BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this debt several times. They say they validated the debt. According to XXXX5usc1681b no permission to place on account. Falsely placing is grounds for imprisonment and or {$1000.00} for the violation. The debt is originally from XXXX. XXXX is no longer in operation, so who did you talk to to verify the debt. How can you validate and say the debt is mine. BREAKING PRIVACY LAWS> {$1000.00} XXXX tried to call XXXX to get a resolution. If I can't reach them how are you???? 
Where is the paperwork that I signed? 
I asked them how did they verify the debt and not to send a bill, because a bill doesn't reflect I actually owe the debt. 
I want the original paperwork that I signed with wet ink to show I signed it. I want my money for 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 explanation
Consumer complaint received 2022-03-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal Credit Union closed my cash rewards account approximately two years ago although I was making payments on time each month. They always deducted loan payments directly from my account, so it could have never been late at the time of closing. They said they closed it based on information regarding other accounts from a new credit report they obtained. They closed my account which impacted my credit score because although I make payments I can not use the card. They are also still charging me interest on the card although they chose to close the card ( not due to my credit card payment history ). 

I believe they either needed to not close my card or stop charging me interest on an account they chose to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX, XXXX, XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for EQUIFAX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.

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 2017-10-27
Company: Bread Financial Holdings, Inc.
State: MS
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:
I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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:
My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Violation of Cares act and XXXX XXXX. Can't get anyone on the phone- yet again. Conflicting letters sent, along with a paper they want me to sign agreeing to the forbearance terms 1. not what was discussed 2. violation of Cares and XXXX XXXX ( who holds my loan ) to report to credit agencies and can not make all the money due plus the 4rth payment at the end of the loan and fees ( which they aren't allowed to charge.3. Sent conflicting letters ( see attached ) 2 different dates, XX/XX/XXXX and XX/XX/XXXX. 4. no one answers the phone and despite being given email contact they say they can't communicate that way- are you kidding me??? I can contact a supervisor but you can't get through to them either. Contacted an attorney and have a meeting Monday to pursue legal action. Funny after I contacted you the last time when I couldn't even get someone to call to set up forbearance they called in 2 hours. This is beyond ridiculous.

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 2022-03-12
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I sent a copy of a statement with remittance transfer and correct verbiage and tender of payment and it was destroyed and disregarded and thats a violation of both Public law 106-229 and 15 USC 1693o-3 . I have recorded call of them opening a dispute and crediting the account allegedly but no changes have been made and now I have a late payment and my utilization is impacted affecting my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: I.C. System, 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:
Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. 

Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. 

It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. 

At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. 

thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-10-30
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX, my federal Student loan amount was XXXX Capitalization occurred with brought my balance to {$49000.00} an increase of {$5900.00}. 
My other loan had a balance of $ XXXX after Capitalization, the amount went to $ XXXX increasing by {$2300.00}. 
Both of my loans in XXXX had a combined amount of {$54000.00}. I was on a payment program at this time with my previous loan servicer. 
In XXXX my student loans were transferred without my permission or knowledge to Mohela and Mohela immediately added almost {$10000.00} to my balance. 
From XXXX XXXX, Mohela put me in 5 forbearance which I did not request or sign for, in fact, the last forbearance in XXXX I specifically told them that I did not want a forbearance to switch to a different payment plan, and I was told that if made an extra payment that I would not have to have a forbearance. I made the extra payment, but they put a forbearance on my account anyway and added {$28000.00} to my balance. I have been in a payment plan and making payments since I was forcibly switched to Mohelia. I called them to discuss it and they told me I shouldnt worry about it because in 20 years, it would be forgiven. 
The reason I switched payment plans in XXXX was because they told me I would have a lower payment and I would have loan forgiveness in 20 years instead of 25 years. They now tell me I dont qualify for that 20  year program. I think they just enticed me to switch so they could add over {$28000.00} to my balance. They did not tell me that they would be doing this or that switching payment plans would result in me owning almost {$30000.00} more. 
According to Mohela, I now owe them XXXX XXXX XXXX which I dont feel Ill ever be able to pay off. They have effectively ruined my credit with all of their forced forbearances and added capitalization. Nobody will lend me money now I cant buy a car or a home, even though my credit was nearly perfect before this. 
I thought the whole idea behind payment plans was to help people with their student loans who couldnt afford regular payments. My college education ( I graduated in XXXX ) which originally started at less than {$50000.00} has now almost doubled because of this. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Metrolina Credit Co. of Burlington, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a cehicke i n XXXX ; XXXX XXXX XXXX  about {$1300.00}. After three years I still ocw almost {$5000.00} and I went to my bank to refinance the vehicle to lower the payment and discovered that I was charged 100 % financing rate when the documents say 20 % interest. This loan compant is violating NC usury laws and overcharging on loans. They also stopped reporting payments to the credit bureau likely to hide the fact that I have been paying {$450.00} for over three years, almost four now. My credit union said that I should report the problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Bread Financial Holdings, Inc.
State: GA
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 all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BB&T CORPORATION
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:
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Pnc has terminated connection with XXXX XXXX to try and force me to use XXXX a different virtual bank. 

I have been using XXXX XXXX for over a year and this discriminatory practice by my bank is unacceptable and came without any notice. 

I contacted my bank and they informed me there was no issues and to take it up with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: FL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: HANCOCK WHITNEY BANK
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house sold and the loan was paid in full on XX/XX/2021. There was a positive balance in escrow. The company ( Hancock-Whitney Bank ) claims the check was mailed on XX/XX/2021. Despite Forwarding orders with USPS and frequent contact with the new buyer, the check was never received. On XX/XX/2021, the mailing address was updated to the new mailing address and a new check was requested. Multiple requests/contacts with the company resulted in a different date when the new check was mailed or would be mailed with each contact. This matter was escalated to Supervisors multiple times ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ). A local branch Vice President was also contacted to no avail. The projected date the new check would be mailed is being advanced 2 weeks with each contact - as of today it stands at XX/XX/2021. That is XXXX after closing of the loan. 

We requested multiple times for the check to be sent overnight at our cost but are being told that this is not possible. 

The Closing attorney informed us this is standard practice of this lender, and all of his customers have problems getting their escrow money back. He was unable to offer additional help. 

It is unacceptable that this is taking more than 90 days under the guise that the department is backed up. 

We believe the initial check was never sent as we received other mail from the same company in the same time frame without any problem. 

This company should be investigated for fraud related to their handling of escrow accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for XXXX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.

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 2022-03-13
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received numerous calls from CMRE Financial Services at XXXX. The company provides no way to be removed from their call list because they only leave voice mails and the phone never rings. The most recent call I received was on XX/XX/2022 at XXXX. The voicemail advised that it was CMRE Financial Services calling on behalf of XXXX XXXX XXXX  XXXX. They also advised that they were attempting to collect a debt for XXXX XXXX under account # XXXX and to call XXXX or go to XXXX. I've never heard of XXXX XXXX. I have no debt to be collected, so this call is not for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX 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 an account without my written instructions

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX 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 an account without my written instructions

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 2022-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2017-10-30
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$220.00} on XX/XX/XXXX and my friend contacted me the next day at XXXX letting me know that they did not receive the money yet saying that Western Union said that there was a problem so when I got word of this on XX/XX/XXXX I checked the status and it was saying that the money was paid out on the XXXX at XXXX XXXX. and XXXX Colorado and I do n't know how I have to pay is that possible when I sent the money to XXXX XXXX across seas and therefore it was picked up here in the United States so there for somebody that works for this company is stealing money and I want to I want it to be known and I need a refund somebody to reach out to me as soon as possible I can be reached at XXXX or through email at XXXX XXXX XXXX at XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation