BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CO
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:
I have filed disputes with Experian since XXXX of 2020, in addition I called XXXX dispute number. I was placed on hold 2 transferred and hung up on after being told someone would immediately update my errors in my Credit File. My Bank has submitted a XXXX balance for my loan through the XXXX XXXX XXXX XXXX, since XX/XX/2020. Experian reports that my balance is maxed out. In addition they are reporting that my credit card balance is XXXX dollars for the same creditor it is also XXXX and has been for over 60 days. This is impeding my ability to obtain a home mortgage a negatively impacting my FICO score and debt to income ratio. In addition there is an duplicate entry by a debt collector for XXXX dollars that was previously deleted, the debt collectors name is XXXX XXXX XXXX. This was previously deleted from my credit report as it was paid in full to the original creditor, XXXX XXXX  Hospitals. I never received a bill. and The original creditor withdrew the debt, yet Experian continues to report in on my Credit report. I am requesting the information be immediately deleted from my report for XXXX XXXX XXXX and the correct balances be updated on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: LoanCare, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!

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 2017-11-29
Company: Alco Capital Group, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. XXXX XXXX XXXX, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a XXXX credit card years.never missed payment. I had a XXXX and XXXX   XXXX on XX/XX/2017. I have insurance on the credit card I pay monthly for years. I contacted them by email and telephone. I was told they don't handle that and had no idea how to make those adjustment. I was refused a supervisor and no one did anything. I got mad at the store and they said to call my account was closed and charged off.on my credit. I have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: A+ Loans, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received an email about a past due balance. The email indicated to call a number and they would assist you with your loan. I was placed on hold for over 25 minutes and got a text from someone else at a different location of the business. I contacted XXXX who sent the text and was notified that I needed to pay in full and they would send an update to the bureaus. I asked him to clarify which kind of update because the email stated they would remove delinquencies but XXXX kept talking in circles. He couldnt provide clear information. He also attempted to lie and tell me that they cant request our accounts be updated a certain way with the bureaus because they dont control whats reported. The business does report directly to the bureaus and tells them what to post and I did not appreciate him lying. I felt uncomfortable submitting payment to him, as he clearly is not well versed to be handling my account. I emailed the business and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.

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 2021-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
( 1 ) I am an African-American citizen residing in XXXX XXXX, PA. 

( 2 ) I executed a HELOC mortgage loan contract with XXXX  XXXX XXXX on XX/XX/XXXX. The original HELOC contract has never been modified and the terms and conditions of the HELOC contract do not specify any " balloon payment ''. 

( 3 ) I received a letter dated XX/XX/XXXX stating that the ownership of my HELOC loan had been transferred from XXXX XXXX XXXX to an organization named " Towd Point Master Funding Trust XXXX ''. The XX/XX/XXXX letter states ( in part ) : " The assignment, sale or transfer of your mortgage loan does not affect any term or condition of your Mortgage, Deed of Trust or Note. '' ( 4 ) I received a letter dated XX/XX/XXXX stating that the servicing of my HELOC loan had been transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " SPS '' ) effective XX/XX/XXXX. The XX/XX/XXXX letter states ( in part ) " [ n ] othing else about your mortgage account will change '' and " [ t ] he assignment, sale or transfer of the servicing of the mortgage account does not affect any term or condition of the mortgage instrument, other than the terms directly related to the servicing of your mortgage account. '' ( 5 ) On or about XX/XX/XXXX, I received a final written monthly statement from XXXX XXXX XXXX stating the current HELOC balance due was {$79000.00}. The final XXXX  XXXX XXXX XXXX statement covers the billing cycle XX/XX/XXXX thru XX/XX/XXXX. 

( 6 ) On or about XX/XX/XXXX, I received an initial HELOC statement ( dated XX/XX/XXXX ) from SPS stating the current HELOC balance due was {$86000.00}, including a " balloon payment '' of {$8300.00}. This initial SPS HELOC statement characterized the new balloon payment as follows : " The Outstanding Principal balance includes the Interest Bearing Principal balance and the Deferred Principal balance. The Deferred Principal balance is not subject to the charged interest rate and will be due as a final balloon payment on the earlier of ( a ) payoff of the Interest Bearing Principal balance, or ( b ) maturity date of the mortgage loan. '' ( 7 ) Towd Point Master Funding Trust and SPS have unilaterally and unlawfully modified my original HELOC contract and added a new {$8300.00} balloon payment to my HELOC contract. I have included the preceding twenty-five ( 25 ) XXXX  XXXX XXXX monthly statements as evidence that this balloon payment did not exist until after Towd Point Master Funding Trust XXXX and SPS acquired my HELOC contract. 

( 8 ) I request that Towd Point Master Funding Trust and SPS ( 1 ) immediately cease and desist their efforts to collect the illegal {$8300.00} balloon payment and ( 2 ) notify the Pennsylvania Attorney General and all credit reporting agencies regarding its unlawful collection efforts in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently disputed the inquires on this report because they were not authorized by me. The auto loan related to these inquiries was removed back in XXXX due to Fraudulent activity. These inquiries should no longer be on my report. No investigation was completed and no method of validation was provided as to why these inquiries were left on 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 2021-05-21
Company: DISCOVER BANK
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I was hacked Discover card and bank. XXXX XXXX investigated and replaced lost funds. 

Discover card notified me my account will be closed permanently. I was issued a Discover Card check XXXX XX/XX/2012 for {$2.00} As of XX/XX/XXXX my Discover card balance was - {$1.00} Discover Card issued me today XX/XX/XXXX a new credit card account that has a balance owing {$4200.00}???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home XX/XX/XXXX. At that time my homeowners insurance was paid in full to XXXX XXXX XXXX XXXX. Co. for the year. So my mortgage payment for the year was {$2200.00}. In XXXX/XXXX I get a letter from Freedom Mortgage that my payment needed to increase to {$2400.00} due to lack of funds in escrow. Which seemed off to me at the time but ... The letter stated these payments needed to start in XXXX. So, I made my payment for XX/XX/XXXX in the amount of {$2500.00} to cover escrow and add a bit to principal. 
Late XXXX I get a letter from XXXX that my homeowners insurance was never paid by Freedom Mortgage Co.??? So of course I call Freedom Mortgage Co. and get a recording saying that my insurance is XXXX XXXX XXXX. Co and my payment is almost triple the price for an exorbitant amount of coverage. Come to find out that someone at Freedom Mortgage Co. applied the wrong insurance company with a wrong amount to an account that was paid up for the entire year! How does that even happen? So, I finally get someone to actually speak with and tell them they have the wrong info and it needs to be paid immediately. The payment to my insurance company was made. Ok so that leaves us with the overpayment of funds. So payments as follows, which should have occurred! 
XXXX XXXX payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} To go towards principal. 
XX/XX/XXXX Payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} to go towards principal I have made 3 addition phone calls to Freedom mortgage and they can't seem to figure it out. I made them do an escrow evaluation and they came back with {$2200.00} for XXXX. So I paid {$2500.00} for XXXX which leaves {$230.00} going toward principal. Thats a total of {$700.00} Which should have been applied to the principal on my loan? Which also would effect the interest amount applied. I have tried communicating this to Freedom Mortgage Co. and seem to get nowhere!!!! I am awaiting a phone response since XX/XX/XXXX and have not heard one thing! I need this taken care of ASAP. 
Thank you, 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 2019-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from the County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be  reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. 
I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Exeter Finance Corp.
State: PA
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 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for PayPal 2 % cashback MasterCard and was approved for a starting limit of {$5000.00}. I received the card which clearly states it's a cashback credit card on the back as well as the design for such card. Even the billing statement states all the benefits for such card, which is no minimum redemption amount and no rotating categories. However, I was given the benefits of another card which is the PayPal Extras MasterCard which is based on points and rotating categories. I called their customer service and spoke with one the agents, her name is XXXX, who stated that I earn points plus the 2 % cashback and that the cashback is converted to points. I also spoke with one of the supervisor, his name is XXXX, where he confirmed what XXXX just said. So, I applied for the PayPal 2 % cashback MasterCard and was given the perks of another card which I clearly didn't apply for. Also, If they applied for the PayPal Extras MasterCard, Why didn't I get the correct card design, or how my statement thinks I have the cashback version of the card and at the same time treating it as the Extras version.

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