BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$260.00} from Creditor : XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I spoke to Navient  XXXX / XXXX / XXXX  because I am currently in a income driven plan for 12 months which ends on  XXXX / XXXX / XXXX . Was calling for an extension. My {$44000.00} taken out in  XXXX  is now {$110000.00}. I currently pay $  XXXX /month. They want to take my payment to {$480.00}, however the current payment is difficult but I am swinging it. There is no way I will be able to pay that and my  Federal Loan is coming due as well. They have no other options for me and was advised if I do not t ake that I will end up having to pay $  XXXX /month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contact the bureaus to have information updated and removed, however still appears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Ditech Financial LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX XXXX 1990 I 've purchase a mobile home and finance it thru XXXX XXXX XXXX located in XXXX XXXX XXXX for 20 years, when the loan was paid in full they were supposed to send me a tittle, never received any documents from this company, now few years later I 'm trying to sell my mobile home to find out that Greentree still as a lien holder on my property that was fully paid long time ago, After many many phone calls to Greentree ( now Ditech ) finally got some documents but they are photo copies and the lien satisfaction letter is not an official form signed by this company even though Ive faxed the form to them the DMV can not process a transfer without the original title and a lien satisfaction form, I 'm tired to called them without results, I need some help so i can transfer the property to the buyer they told me to go to the DMV that there is not issues but the DMV tell me different and in the mean time there is not solution.!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SUN LOAN COMPANY 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:
There was a report of a loan due from Sun Loan Company. The loan was taken out in Illinois and i have lived in Texas for more than 30 years. I had my identity stolen back in the year 2000, since then a lady has been using my social security number. She took out this loan as well as other credit cards she never paid back. I have her address in my credit account. A report to the IRS was made a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regarding a Wells Fargo checking account - being an accountant I actually monitor the account throughout the day so I observe in real time how debits and credits affect the account. At one point in the day, when the account had something like a {$3.00} balance, Wells Fargo allowed a {$14.00} charge to go thru then bringing the account to a negative balance. There were not enough funds to cover this charge so it should clearly have been rejected. Nope, not at Wells Fargo who revels in making their earnings thru the {$35.00} fees assessed on their accounts. By allowing the {$14.00} charge to go thru and have the account go negative, they then assessed the {$35.00} fee.

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 2018-07-26
Company: Security Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem with XXXX/Loancare servicing. 
I have a NON-escrowed mortgage for most taxes and insurances ( only flood is required to be escrowed ). This servicer received a regular COPY of the windstorm insurance bill and decided to pay it without communication with me. Added it to my escrow without my consent. Since I was not aware, I tried to pay the bill with my insurance company and was told I was fully paid. Six months later I receive an escrow analysis statement with the prior payment, resulting in a large shortage in my escrow account. They also ADDED the future renewal to my escrow account creating a further shortage and dramatically increasing my required monthly payment. I spoke to the servicer 3 times about the error. They acknowledged the error. They promised to correct the error. After a month and a half of this back and forth, they still have done nothing to correct. The increased payment was due XX/XX/XXXX. I did not pay it. I have decided to payoff the mortgage. Today is XX/XX/22. 
I requested a payoff online on XX/XX/22. My request shows on their website. It says expect in 1-2 days. I CALLED today and spoke to a representative who said a supervisor would send me a payoff within the hour. No payoff forthcoming. I have already sold securities to pay this loan off ( that is how frustrated I am ) resulting in a large capital gain expense. The " service '' from this company is unacceptable and abusive. They tell customers what they want to hear just to get them off the phone and then do nothing. Not to mention the difficulty just to get to speak to a person.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-05-27
Company: Washington Collectors Tri Cities Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My late husband 's car was impounded by XXXX XXXX XXXX XXXX. They sent us the bill and we sent them the check with full amount of XXXX. 

One year later XXXX we got another letter from Washington Collectors Tri-Cities. We called them and told them we already paid and we did not owe any money. They asked us to send them the copy of the check and the dispute letter. So we faxed them. We thought the case was settled. 

But XXXX the collection company sent us a collection letter again. So I called them and they said contacted XXXX XXXX and they said it was not the full amount. And now the original amount is XXXX. We never received the letter that the amount was XXXX. It was XXXX. They must have added the interest. So I explained the situation to a person in charge. She said she will bring up the case in the meeting next morning. We assumed that it was settled. 

My husband had a XXXX XXXX XXXX and we were under a lot of stress. And I did not responded when they sent us another collection letter we got XXXX he passed away XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Cash app is not letting me access one of my accounts someone locked me out of my account and they are dening me access to my funds that are on my name I tried today to fix this with them and they will not fix it I want my funds out of there over XXXX XXXX in that account my ss is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with Mr. Cooper on XX/XX/XXXX. As of this date ( five months later ) XX/XX/XXXX I have not received my release of lien document. After several inquiring phone calls no one has been able to tell me anything definitive regarding when I will receive my release of lien document. I have also filed a legal complaint with Mr. Cooper Customer Relations Department in hopes that with an internal investigation this situation will be resolved. I have not heard back from this department either. Other than to tell me they have received my complaint on XX/XX/XXXX. 

The name of the Mortgage Company is : Mr. Cooper Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have called to inquire about the Release of Lien the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Although I have been treated courteously by the Reps that I have spoken to and communicated with not one has been able to resolve this issue. That is why I contacted my attorney and he suggested that I file a complaint. 

I am hoping this can/will help to resolve this frustrating unnecessary situation. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Professional Credit Management , Inc., was listed as the debt collector for an amount of { {$340.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you! move from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-09-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from providing a home for my family.

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 2022-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received 12 phone calls from a # while I was at work on XX/XX/XXXX. The final call I answered after I got home. The person described themselves as WellsFargo questioning a charge on my acct for {$110.00}. Asked if I accept or decline this charge. During this time I checked the back of my debit card and the number calling matched the one on my debit card. So i figured it was XXXX. They asked for my pin I felt comfortable because I thought it was customer service. They said I'm going to send you a 6 digit code read it back. I did. He said ok. I asked what this charge was for he asked if I had XXXX pay. I did not. I asked why my acct was on XXXX pay he had no idea but said to watch my bank acct and if i see any questionable charges I can file a claim. I though this weird they wouldn't freeze my acct but said no need because no money was actually taken. 2 days later I noticed an email from the bank saying my password was changed. I was unable to log in immediately ingot another email stating my balance went from {$1600.00} to {$1.00}. And a 3rd email saying I made a travel plan. I was looking back and saw an email saying my debit card was added to XXXX pay. Which I did not do. I immediately called wellsfargo the same number on my card they filed a fraud claim for me. Asked if I had given anyone my card or pin. I said no I explained what happened two days before. They said I was scammed. It was not them calling. I sent all the emails and calls screen shots to wells Fargo. They have denied the claim x2 stating that if it was fraud the person would have overdrawn my acct they didn't k ow how much money I had. I tried to explain that they did know because they changed my password on my bank acct and could see how much was in there. They made 2 purchases at the XXXX XXXX. Totalling just over {$1200.00}. I have been on the branch and filed a claim and appealed the denial they keep saying there is no evidence of fraud because the acct was not over drawn that someone had access to the balance. I explained they changed my password and could see what I had so of course it wasn't overdrawn they knew. I swear I did not make these purchased I own an android not an apple phone. I have tried everything to get my money back the bank keeps saying there was no fraud. Despite someone calling me 12 times from a fake XXXX customer service number. Please feel free to call cell with any questions. XXXX. Please help me. I am a healthcare worker struggling to pay my bills they took my whole paycheck and I have bills to pay. They won't work or listen to me. My hair dressers mom had the same thing happen fake call they instantly returned her money. So why am I having so much trouble fighting for what's mine?

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