BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from Convergent Outsourcing with a XXXX account number XXXX statement bill attached, under federal regulations this does not qualify as a " valid verification of debt ". 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX  on the debt collection claim before he had mailed XXXX  the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX  maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX  stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2020-07-23
Company: Experian Information Solutions 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:
Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..

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 2020-07-07
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX of 2019 XXXX was debited from my checking account after services were cancelled. This was communicated as " final amount owed '' to cancel service. I paid and went to new company. I then received a bill for another amount. I disputed the {$120.00} with my bank and they deemed the amount to be correct and agreed after speaking with XXXX. On XX/XX/2019 a charge for XXXX was debited from my bank account to correct dispute and deemed resolved with XXXX and myself, XXXX XXXX. 
since XX/XX/2019, I have received this same debt on my credit, first from XXXX XXXX and then now most currently sunrise credit. This debt has been fulfilled, services were cancelled in summer or 2019 and new service was acquired with different cell provider. 
this debt continues to harm my credit and money was taken from account and paid directly to XXXX, I can not get a hold of anyone at XXXX  that knows what to do and how to resolve and have proof amount was paid out of my checking account to creditor. Amount has changed from {$120.00} to {$120.00} to now {$130.00} for " fees '' associated.

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 2018-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
My credit card number was used for several online purchases without my authorization. Here is the summary : XX/XX/2018 XXXX/Bill XXXX Ca - {$28.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$6.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$22.00} XX/XX/2018 XXXX XXXX XXXX XXXX Ca XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$9.00} I attempted to dispute this with 5/3 bank They closed the account, but then transferred these balances to my new credit card account. I had to call them three times to get a dispute started and even now I am not sure that they are investigating them. They indicated that they would look at them within the next 90 days, but that I would still have to pay interest on the purchases and that they might not issue a credit for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by TransUnion as of this date, XXXX-17.

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 2021-07-01
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the company name XXXX XXXX XXXX calling themselves the debt collector for my Amex accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named XXXX calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for depression,  anxiety and threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Mam ; LoanCare LLC/XXXX XXXX took over my mortgage in the fall of XXXX, they have failed to process my payments as expected. The only unique factor in my case is that I have my mortgage paid ahead by 3 months. Under my previous loan processor, XXXX XXXX, this was never an issue. I have to call or write nearly each an every month to have my payment applied correctly. 
I have written multiple letters to the company management and they have failed to correct the processing. 

02/02-Letter to XXXX XXXX - President CEO XXXX XXXX XXXXReply from Corporate Council - XXXX XXXX XXXX. -Said that LoanCare LLC handles all the Mortgage Contracts. Instructed LoanCare LLC to provide a Substantive Response. 
XX/XX/XXXX Letter to XXXX XXXX due to No Response being received within 30 days of the letter from the Corporate Council. 
XX/XX/XXXX Reply - Canned - Notice of Error Acknowledgement. 
XX/XX/XXXX Reply from XXXX XXXX That LoanCare Doesn't Receive instructions from my financial institution. 
XX/XX/XXXX Called my financial Institution<XXXX> - since this is an electronic AFT? transfer its not possible to include instructions. Note I used this same financial institution with my previous loan services with no issues. 
XX/XX/XXXX Letter to XXXX XXXX again regarding same issue. 
XX/XX/XXXX Reply from XXXX XXXX my only options is to Call in /write each month. 
XX/XX/XXXX Payment Mis applied Again XX/XX/XXXX Called customer contact number. Said they would call back. 
XX/XX/XXXX Initiated a customer correction through their online portal to have the payment applied. 
XX/XX/XXXX XXXX payment appears to be applied correctly. 
XX/XX/XXXX correction made to XXXX payment XX/XX/XXXX XXXX made changes to the loan care bill pay - the payee name is now - Loan Care, LLC -  Monthly Payment and a 2nd bill payee called LoanCare Principal Payment only. 
XX/XX/XXXX XXXX Payment misapplied. 

Loan Care has continually failed to process my payments, I will not use their automatic payment feature. 
I have worked with my bank though the bill pay to re name the Payees to indicate - Payment and Principle Payments. 
I pay my mortgage in advance because that is how I want to do it. 
Attached are the corresponsdance.

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Theres an apartment community showing as a collection on my credit report with XXXX  by the name of XXXX XXXX and creditor by the name of XXXX XXXX  which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my transunion report which I have disputed ... I have never lived at any of these apartments ...

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 2018-09-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
chase will continue to lie to avoid dealing with the fraud and illegally claiming duplicates they know XXXX XXXX scammed me but he knows inside people and are getting help to avoid being held responsible for the mortgage fraud he committed against me. please reveal to all parties involved the mortgage fraud. i received a call from mr. XXXX of the cfpb this week. he said that on XX/XX/2018 XXXX XXXX confirmed the mortgage fraud on my complaint and it are being mailed to me. chase please confirm it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My Trans union credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2020 I sent a dispute to Experian informing them that public records Bankruptcy being shown has the incorrect docket number across all 3 bureaus and they need to verify this information per FCRA with the original creditor they never sent me the information on how they verified this public records AT ALL. They continue to report inaccurate information that is not associated with me. Highlighted in RED is all the inconsistencies and all errors on my report and they continue to do this without any regard to WHAT PUNITIVE DAMAGES THIS IS CAUSING ; therefore this is my final step and after this I will be filing a complaint with the attorney general and SMALL CLAIMS with the courts for lawsuit. Attached is proof of the dispute and the errors that continue to be reported and them NOT CLEARLY VERIFYING THIS WITH THE ORIGINAL CREDIT ( THE COURTS ) If they are verifying this with the courts I would like to know the name of the person from the RECORDER OF DEEDS they spoke with court number.

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 2019-02-23
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mariner Fiance Has Called Multiple Times A Day Demandinf Debt Collection Threating A Lawsuit And Threatened Seizing My Property. CALLING EX WIFE, FIANCE AND EVEN CALLING FROM THEIR PERSONAL PHONES, they refused to provide correct interest rate and the original paperwork doesn't match and they refuse to provide proper paperwork

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 2021-07-01
Company: CITIBANK, N.A.
State: NY
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:
My communication is in regards to the Macys account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account 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 2020-07-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions, my wife and I have been contacted by representatives at Navient attempting to collect a debt for two other persons bearing our last name. We do not know the consumers Navient is attempting to contact, but the callers are attempting to reach them through us. There are no searchable records online that tie my phone number or that of my wife to any other XXXX, leading me to believe Navient and its personnel are using data broker tools such as TLO or CLEAR and making desperate links between me and the consumers with my last name. 

The most recent caller only identified himself by first name, XXXX. He further stated he was looking for the two people I noted above, believing I was a " possible '' relative. The transcript follows : " Good afternoon, this message is intended for XXXX XXXX. My name is XXXX. Today is the XXXX of XXXX. The reason I'm calling today, XXXX, I'm trying to reach XXXX and XXXX XXXX, possible relatives of yours. We're having some difficulty reaching each of them, hoping you might be able to help us out. Maybe there's another number we should be attempting to to reach them at that you could make us aware of. Maybe you have a way to get them a message or know of anyone who could. Once again, my name is XXXX, I'm calling from Navient, formerly Sallie Mae, trying to reach XXXX and XXXX XXXX. Any assistance or feedback you could provide would be greatly appreciated. XXXX. XXXX from Navient, trying to reach XXXX and XXXX XXXX. XXXX. Thank you. '' The employee XXXX, no last name, is in violation of the Fair Debt Collection Practices Act, 15 U.SXXXX Code 1692b, paragraphs ( 1 ) and ( 2 ), in that he : ( a ) furnished the name of his employer, Navient, without expressly being asked for it, and ( b ) stated the full names of two debtors in conjunction with the employer name which discloses that they owe a debt.

Further, taken together, this action also violates FDCPA, 15 U.S. Code 1692c ( b ), in that the debtors could not have granted permission to Navient to speak with me being that they do not know me.

Company response to consumer: Closed with explanation