after I graduated due to them shutting down and them being unable to provide the services they promised me. From using there School Cost Estimate Calculator, I gathered they also charged me the same rate as a person who physically attended the school which was approximately {$250.00} per credit hour over what I was original told and ended up paying exactly the same as a person that went to class there including room and board.I was not told until after i signed up, because the admissions representative said they handle the paperwork to make it more convenient for me, that some loans were private at a ridiculous interest rate and made it seem that they would all be Federal Loans. Also, I was promised that i would get aid in finding a job but all that was provided was the same leads that I found on XXXX, XXXX, XXXX, etc but originally was told that had " unique sources to find the perfect job suited for a career in XXXX XXXX '' which came from XXXX XXXX ( Director of Career Services  ). The experience i had with XXXX infuriated me and now it seems that my hard earned degree is virtually worth nothing except the paper my diploma was printed on and the fact that despite much effort, I still do not work in the XXXX XXXX field. I have included a more in depth letter entitled " Dispute Letter '' in the attachments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the emergency room at XXXX XXXX in XXXX, MI ( it may have been XXXX XXXX at that point in time ) sometime in XXXX. At the time, I had insurance and I paid my deductible on the spot. I was also told that there was an additional charge by the physician that treated me and I paid that on the spot as well. Sometime in XXXX, I started receiving calls from Wakefield Associates - reportedly a collection agency - about a debt that I " allegedly '' owed XXXX XXXX XXXX XXXX for an emergency room visit in XXXX. This was the first problem. I was never contacted by XXXX XXXX XXXX XXXX about this " alleged '' debt, it just somehow ended up in collections. I checked my credit report and I noticed that the collection was there. I immediately disputed the collection with the credit agency and they dropped it off my report. At that time - around XX/XX/XXXX - I called XXXX XXXX XXXX XXXX and they said that I owed {$140.00}. To avoid any further calls/conflict, I paid the {$140.00} on their website ( it gives you the website when you call them ), and yes, I have the receipt. Shortly thereafter, I let Wakefield Associates know that the debt was paid ( possibly twice ) and that needed to stop calling me and contact XXXX XXXX XXXX XXXX. The calls stopped. 

Fast forward to XX/XX/XXXX, I started receiving calls from Wakefield Associates about a debt in the amount of {$140.00} that I never paid to XXXX XXXX XXXX XXXX from services received in XXXX. This made me very angry because I was certain that I paid this bill at least once. I tracked down the receipt for this bill and immediately called both Wakefield Associates and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX said that my balance with them is {$0.00}. Wakefield Associates said that the debt was still on file. This makes me think this is some sort of scam between these two companies or at the very least shoddy accounting practices at XXXX XXXX XXXX XXXX. Either way, I'm reporting both of these companies. You can also find other people online complaining about XXXX XXXX XXXX XXXX sending their debts ( which in most cases were paid ) to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
Gateway one lending is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. gateway one lending has change the original date, loan amount and account number with XXXX, XXXX, and XXXX. gate way may have sold or sharing the account with SCUSA. I believe this is against the law under fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
I applied to renew my income driven repayment plan. It was denied. I called advantage on XX/XX/22 to get information to be placed on a more affordable repayment plan. I was told my payment plan would be XXXX $ /month. I agreed to this. I then received a message the next day denying my plan. I called aidvantage on XXXX was supposed to be connected to a representative but was instead sent to a survey to rate my satisfaction with the representative whom I never spoke to and then the call was automatically disconnected by the servicer at the end of the survey after never connecting me to a representative. I called back and was finally connected with a representative. They asked to put me on a hold. My call was then taken to the survey and again disconnected before any resolution was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2018-03-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data Systems Inc has reported false, nonexistent debt to the credit bureaus twice this week. I have contacted XXXX  HospitalXXXX XXXX XXXX to verify that Medical Data Systems should not be reporting any new collection accounts to the credit bureaus, yet they have done this twice in the past 3 weeks. There is no record of a debt owed, so they are opening fake collection accounts in my name. They are destroying my credit score by committing this 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 explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MN
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:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, XXXX I noticed that my credit card limits had been decreased. My XXXX XXXX XXXX Chase Credit Card ending in XXXX went from a {$7000.00} limit down to {$3500.00} limit. Also, my Chase Slate credit card went from a {$3000.00} limit down to {$1500.00}. In years past the more money I spent on the credit cards the more Chase would increase my limits. More specifically I have a Chase Sapphire credit card which started off with a {$5000.00} limit and is now at a {$13000.00} limit which is Max to capacity. It seemed every six months Chase would increase the limit on the Sapphire card as long as I was spending and kept a balance on the card. Because I maxed the Chase Sapphire credit card out I was trying to be more budget conscious and responsible with the other cards. So, when I would use it I would pay it off. And now it seems because of this I am being punished and impacted negatively with the decreasing of my limits. I am also paying an extremely high minimum payment for the Sapphire card and interest rate. I contacted Chase on XXXX XXXX, XXXX to discuss why my credit limits had been decreased as I have not received a notice or even a phone call regarding the change. I was told the change was made due to many factors in my credit reporting history and a negative reports within the past 36 months On my account however, as I stated in years past the limits had always been increased as long as I was spending and keeping a balance on the cards. I strongly feel that this is not a fair practice as it will negatively impact my credit score which I am trying to repair and maintain. Moreover, when I reached out to Chase on numerous occasions regarding some form of assistance on getting the Sapphire card lowered I was basically told that I dont meet the requirements for any options for any of their programs but they did provide me with the consumer credit agency information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have closed a POBox address that I've used as my primary address for over 15 years. I have sent in documents, called, tried using the online forms, and no matter what I do I can not get Equifax to remove this POBox from my credit file. It's listed as my primary address, so any correspondence they may try to send me will goto that old address, and I will not receive it as the year of forwarding has expired.

I tried again today to get this corrected. I have three address on file with Equifax, the POBox, work and home. I now need my home address to the the primary address on file and the POBox removed.

When I called, they verified my SSN #, birth date, all the addresses on file, the open car loan and monthly payment amount, a credit card on file balance and monthly payment, but because I could not tell them the month and year I received my last credit report in the mail, which was 5 years ago, the will not remove the address.

I have tried mailing the request in, but somehow that doesn't work either. And since I don't get mail delivered to the POBox, I haven't received a response to the request I mail in manually. 

So Equifax has left me with no way to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Direct Cash LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Starting on Friday, XX/XX/2019, this company started contacting my references that happen to also be my family members about a debt I owe them. They have contacted them everyday for the past 3 days. This company has my address and phone number since I have a loan with them - there is no need to contact my references to find out where Im at. I have emailed them more than once to ask them to stop, but they have not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My family members have been contacted multiple times concerning a debt of mine. 

I am willing to work with the company, but my family should NOT be contacted about something that is my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As of XX/XX/2018, I have numerous credit checks placed as " hard credit inquiries '' on my transunion credit file. I have not permitted a large number of these checks on my account. There are approximately 4 of 16 that I authorized. I believe I am victim of the transunion data breach or deletion and re-entering of inquiries. I have sent certified mail to Transunion as well as the companies that placed the inquiries.

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 2021-09-11
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan modification with Dovenmuehle Mortgage which was approved per the attached and the terms of the modification were met. I was to make trial payments XXXX, XXXX and XXXX and the modified loan was to take affect. This never happened and I received NEW documents to apply for a loan modification dated XX/XX/2021 when there was a modification agreement in place and the terms were met by me. The current status is that I am unable to make any payments on the modified loan and unable to make payments at all and am trying to figure out why the mortgage company has reneged on the modification agreement. I am a XXXX vet with XXXX and the first agreement was difficult enough providing the necessary documents and filling out the paperwork, now this company has seemed to have cancelled the agreement in place and requested I apply for yet ANOTHER modification and XXXX my account in that I am unable to make any payments. I feel they are deliberately trying to push me into foreclosure despite their previous agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation