BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning sometime around XX/XX/XXXX, my home conventional mortgage was acquired by LoanCare. On or about XX/XX/XXXX, I began making an extra mortgage payment of {$120.00}, to be applied to the principal. Records show LoanCare received regular EFT payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At no time were these payments applied against my principal. I began calling every month after theXX/XX/XXXX payment to inquire as to why not. I have spoken to several customer service representatives, and/or customer service supervisors. Each time I was assured the error would be corrected, and my funds were then credited against my principal. The issue is : If I do n't call, the money sits in an account, not applied to anything. Also, I do n't get interest reduction on the loan. 
Secondly, I do not want ( for financial burden ) to change my automatic monthly payment, and there is no way of making automatic additional payments, except by doing it one month at a time on their website : Myloancare.com. They admit to me there is a problem with cashiering not recognizing the additional payment when it comes in, but they do nothing to fix the problem. 
Third issue : I have made additional mortgage payment to other lending institutions with no problem. This is an issue that is unique to LoanCare and can not be allowed to continue. 

I NEED YOUR 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 2017-10-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HIPPA, CRA VIOLATION INACCURATE INFORMATION MUST BE 100 % CORRECT IF YOU REPORTING

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 2017-10-03
Company: CITIBANK, N.A.
State: CT
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:
on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.

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 2021-06-11
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. I am filing a complaint because Phoenix Financial Serv has been invoicing {$980.00} medical bills for several months now. I have no medical debt of {$980.00}. My son called and explained to them, but a month later they issued this invoice again. I am a XXXX patient and XXXX XXXX XXXX person. They're just kidding me. Every experience I have is very costly as the pressure will rise. All my medical bills were paid by " XXXX ''. Please help me figure it out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Resurgent Capital Services L.P.
State: GA
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 been disputing the validity of these accounts for a while. Please review the attached documentation and remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with XXXX XXXX and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to XXXX XXXX. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to XXXX XXXX. No action has been taken by XXXX XXXX to resolve the issue. XXXX XXXX has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by XXXX XXXX on XXXX XXXX, XXXX, the second was sent out and received XXXX XXXX, XXXX. XXXX XXXX has provided me with account statements from the original creditor, XXXX XXXX  stating that the accounts are mine however no such document bares my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: NAVY FEDERAL CREDIT UNION
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 SPOKE WITH A REPRESENTIVE AT NAVY FEDERAL CREDIT UNION ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE 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 2021-06-11
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes containing errors and inaccurate reporting information on my credit file that has been hurting my credit due to the incorrect inconsistencies experian is reporting on my credit file. 
Every time I submit a dispute they verify the information with their vendor and DO NOT EVER send me the method of verification as requested and they dont update the file as requested they just state that the information is verified or the information remains unchanged and they are supposed to verify information per the 15 USC 16a they are required to complete accurate investigations through several methods that dont include using their vendors.

There are several incorrect items with this account reporting and they have failed to verify this account information accurately. I have given them time after time to get this account correct and they have failed.

They dont even report the correct account number! After they stated it was updated. I have submitted photos of the disputes and the account as it reports with the errors still reporting on this account after four disputes!

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have requested to have a protected consumer freeze placed on my daughters credit report three times over the past year. Why will they not do this? I have provided all the requested information and mailed in all the necessary forms. How many more times do I need to request this before they will just place the freeze on her account? 

Please help me to have the freeze placed on my daughters account. I can be reached at XXXX. 

Thanks, 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 2022-04-06
Company: Experian Information Solutions Inc.
State: IA
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:
According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.

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 2022-04-06
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX says I owe them {$230.00} in XX/XX/2021 and its I C System that is the debt collector. I have never had XXXX services in my life and live in an area where its not even possible to have XXXX. This is the second time this has happened to me and the first time I disputed it and they removed it but a few months later they did it again.

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 2017-10-03
Company: ALTERRA GROUP, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX I received an alert that on my Equifax report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want Equifax to remove this immediately. 

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Brelvis Consulting, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.

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 2017-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NJ
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 had some unauthorized or fraudulent inquires that have been place on my EQUIFAX credit report without my consent or signature Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX I have done contact EQUIFAX in multiple times for several months regarding those 3 inquires and they never do nothing about it. I have sent multiple police reports, FTC reports and disputes but EQUIFAX refuses to remove those inquires from my credit report. I even tried to call in in talk to a couple representatives or Supervisors from EQUIFAX and each time i am asking to do a human investigation concerning those alleged inquires they would hung up the phone on me. Which is a violation of my CONSTITUTION FEDERAL RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in 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 2022-04-06
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payoff of mortgage provided by bsi on XXXX I paid off the mortgage on XX/XX/2021 to avoid foreclosure. Was told by employee which is included in supporting document that the payoff was short by XXXX. Due to home going all the way into foreclosure. That this number was not included in the payoff. 



Why would I reinstate a loan that is being paid off! I am fine with paying the XXXX due to the home going into foreclosure to pay for your attorneys even though and because your company provided an internal document that showed XXXX. The document attached is not an internal document and it says XXXX Now you are telling me the loan payoff is over XXXX. How does that happen! This loan should have never been reinstated Please review documents from your employee and payoff provided by your company.

Company response to consumer: Closed with explanation