BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Phelan Hallinan Diamond & Jones, PC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From the Office of XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, My name is XXXX XXXX I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was, is and will always be my property. I do not have any mortgage or any financial obligation on this property and my name is on the Deed and not in any Mortgage Note. I am 100000 % sure I will win back my property and file criminal charges against your abusive and deceiving Law Firm. You organized the fraud inside my6 property and help criminal stole my private property and once I win my legal case if you do not pay the {$260000.00} you will face the consequences. Attached you will get the official complains against your Law Firm as well as the lawyer involved and there are 87 official complains against your criminal activity inside my property for which I do not have any mortgage. I am a XXXX with 29 years XXXX experience and I was involved in the procedure of each mortgage documents so there is no need to enter in any polemics. With your limited banking knowledge. Since I am not an expert like your Law Firm in defrauding families I file official complaints with Dept. of Justice, PA Attorney General, PA Governor as well as the ethic committee and many other Departments. I will never stop until your criminal activity will be expose. FBI will be involved too as well as the TV and all internal and International press as well as INTERNET.. 
XXXX XXXX is my wife and she was a victim of fraud landing so this mortgage is a fraud, the foreclosure is a fraud since was done in a top secret close door and I am sure that the Superior Court will reverse the fraudulent Sheriff Sale soon. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX was informed weekly and once I get back my property I will file criminal charges against XXXX XXXX, HIS FAMILY and all the people involved. XXXX XXXX got involved in a fraud mortgage originated by XXXX a bank that once we made this public this company went bankrupt. I rejected this mortgage and even today the money is in an account Now XXXX XXXX is directly involved in defrauded my property and they will pay soon {$260000.00} for stolen private property damage, vandalism, theft organized from XXXX until XX/XX/2016 theft done without having any legal rights or permission to enter inside my property. 
I have Police report number ant the XXXX XXXX report number. I informed the Local Sheriff and the President Judge of the Court of XXXX XXXX. I am very confident that the Superior Court will award back my property and I close your Law Firm. 
Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: LA
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:
I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: GREAT LAKES
State: MN
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 have been making additional payments and asking them to be allocated to a specific loan token after paying my normal monthly auto payment, however, they are not applying my extra payments directly to principal and are charging against next months interest. I called customer service and they are making it very difficult and are running me in circles with no concise answer. 

My auto payment is set to cover all of the monthy interest gained for all loans, then I make an additional payment and that is not being applied to principal as requested and has even been dispursed across all loan tokens. They say that interest gains daily which I understand, but this is an extra payment after all interest should have been paid. Plus they are charging me {$69.00} in interest when I just made a payment two days before. 

This has happened many times. Here are some of the specifics : Auto payment made on XX/XX/XXXX - done correctly and applied to all 4 loan tokens Extra payment made on XX/XX/XXXX - done incorrectly, was requested that 100 % of payment go to loan token XXXX. But they dispursed it to all 4 loans. 

Extra payment XX/XX/XXXX - done correctly Autopayment XX/XX/XXXX - this was now applied to only loan token XXXX, not all 4 loan tokens instead of putting earlier payment to it. They are doing it backwards. 

Extrapayment XXXX- done incorrectly. 100 % ahould have been allocated to principal on loan token XXXX, but instead was allocated to all 4 loan tokens. 

Auto Payment XX/XX/XXXX. Done incorrectly and went to token XXXX. They are flipping my extra payments and auto payments around to their benefit for interest gain. 

Extra payment XX/XX/XXXX - done incorrectly. Was also allocated to loan XXXX but dispursed to all 4 tokens. 

Extra payment made on XX/XX/XXXX. Should have processed but they are delaying processing my extra payments which accumulates daily interest. 


All in all, they are flipping my payments around and making not applying extra payments correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 roughly XXXX XXXX XXXX XXXX stole my vehicle from in front of my home. After contacting BRIDGECREST I was informed they had contracted with XXXX XXXX XXXX and provided them with my personal and private information to enable XXXX XXXX XXXX to carry out and perform violations of transporting stolen property. 

BRIDGECREST or XXXX XXXX XXXX are not interested parties in my contract.

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 2018-06-26
Company: WELLS FARGO & COMPANY
State: AR
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
In early XX/XX/XXXX we received a check from Wells Fargo Bank for the amount of {$12.00}. We called to try to get additional information about the account that this was related to, and they were unable to give an adequate explanation. They provided us with a phone number to call XXXX ( aka XXXX ) and they were also unable to provide additional information. They only know that it involved an account that started in XXXX, and that XXXX/XXXX  had placed charges on our account and that an audit showed that XXXX felt they owed us a refund. We indicated that we would turn this matter over to that state attorney general of Arkansas because we felt we were not in a position to get any further information from WF  or XXXX. 
We next received a letter dated mid XX/XX/2018, informing us that Wells Fargo was processing a check for {$200.00} as a customer appreciation award. 
Next we received a letter from Wells Fargo offering us mediation for our concerns dated late XX/XX/2018. 
Next we received a check from WF for the above mentioned {$200.00}. Our concern is that we are uneasy endorsing anything from WF or their partner companies, because it is unclear what we are agreeing to if we accept these checks. Have you any suggestions as to what we should do?

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 2018-06-26
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my annual credit reports and found I had a collections account on my reports. Penn Credit Corp in the amount of XXXX. I had no idea of this debt and was not notified that or recognize this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.

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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The information on my Transunion credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?

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 2019-01-07
Company: EQUIFAX, INC.
State: OH
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:
Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX  and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Alliance Collection Agencies. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) needs verification because there are missing payments to XXXX XXXX that should have paid this is full last year. After reviewing my credit report I noticed a few issues that are very concerning to me. Alliance has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind this claim was paid in full long ago!

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 2018-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

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 2021-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Northland Group Inc
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector trying to collect a debt that I received a XXXX for. They never put in writing I can dispute the debt only a payment option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Collection Bureau of America Ltd.
State: FL
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 pulled a copy of my credit report and noticed there was a collection from two companies that I was unfamiliar with so I disputed with the credit reporting agencies. They sent back their response as valid. I still wasn't familiar with the accounts so I sent a request to the companies directly and they have not responded and I mailed the request in XXXX. The first company is XXXX XXXX XXXX XXXX the other is XXXX XXXX XXXX. Again I have no idea what these two companies are collecting.

Company response to consumer: Closed with explanation