BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this 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 2018-07-30
Company: Brock & Scott, PLLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I  requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company holds my payments after they receive it they take days/weeks to cash the check and apply it to my account. ( this happens every month ) The company charges fees with no explanation. 
The company claims that I have missed payments and that I am late however I have the documentation to prove that I have made all my payments. 
When I call the company and ask questions about payments and fees I do not get straight answer When I call the company, I am put on hold for long lengths of time and then I get transferred you to another agent. This has happened every time I have called. 
I do not have all the dates and times that I have corresponded with the company but it has been many times over the past few years after my loan was transferred to them. 
They post that my payments have been late since day one, Would like to know how they came up with that calculation. 
They send letters to my house stating I owe money and they can possibly foreclose.

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 2020-11-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to close my account with Comenity ( issuer of Ann Taylor store credit card ) in XXXX of 2020. I contacted their customer service line to get my balance, which I was told was {$130.00}. I paid this amount at that time, however there was some sort of lag in billing ( item delivered late, and Ann Taylor did not charge the amount until item shipped ). This resulted in a new charge to my account that I was unaware of as I thought I had paid in full in XXXX. 
In XXXX, I became aware that I had been charged for the item that shipped late to my card, which was supposed to have been closed at that time. Note : Comenity still allowed the charge, and then charged interest on it on top. I was unaware of the charge or the fee as I believed the account to have been closed. When I realized they had allowed the late charge,, I again contacted their customer service line, got my " payoff '' balance, and paid that amount, unaware that Comenity had tacked on a finance and service charge totaling {$36.00} XXXX or so ). 
In XXXX, I again became aware of a remaining balance ( which was only from " late '' fees and interest, which I AGAIN paid. Comenity again stated it was late, and charged an additional late fee and interest charge. 
At this point, I am paying interest and late fees on nothing but interest and late fees. 
This company is predatory, they have provided no services, and they refuse to waive any of the fees that they keep tacking onto my account. 
I firmly believe they actively are practicing what amounts to usury - it is unethical and immoral, and they should be FINED. 
The fact that Comenity Bank chooses to continuously nickel and dime me on nothing is appalling - not the amount really, as it is small - but their business practice of being incredibly difficult and unreasonable is shocking in a day when customer service should be a part of business ethics - which it clearly is not for this company. I will NEVER use any store or credit card that is issued through Comenity Bank again. EVER. And no one else should, either. I can only imagine how they are preying upon less fortunate people who can not afford their fees ; they are charging fees on fees. OUTRAGEOUS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An item arrived late and damaged, purchased from XXXX XXXX, card issued by Comenity Bank, complaints filed directly against the merchant in regard to late arrival and damage, remains unresolved. I have copied below the complaint filed against XXXX XXXX XXXXor Comenity Bank reference. Images of damage were attached via secure message through XXXX XXXX  website, their rep requested more photos which I do not have. I would like to dispute the purchase due to late arrival and damage, if possible.. The purchase was made on XX/XX/XXXX in the amount of {$850.00}, a XXXXXXXX XXXX XXXX. The damages include scratches and while they are cosmetic in nature, may lead to the unit later cracking and loss of use. I informed their rep of late arrival, did not seem to care my time was wasted when I was not moved into the address at the time, did not care to address it ... Complaint is copied below.. 
Order XXXX showed scheduled to arrive between XXXX and XXXX XXXX on XX/XX/XXXX I believe, do not have tacking number or information available to me at this time. As I explained to several reps on XX/XX/XXXX as well as on XX/XX/XXXX, XX/XX/XXXX, I was in the process of moving to my address currently, not fully living there. Needless to say, I had to make a trip back to the address on XX/XX/XXXX at XXXX, waited until XXXX and no one showed up or called me.. I called the following day, on XX/XX/XXXX, was given the number to the driver whom I had trouble reaching, had to call several times and sent several texts before reaching him, only to be told delivery would be later between XXXX and XXXX XXXX ... Needless to say, I had to make another trip to address for delivery around XXXX at night.. After moving in on XX/XX/XXXX, I discovered the glass burner has several scratches on it, I called in same day and rep would not address late delivery/poor service issue ... She supposedly opened a claim for damage and emailed me claim number to upload pictures of damage, no email received as of yet ... As you can see, the service with this company is very poor to say the least and their XXXX score of 3.8 shows it, they seem to have a decent number of negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.

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 2020-06-01
Company: Experian Information Solutions 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: SC
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:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX XXXX. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My ex husband opened and charged a phone plan through XXXX in my name-this was around XX/XX/XXXX. I was not notified, or didnt receive notification that this account was charged off until after divorcing him, around XX/XX/XXXX. I had disputed this with XXXX and cited the above statement, but didnt hear anything further regarding the matter, negative or positive. 

2 weeks ago, I opened a new credit line. As a result, I received a letter from a 3rd party ( Convergent ) today stating that the debt still hasnt been paid but theyd settle for {$1000.00} This debt is 8+ years old and shouldve been removed already, much less the debt was created illegally anyway.

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 2020-08-25
Company: APPLE RECOVERY SERVICES CORP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX of XX/XX/XXXX we received a letter from Apply Recovery service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from XXXXXX/XX/XXXX back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XXXX of XXXX and the XXXX of XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased ( financed ) a vehicle in XX/XX/2017 and through the dealership, received a loan from Wells Fargo. Since then, I have been making monthly payments to Wells Fargo since I still owe money on the car. As a lien-holder, Wells Fargo has the requirement that in order to finance with them, you need to have full coverage insurance. I never had full coverage insurance and neither the dealership nor Wells Fargo informed me that I would need to. My car has since been totaled, but I still owe over {$5000.00} on it. Wells Fargo should have required that I have comprehensive and collision prior to allowing me to purchase the car. They are not requiring that I pay off the rest of the balance, despite their negligence in confirming that I had comprehensive and collision.

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 2018-07-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have requested that XXXX XXXX XXXX  fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: KY
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 contacted Experian to resolve a issue multiple times and they refused to reinvestigate issues that I have. 
They claim it was verified but it wasn't Bankruptcy. Not verified please re verify XXXX XXXX XXXX. 
please reverify Unauthorized credit inquires. 

Not removed. 

I should have no hard inquires on my Experian credit report. 

I'm sick and tired of getting the run-around. 

Please remove all unauthorized hard credit inquires. 

Thanks

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 2021-03-29
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I cancelled my plan because my monthly bill kept rising significantly ( example : first month {$80.00} next month {$160.00} ) every month so I switched companies. I was told there was no cancellation fee I did not owe anything. 
On XX/XX/XXXX, I became to receive calls from a Collection Company saying I owed money without notice. They would not give me a debt validation and so I called the original creditor to which they stated that I was accidentally charged a cancellation fee and that they would launch an investigation on why I was charged a final bill even though I paid off the account. 
A few weeks later on XX/XX/XXXX, I received a notification from XXXX that everything was accurate even though it was not. I called the creditor ( XXXX XXXX ) only to be told that they cancelled the investigation and there was nothing they could do. 
However, on the XXXX I received a letter in the mail about a security breach on XX/XX/2020 ( same time the case opened for the collection account ) to which it was stated that there was unauthorized access to files and there was a file that contained my name and social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Clark County Collection Service
State: NV
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 Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an improper charge from XXXX for just going online to research a possible trip. So I called Bank of America to speak to someone in the fraud division on Saturday, XX/XX/XXXX. I was on hold for over an hour waiting for a member of that division to answer the telephone. This is in addition to the bank continuing to provide less than satisfactory customer service to customers who frequent its local bank in XXXX XXXX XXXX Florida due to understaffing of personnel. The Manager there, XXXX, is doing a remarkable job trying to satisfy customers who simply dont have sufficient numbers of bank employees to speak with because of the understaffing. Coupled with long waiting times on hold, Bank of America is failing its customers

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 2020-10-19
Company: EQUIFAX, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: VW Credit
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I return car back to dealaship back in XX/XX/XXXX, it is still showing open on credit report and I went to XXXX and they still saying wait, but the account should said close because I turn in and paid last payment and it is now XX/XX/XXXX and it is holding me up from getting another car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: GA
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 didn't authorized / authorization viewing of credit report " INQURIES ''!!! 
( Identity Theft Victim / Equifax Data Breach ) Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX XXXX XXXX is currently garnishing my wages over a credit card that was paid off in full in XX/XX/XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.

Company response to consumer: Closed with explanation