BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2016 I purchased a 50 week timeshare for {$13000.00}. I had 25 years to use it. I paid approximately {$3500.00} down and had a loan of about {$250.00} a month. I paid that {$250.00} for about 2 to 2.5 years. I went thru a divorce and couldnt afford it. 

I understand I had a loan. What I dont understand is Ive paid {$9000.00} and recieved essentially nothing except a right to use something I havent used. 

In addition to that the original creditor had it transferred to collections and the collection company is adding to the total each month. The balance is now {$9000.00} on my credit report. 

I believe Ive already paid {$9000.00}. In my view they got {$9000.00} free, giving nothing. 

Hypothetically would I even receive the 50 weeks if I do pay it off. I dont believe that the case. I feel this is unfair. Im ok walking away from the {$9000.00} paid. And getting nothing in return. Id like the item removed and blocked from my credit report and these tactics investigated

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 2018-10-27
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2018-10-25
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
The company put a garnishment on my payroll.I wasnt informed about it until two days before.Legally I have a right to revoke the garnishment, but the garnishment department is telling me othereise. The garnishment started XX/XX/2018..I got letter in mail on the XXXX ... I didn't sign a garnishment wage form..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Resurgent Capital Services L.P.
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:
LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them. 

I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC? 

I have never received any sum of money nor any merchandise from this company! 

I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? 

There is no legal contract that is binding me to LVNV Funding LLC. 

I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents. 

I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.

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 2018-02-24
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/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 2018-10-25
Company: Experian Information Solutions Inc.
State: HI
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 disputed the late payments on thisXXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-06-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Other XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) Account # XXXX Date Opened : XXXX Balance XXXX Other CREDIT COLLECTION SERV ( Original Creditor : 06 XXXX XXXXXXXX XXXX ) Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX  Account # XXXX Date Opened : XXXX Balance XXXX Mobile XXXX XXXX Date Opened : XXXX Balance : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

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 2020-07-01
Company: Nelnet, 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Trying to cancel a loan but customer service wont allow me too. So I emailed them and I still have yet to receive a response. The information in the loan agreement is false. The contact email address doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-10-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account. 

Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We got line of credit with TCF thru mortgage broker. We had no idea the terms of the line of credit are really bad. we were in tough spot and had no time to shop as we were going to loose the house. This HELOC is with variable interest rate with interest rate payments only for 10 years! Have not been able to communicate or have not had any success with TCF to  modify the terms of the loan. the payment changes every month and no principal is being paid down. We will be forced to file for bankruptcy and ask the courts to discharge the HELOC if we dont come to agreeable terms with fixed rate and principal pay down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: GA
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:
These accounts were opened from someone stealing my identity. I have notified Equifax and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX & XXXX main these should be deleted as well. Thank you for helping me get this matter taken care of. 
I submitted this request on XX/XX/20 complaint XXXX & recieved a response that they believed that it was not me that sent the complaint. I am sending this complaint again in hopes of having these accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
None of my current loans are showing up on my credit report with EQUIFAX only. The other two agencies are accurate. I called my mortgage and auto loan company and they both confirmed they are reporting to all three agencies. 

When I call Equifax located in the XXXX, I have a hard time understanding or hearing them and I am not sure they understand what I am asking them to do. They were so focused on the security questions, we did not spend much time addressing the problem. For example, they kept asking me about an AUTO loan which I explained YES, I have a current AUTO loan with XXXX XXXX. They asked about about another AUTO loan and I explained, I did not have any other auto loans. I then asked, could you be referencing a MOTORCYCLE loan? They would not answer me. I had a MOTORCYCLE LOAN with XXXX over 10 years ago. Once I was able to actually get my report and use it to answer the questions, I was able to answer the questions successfully. 

Again, they went back over 10 years- no way I can remember credit cards and balances from 10 years ago! Not a fair or good process to confirm identity. I ended up having to send my drivers license, social security card and passport via fax and they still gave me a hard time with security questions but never addressed why nothing was updated on my account since 6 years ago. They were clueless and not helpful at all. I spoke with 5 different people yesterday and today and hence I won't likely be getting refinanced anytime soon without my EQUIFAX report being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan servicer AES will not follow up with the lender XXXX  ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received notification of a derogatory error on my credit report from COI. Covergent Outsourcing INC. I have no knowledge of company and I have never signed a contract with this company.

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 2018-10-25
Company: Navient Solutions, LLC.
State: FL
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 have had my loans since XXXX. Started with a balance of approximately {$30000.00}. It is now XXXX and I owe over {$32000.00}. I have paid them different payment amounts each year, 4-5 years anywhere between {$36.00} - {$120.00} since it varies due to their plan and my income. How am I ever going to pay them off if out of this entire time and I can't seem to ever lower this balance. Instead it continues to increase rather than decrease!! This is a total scam these people have and someone needs to do something about it!!! 
Nobody there seems to be able to give me a logical explanation as to why the balance has not gone down at all.

Company response to consumer: Closed with explanation