BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: OK
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 or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector name is XXXX XXXX. 

She is a debt collector representing Diversified Consultants. This morning at XXXX there was a call who came in with no company name and had a XXXX number. A family member at home answered woke me up and a woman started talking after I said hello. Gave her company name and possibly hers, not too sure. She didnt confirm if I was The debt holder she just started talking about my debt assuming I was the correct debt holder. She also was almost demanding I put a CC on file to make payments towards a debt I could not afford. I told her 4 maybe 4 times, I had to raise my voice after she got demanding. She got aggressive and said she didnt even know if I was the debt holder because I sound like a woman. I said my name and its me and she then said now you sound like a guy or something in that nature. The fact that she didnt confirm if I was The debt holder and just started talking about my debt makes me feel like my identity with this debt collector isnt safe. Example. What if I was a man transitioning Into a different XXXX XXXX? What if I had a voice malformality that could make me sound like a woman or even worse what if they had called the wrong number and she released my debt information to complete stranger. The problem is the disrespectful, abusive tactics and not verifying who i am is wrong! She put me on hold and said foul things about me because little did she know I could hear! She wanted to hang up on me and not give me her supervisor when I asked. She escalated the situation into it now possibly turning into a legal situation. This is a violation of my rights under the FCRA, FDCPA, FTC and I want a complain filed and the Agency Diversified Consultants, the debt collector XXXX XXXX need to be held responsible. The supervisor I spoke to at the end said she would listen to the recording in order to discipline her but I informed her Im reporting this anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. 
I am old my health is not so great and the thought of losing my home takes a toll on me. 
I need to know what happened with my payments of {$990.00} that were sent. 
Had my loan not been transferred, I would not be in this mess. 
I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. 
The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX have called numerous times in the past few weeks. I have several calls listed on my cell phone and home phone that is related to their company. I can provide date and times if necessary ; I have explained to them that they have the wrong person ; there is more than one person with my name and they keep calling, they wanted by social security number but I refused, I asked them to read off the last four of the SS they have listed and it did not match mine : I instructed them that I am not the person they are looking for and to stop calling. I received two more calls just today ( XX/XX/2018 ) from their listed number and then a hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
a mortgage company called XXXX gave me a loan for an investment property. From XX/XX/XXXX until XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) was paying escrow taxes to the wrong lot number for the condo I own. After 3 years I was notified by the town the condo is located in, that they put a lien on the property for non-payment of property tax. I called XXXX, they admitted fault and paid all of {$4000.00} owed to the town taxing authorities. XXXX  then started to charge me thru additional mortgage charges to get the tax money they paid to the town. XXXX  said that they would charge me until all of the {$4000.00} was paid to them and if I did not pay, it would affect my credit and they would repo the property. I complained and called them once a week. XXXX sold the loan to FLAGSTAR bank. I explained the problem with XXXX to the new holder of the loan FLAGSTAR, but they just kept charging me extra on my payment until my escrow is down to negative {$1200.00} Both XXXX  and now FLAGSTAR owe me {$2800.00} that I was charged by extra payment on my loan by raising my mortgage payment. I am being robbed and threatened that if I don't pay, this bank will ruin my credit and foreclose on the property. I have called both banks NUMEROUS times and they say they will investigate and nothing happens.

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 2023-03-12
Company: MoneyLion Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got the below email and I have no known business with these people : On XX/XX/2023, at XXXX, Moneylion@writelines.com wrote : Hi, Our fraud department detected unusual activity on your account! 


Log in to your Account to Accept or Cancel this transaction. 


Verify Now : https : //members-moneylion.com.do/? TRANSACTION_ID=Nx5D-2BL732rBgjuDrSYBGQ97ouZ3gMWW2iQd4-2Fi8k1DQ Failure to unlock your account will result to permanent closure. 


Thank you Moneylion Team

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a education loan from Chase Education Loans Dept., which was already terminated between XXXX and XXXX ( I cant remember the year ). I found out this year, through my tax accountant, that chase turned the loan into " taxable income '' in XXXX, but I was never notified. Fast forward to this year, when I got into XXXX school at XXXX XXXX XXXX XXXX XXXX, and I tried to get a Federal Direct Plus loan, and was denied. The people at XXXX XXXX XXXX, gave me an account number to investigate through a free credit report, which I did. I received the credit report results on XX/XX/XXXX, and it clearly shows that the loan is in limbo, and it is listed as " charged off ' status through Chase. The investigation/ report provides an address and phone number for Chase as the lender. When I tried to call the number listed in the report, it is no longer valid. So I spent 6 hours today, speaking with XXXX, the collecting agency Chased initially told me had the loan, and they could not find it. Then I tried to speak to Chase and they initially told me that they have no info. In other words, XXXX claims they have no info on the loan and asked me to contact Chase ; and Chase claims it has no info on the loan, and asked to contact XXXX. I am completely in Limbo. All I am trying to do is start a process whereby I can start repaying the loan. Finally, after 6 hours, I spoke to a rep. from Chase internal credit beaurue specialty dept., who launched another investigation, which takes about 7 days for the results to see where is the loan and find out what  happened. 
I feel this is extremely unfair to me, specially since I have been a Chase costumer since XXXX. I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a credit card from XXXX/XXXX XXXX. There are itemes on my charges that I did not purchase that were purchased fraudulent after Identify Theft. I have notified XXXX and they have now put me into collection with National Enterprises Systems.

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 2018-09-10
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I was deluged with phone calls from a company called Convergent as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified Convergent as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX  debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from Convergent representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.

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 2017-11-06
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: Account status incorrect

Complaint:
Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Innovis
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: Account status incorrect

Complaint:
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX I opened a automatically renewable CD account with XXXX XXXX, My initial deposit was {$5000.00}. I was told by ms. XXXX XXXX ( financial specialist ) that my CD would auto renew at each maturity date, and there would be no need for me to do any mantainence, So i made the deposit and left it there, because it was for my grandsons college fund. XXXX merged with Wells Fargo in XX/XX/XXXX, and i just assumed my account would be transfered over with no problem. 
On XX/XX/XXXX I went to Wells Fargo with my receipt of deposit and all the paperwork that was given to me at the time of deposit, only to be told that they had no record of my account, there was no record of deposit or withdrawal, so they said that they would investigate, and after about 4 weeks of contacting the bank for updates they finally told me that the account was purged from their system, so they said that the account must have been closed out, I asked them by whom, and they said that they have no idea, I know I didn't close the account. so I feel they owe me a better explanation as to what happened to my money

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 2021-06-24
Company: ALCOVA MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage after I give all the documents, loan was pre- approved and my daughter spoke with with mortgage broker trying to an understanding of closing costs and mortgage payment, I believe their was misunderstanding between the mortgage broker and my daughter. After, my daughter apologized and the mortgage broker accepted the apology but he dont be surprised if I dont do the closing. For me he did that just because of my daughter. I am the customer not my daughter. So he call my son today to we not qualified and we are loosing {$5000.00} down payment. Its not fair. And he lied to by having someone called as vice-president of company, to let us know that he was fired. Broker name ( 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 monetary relief
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My mom XXXX suddenly in XXXX. We later found out it was XXXX. I was forced to take care of my little sisters. In order to keep the home I started making payments on the house and the utilities, which caused my late payments. I contacted Capital One who said they would remove the late payment notices for XXXX and XXXX out of goodwill because I did not owe a balance on either credit card. I have the original letter I sent, they did not respond so I called and thats when they said the would remove them next billing cycle. The balances were paid in full. I have not had another late payment in nearly 3 years. They never removed it despite them saying they would. I called back and they denied their agreeing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hi my name is XXXX XXXX and Professional Debt Mediation Inc bought this Debt from a apartment complex that is a dissolved llc in n.c.2, Professional Debt Mediation Inc is representing that they are a attorney this is false.3, I was never notified of said Debt or given notice that I could dispute said Debt before they started reporting it to credit agencies. 4, I moved from apartment complex XX/XX/2020 during covid and was never offered a repayment plan on the correct amount I owed or offered any kind of repayment plan.5 the amount that is being reported is fraudulent and I have proof.6, when I disputed said Debt with credit reporting agencies Professional Debt Mediation Inc was reporting that this was alone my debt after I disputed they started reporting that I owed this and my husband owed this, his name isXXXX XXXX .7 this was a illegal eviction and as I said the amount being reported is about XXXX to XXXX more than I owe. Also there were charges for late fees which were illegal in the state of n.c. and selling this Debt without offering a repayment plan is illegal in n.c.. I have proof of the security deposit not being taken off and that we paid half of the last month 's rent upfront. I have receipts from the amount we paid down and I have proof of the amount social services help pay down. I also have proof of how the apartment manager of the complex who goes by several different aliases which is one reason why this hasent went to court yet, violated nc law and federal law in regards to every complaint I have stated. Among many other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I received a promotional offer from XXXX XXXX XXXX whereby if I deposited {$10000.00} into my checking account I would receive a {$100.00} bonus on XX/XX/XXXX. 
I followed the instructions and deposited the {$10000.00} in my account, which remained there for over 90 days. 

I have yet to receive the {$100.00} from Charles Schwab despite numerous calls and requests. This is unacceptable as I could have earned more money putting these funds elsewhere, XXXX XXXX XXXX   can not simply go back on the terms of their agreement and fail to provide the promised bonus.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but TransUnion and XXXX  didn't even acknowledge that XXXX  had deleted an account that was never mine and so XXXX  and TransUnion needs to update my credit score once again. They aren't being up to date with everything

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 2018-09-10
Company: The Receivable Management Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.

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 2021-06-24
Company: Harvard Collections, LLC
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: Account status incorrect

Complaint:
Harvard Collections is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt reporting. This debt is so old, it should not be reporting. In fact, it is past the credit reporting limit under the FCRA guidelines. This needs to be removed.

Company response to consumer: Closed with explanation