BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, I am writing in regards to XXXX XXXX XXXX/Loancare, LLC. 

I submitted a mortgage payment in XXXX, of which was processed and applied to the loan on XX/XX/XXXX. 

On XX/XX/XXXX, Loancare notated a " bad check reversal '' on our account. Had Loancare completed due diligence on their part, they would without a doubt realize that the issue was " inaccurate Financial Institution Information '', not a " bad check '' being processed. 

The funds were available in our account the entire month of XXXX. This was not a case of insufficient funds. 

I am including the e-mail I submitted to the Payment Research Department with Loancare. 

I ultimately would like to have the " bad check reversal '' removed from our account. I am not concerned regarding the NSF Fee they  incorrectly attached to our XXXX mortgage payment. 

Good Afternoon, A mortgage payment was made to our account on XX/XX/2020. With that being said, the routing number rather than the actual Checking Account number was utilized to make the payment which resulted in the payment being returned. This also resulted in a payment being made on the XXXX of XXXX which causes concern for a late payment to be reported on our credit report. 

In addition to the incorrect account number being used, we now have a " bad check reversal '' notation on our account. We have had an estimable payment history with XXXX. You will find that upon review of our account history, this will prove this to be factual. 

We would like to have the " bad check reversal '' to be removed from our account history as this was clearly not a characteristic of " bad check reversal '' yet a result of a aberration. 

I am attaching screenshots of the dates from XX/XX/2020 to XX/XX/2020 to verify that the mortgage payment was never drafted from our account, therefore this could not possibly result in a " bad check reversal ''. There were no returned check fees thus validating that this is not the case of a " bad check reversal '' Please review account information and notate that the mortgage payment was not drafted as a result of a routing number being used rather than an actual checking account number. 

I also attached the financial institution information on file with XXXX which will verify that the routing number for XXXX XXXX rather than the checking account number was used in error. This would result in the payment being returned due to invalid account information. 

Your assistance is greatly appreciated in this matter. Please feel free to reach out by e-mail or phone at the contact information on file with XXXX XXXX XXXX. 



Respectfully, 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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank Of America committed corporate theft by withdrawing finds from my back account for a minimum payment due when there is a XXXX  balance. 

I called the service number on the back of the card on XXXX at XXXX XXXX, XXXX, " XXXX '' justified the corporate theft by stating auto pay is set up for the account. It is, and I responded that I am looking at the auto pay parameters and it states the minimum payment will be processed, but there is no balance? I terminated the call after XXXX decided again to justify the theft committed by Bank Of America.

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 2019-08-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
One Main Financial ( formerly known as Springleaf Financial ) has conveniently terminated a loan contract ( XX/XX/XXXX) that was supposed to be covered by XXXX payments through XXXX XXXX XXXX for account # XXXX. 

All required paperwork was completed and approved by my doctor, myself and XXXX from XX/XX/XXXXthrough XX/XX/XXXX. However, I just discovered that One Main Financial has recently decided to forfeit the contract and claimed that it expired although theyre at fault and have added frivolous and erroneous fees to the account. Furthermore, they have erroneously turned over the account to a collection agency. This will result in additional fees from the collection agency, ruin my credibility and credit report. 

I attempted to discuss and resolve this issue with XXXX, One Main Financial Branch Manager, however, he refused and threatened to call the police because I asked for an explanation and informed him that I intend to sue for bad business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false 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 2020-11-18
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX  out both XXXX  and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Recovery One, LLC
State: AL
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 submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. XXXX  removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Sequium Asset Solutions, LLC
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 started or was looking to start service with XXXX/XXXX  XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

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 2019-08-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/XXXXof 2018 I started receiving Fraudulent activity on my account I let navy federal know about it they didn't do nothing to protect my account they deny my claims and then froze my account saying that I can't use for 1yr until XX/XX/XXXXof this year, so I got my Financial aid check from my school and then they basically told me that I will have to pay them 200 dollars to unlocked my account but they saying the reason why because there was a charge back of XXXX and 30.00 but they can not give me what the Institution name but I don't know why if I let u know that I have Fraudulent activity on my account I let them know I didn't make that deposit because I had to sign a Affidavit saying it wasn't me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Massachusetts Educational Financing Authority
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
When I was an XXXX student I was given a student loan from MEFA, as I lived in Massachusetts at the time. My loan ultimately ended up being serviced by XXXX in Pennsylvania. I am not sure who selected this option, but when the loan was approved for me, the repayment option selected had me start paying my loan back while in school and without the option of forebearance. In the fall of 2018 I ran into a temporary financial hardship. I applied for forbearance for my MEFA account AND another loan being serviced by XXXX. I got a letter saying my forbearance request was approved, with my account # on the letter, leading me to believe BOTH my loans serviced by XXXX were approved for forbearance. Thus, I did not make payments on these loans for 3 or 4 months. I then learned that my MEFA loan was never put into forbearance and my credit history has been negatively affected by these missed payment. I have been trying for months now to have my MEFA loan put into forbearance, for even just 3-4 months, so that I can pay back the past due balance, but to no avail. I am really struggling here and believe MEFA/XXXX  should be penalized. This is not right. I even tried consolidating these private loans with my federal loans, per the option on the XXXX website, but was not able to, despite their site saying I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: DISCOVER BANK
State: NV
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 the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. 
I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the  fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a third party company that brought the debt from old navy. The old navy credit card limit was XXXX. This information was reported to XXXX and XXXX  and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, XXXX XXXX is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is 6 years old.

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 2017-09-19
Company: Meridian ARG Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed 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 explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, XXXX and Transunion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called from this phone number XXXX and said I owed Wells Fargo {$1000.00} from 2012 provided me with my my social security number and ID number, rather than asking me for it, they already had it. They asked for my job and banking info to collect. I do not owe Wells Fargo and its not even reflected on my credit report. Theyre a scam and I dont know how they got my information

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 2020-05-18
Company: CITIBANK, N.A.
State: NY
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 customer service

Complaint:
I have two main complaints regarding Home Depot and Citibank : Home Depot CC # XXXX XXXX XXXX XXXX Canceled by me : 1. I was checking out a purchase at self help area of Home Depot in XXXX XXXX, NY. The attendant at that station came up while I was in the process. She asked if i wanted a Home Depot Credit Card ; I said no. She continued as if i did not exist, removed the credit card I was using, took information from that card, filled out forms putting the charge on a new Home Depot credit card, she said, finished the purchase, and handed me several Home Depot forms and told me I could pay for the purchase on the bill which would come to my house. Several times I told her I did not want the card. Again no response from her about my complaints. I left frustrated and annoyed but it was near XXXX 2019 and I had no time for this matter. I waited and waited for Home Depot bill or card to arrive. Didn't notice any bills or cards from Home Depot. Finally someone called asking me to pay. which brings me to complaint 2. 
2. The lady on the phone was just as obnoxious as the one in the store. She accused me of trying to get away without paying my bill. She said I had two bills and hadn't paid either one. I told her I did not receive anything from Home Depot but I was happy to pay the bill for the amount of the purchase and not for any overage charges since I did not receive any bill from Home Depot. I told her my record with credit card payments was excellent. Why didn't she believe me? She ignored me about not having received a bill, just like the lady who stuck this mess on me at home depot. I paid the amount of the " bill '' I owed for my purchased and canceled my Home Depot card. 
Since then I have tried to call Home Depot credit card complaint line but have not even been able to patch through to speak to a human person about my complaint. So, I have been reduced to making my complaint through CFPB!

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 2019-03-07
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I don't recognize this accounts, I don't have any agreements or contracts with this companies.

Company response to consumer: Closed with non-monetary relief