BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I had a XXXX XXXX account from years ago that was overdue. It was sent to a debt collection agency named XXXX and was paid. XXXX XXXX, XXXX sent me a letter letter saying that they had aquired the debt but I sent the documents supporting the payment. They closed the case. Now they have sent another document trying to have my husband to pay this debt that has already been paid and has been proven to be paid. I can not get through to an agent and am sent to a voicemail which I have left in order to resolve this matter.

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 2020-10-27
Company: The Law Office of Nicole Hillman
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Attorney Nicole Hillman submitting 5 year old documents posing as IRS  Tax Lien to garnish personal bank accounts more specifically my government unemployment funds. 

XX/XX/2020 XXXX  XXXX Chairman and CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Re : XXXX XXXX Personal Banking Garnishment Mr. XXXX : Regarding this matter first and foremost this is not my debt. I have spoken with this Attorney XXXX and reported in writing to XXXX County Courts that this is not my debt and of which I have no knowledge of until XXXX submitted documents to my bank. Per my attorney XXXX  XXXX is also reporting this garnishment as an IRS Tax Lien of which it is not which concerns me as to how this garnishment was reported to XXXX  XXXX as deceptive which violates federal law ( FDCPA ) as I do not have any IRS Tax Liens. 

Secondly, as my financial institution I should have been given notice of this garnishment. As currently unemployed my current deposits are from protected government unemployment benefits which are exempt from such. XXXX XXXX must turn over and/or release those funds immediately. I have filed a police report and as well as reporting this matter to the Texas Attorney General Offices. 

I find it frightening that someone can submit paperwork without verification and the bank honors it without verifying the legitimacy. Please release my unemployment funds immediately. 

XXXX XXXX XXXX Cc, FTC, Texas Attorney General, XXXX County Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I placed an order in XXXX for extensions from XXXX XXXX. The item was damaged upon arrival I notify the company, they provided the shipping address. And I send the item back on XX/XX/220. I provided a receipt ( reg # XXXX ) to the bank on three occasions asking when will my refund be processed. And to date, I have not received my refund. My claim number for the case I open is # XXXX, I'm not really sure I'm comfortable making purchases using New York Community Bank if, my purchases are not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.

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 2020-05-15
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: TX
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX XXXX 5, XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX  10. XXXX XXXX XXXX  11XXXX

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 2020-10-27
Company: Prime Recovery LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to resolve the debt and verify the amount and was told that I refused to pay debt. I have screen shots of the chat. I then was sent a chat history that was not complete. He then asked me when I would pay and when I offered an amount he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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: Account information incorrect

Complaint:
XXXX XXXX notified me that XXXX XXXX XXXX added "Remarks" impacting my credit score on my credit report. Remarks were added around XX/XX/2019. I contacted XXXX XXXX XXXX and they confirmed that there were no issues with my account, and there should not be "Remarks" that hurt my credit score. My account with XXXX XXXX XXXX is in Perfect Standing. They told me to dispute these remarks. I submitted a dispute over XXXX XXXX for the remarks on my XXXX report. Shortly after they had corrected the issue as follows "Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Dispute resolved; reported by grantor - meets FCRA requirements"They did not take any points off my credit score. On Equifax report the remarks were marked as follows: Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Account previously in dispute - Now resolved by data furnisher. Impacting my score. I submitted a dispute with Equifax and spoke to representatives about this issue, and was told that it would be corrected. However, after disputing I received an update that the dispute was closed and they would NOT change remarks.  On XX/XX/XXXX I noticed my Equifax score dropped 5 points due to these same remarks. They kept remarks as follows: "Consumer disputes after resolution"XXXX XXXX XXXX confirmed there were no issues and that this was a mistake. XXXX immediately resolved the issue as it "Meets FCRA Requirements". Despite this Equifax continues to keep this on my account, lowering my credit score, and rejecting disputes. I need help dealing with Equifax to get this off as this is a complete error. Attached are copies of my latest XX/XX/XXXX and Equifax reports, so you can see the difference for yourself. Highlighted the remarks section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-10-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue transpired in XXXX 2020 with BB & T Home Mortgage sending a letter requesting my home insurance info as they had no record of insurance. I callled them back and told them the policy was in effect and was same insurance company and same sturcture policy our Condo has had for 10 years and they have contact info. Gave them the Insurance company contact info again ( same last 10 years ) and they actually called them while I was on hold but the Insurace company call went to voicemail. They said they left a note and would call back. I checked back a week later with BB & T who had done nothing, then with our Insurance company and they had not received a required email/fax requesting info. But BB & T was saying they would now purchase Insurance for me as they did not have the information. But would apparently not try to validate my insurance info. I vehemently protested their lack of effort to verfiy info. I then contacted our Insurance company, sent them the original letter and our Insurace company proceeded to send the insurance policy info that very day. Called BB & T next day, told them policy info had been faxed to them. They said to call back to confirm as needed to be processed. I called back a week later and they acknowledged ploicy info and did not purchase insurance for me. But now they say they want my personal home insurance policy info. They have never requested this before in over 10 years, but said it is required. They have sent a letter now in mid XXXX requesting this info. 

I went through this same issue with BB & T 6 years ago and their lack of effort to verify policy info. It's clear they systematically try to set up a pressured, quick response situation to allow them to justify and purchase their own expensive insurance. The situation is very predatory. It seems like BB & T is targeting seniors also. 

And now they are requesting my personal home policy info that they have never requested before. I have have personal home insurance in effect, including hurricance coverage. Their is no documention this info is required or necessary. Again, trying to set up a pressured, fast response siutation to justify forcing the consumer to pay for their expensive insurance. 

I filed complaints 6 years ago also. And now they want my personal home insurance info they have never required before.

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 2020-07-21
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a previous past due amount that was included in a chapter XXXX mortgage. For approximately a year I tried to bring my mortgage current via XXXX  XXXX XXXX   XXXX. Homepoint Financial kept refusing those payment attempts and then added excessive fees outside of the federal bankruptcy claim amount. We resolved that debt on XX/XX/2020 and current on my mortgage to date. It took 2 federal court orders, and a previous complaint with the CFPB to force Homepoint Financial to accept the payment from the XXXX XXXX XXXX XXXX. Now today XX/XX/2020 I get a phone call from Homepoint Financial demanding a payment of {$5200.00} and when I try to explain that im current, the representative gets aggressive and tells me I owe that amount that the XXXX XXXX XXXX XXXX didn't cover the total amount due. My attorney and the State of Indiana has legal documents that prooves otherwise. We will now be seeking additional legal counsel to file a lawsuit against Homepoint Financial for violating federal court orders, and legal binding documentation regarding the payment from the XXXX   XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First,my escrow payment increased $XXXX and the mortgage lender "Mr. Cooper" is unable to accurately provide the details of the increase due to the transfer of two service providers in the same year. Its quite possible that amounts/payments/ transfer information may have been lost with the transfer of service providers.Secondly, Mr. Cooper hasn't paid my semi annual tax bill that was due in XX/XX/XXXX/XX/XX/XXXX and is unable to explain why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company. 

!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the TD Beyond Checking account with TD Bank. The account stipulated that as long as I receive at least $XXXX in direct deposits within the first 60 days of account opening, I will receive a $XXXX   promotional bonus. I opened the account on XX/XX/2019. Within the first month, on XX/XX/2019, $XXXX was deposited into my account from the University of XXXX, which deposits through direct deposits electronically. On XX/XX/2019, $XXXX were deposited by the University of XXXX   through Direct Deposit (says EDI payments on statement). I have qualified for the promotion based on the conditions alone, and have kept my account in good standing during the entire qualifying period. The funds were supposed to have been deposited a maximum 95 days after the qualifying period. However, it has been more than 150 days. TD bank also denies those two payments by the University of XXXX were direct deposits, citing EDI payments as different from direct deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from Wakefield and Associates,  Inc and contacted them onXX/XX/XXXX. I spoke with XXXX XXXX on that date and finished my conversation with him at XXXX. I advised him that I had no idea about two ( 2 ) outstanding bills from XXXX XXXX XXXX especially since they were from XX/XX/XXXX & XXXX, XXXX. I ask for back up and was just told by XXXX XXXX they did not have any. I replied that how did they know the amounts are valid and that I needed the originals so I could do my diligence to see why the insurance company had not paid them either in full or what if any was my responsibility. Mr. XXXX XXXX said that in order to get the information I was requesting that I had to put the request in writing. 

On XX/XX/XXXX, I wrote and mailed a letter ( will attach ) to Wakefield and Associates, Inc, disputing the amount and requesting the back up information. 

The other day my credit bureau alerted me to a negative credit posted to my account from Wakefield and Associates Inc. I called yesterday, XX/XX/XXXX, at XXXX and spent 12 minutes on that call in total, to speak with a person and complain about there actions. To my surprise Mr. XXXX XXXX answered my call and we went back and forth with him using semantics and other " normal '' tactics employed by non-professional agencies. Long & Short he " transferred '' me to a supervisor to which I was put into voicemail. I left my Wakefield A/C # twice along with my cell number twice and advised I was very angry and expected a return phone call. Have you heard from them because I certainly have not. 

I have disputed their negative dispute with XXXX  ( Report # XXXX ) and XXXX  ( did not note report number ). 

I think that Wakefield and Associates Inc need to have better over site attached to them as well as be more upfront and honest. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX  XXXX 9. XXXX 10. 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 2021-02-23
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive detected ID fraud. I noticed before but i ran credit because I was about to purchase a home and saw accounts thats u didnt open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a checking, credit card, and brokerage account with Wells Fargo. On XXXX we had an issue with our brokerage account since we were converting it from a cash account to margin. I used my Wells Fargo credit card to pull a cash advance in the amount of $ XXXX and moved it to our brokerage. After finding out I didn't need to do this ( since the margin call was erroneous ), I paid the cash advance back in full XX/XX/XXXX ( before my credit card statement ). I called and spoke to customer service and a supervisor to request leniency and understanding to have the {$350.00} cash advance fee reversed since I paid the amount immediately. They refunded {$20.00}. Then my statement cut and even though I already paid the entire balance before the statement, I was charged {$38.00}. I requested this be refunded on XX/XX/XXXX which was denied. Completely appalling for Wells Fargo to claim that their internal process does not allow fee reversals anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: Penn Credit Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First, I have no idea who this company is. I have never heard of them. I have never received any documents from them. I disputed this account on my credit report requesting documents for validation and verification. I did not receive ANY documents or any information from this company validating this debt or verifying any of the reporting information. Yet, the company verified the account as accurate with XXXX. However, the information being reported to XXXX  has violations according to the Fair Credit Reporting Act. 1. There is no payment history being reported. 2.The open date is reporting as XX/XX/XXXX, but 3. The date of first delinquency is reporting as XX/XX/XXXX. So how can the date of first delinquency be before the account open date??? This is impossible and obviously incorrect. 4. The company has not provided the original contract with my signature that proves I owe this after this information was requested. 5. The company has not provided an agreement between its company and the original creditor that proves that this company is legally able to collect this debt 6. The company has not provided documentation that proves that is is legally registered and licensed in my state of Alabama to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CBC Companies, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the credit report it shows that we still have a mortgage with XXXX XXXX/ XXXX XXXX XXXX 
This mortgage was transfer to XXXX in XX/XX/XXXX. We do not owe money on this to XXXX XXXX. It needs to be removed or reported as paid in full.

Company response to consumer: Closed with explanation