BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: ZWICKER & ASSOCIATES
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: Account information incorrect

Complaint:
Ive paid XXXX by XXXX XXXX Bank XXXX for a loan amount that I owed. The bank hired zwicker and associates pc to collect the damn. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both Zwicker and XXXX by XXXX XXXX and they have both been no help. I have a paid off balance letter from Zwicker and XXXX XXXX XXXX XXXX says they do not have it and I still owe the balance. The XXXX companies will not speak to each other as Ive tried everything as a consumer to get this fixed. XXXX has no way of contacting Zwicker to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am purchasing a construction home. I was advised by the builder I had to use one of their preferred lenders in order to qualify for the XXXX closing cost incentive. So I did just that & I applied with the company loan depot. I was referred to work with XXXX XXXX which was a loan officer who worked with the NC 3 % down program which is what I was using for my down payment. He took my application & never disclosed any fees associated with doing this program with his company. He later ran credit and sent out the loan disclosures ( LE ) Once the disclosures were received I notice the 1 % origination charge. I called the loan officer to get an explanation for the fee. I was then told by the loan officer that it was a fee that XXXX charges for doing the bond program. I felt like that did n't sound right so I contacted my rep with XXXX to confirm this. She advised that was not true, In fact the fee was not a XXXX  fee, but yet a Loan depot fee they charge because of the amount of money they make on the XXXX bond loans are less to none they charge the 1 % origination fee to the customer to try to make up for some of the loss. I asked XXXX to waive the fee since was it never disclosed or explained and he declined. I then found another company willing to do the loan without the fee however I asked that XXXX provide a letter/email saying that it was okay to work with another lender so that I may provide to my builder and they allow me to still get the XXXX incentive for closing. XXXX forwarded me to his manager XXXX XXXX. I missed XXXX 's phone call & decided to call him back. Soon as I got on the phone I realized very quickly how terrible XXXX 's attitude was. He began speaking over me and belittling me. He made comments referring to me a " charity case '' because of me having to use the XXXX program to get my home. He also informed me that I had a listening problem several times. I asked him would he provide the letter/email that I previously asked for from XXXX & he laughed and said " No, I not giving you anything '' The phone call started to become very disrespectful and he went on to tell me there was basically nothing I could do about it because they do n't record their phone calls. I did let him know I would be moving forward with complaints to let people know how horrible I had been treated while attempting to work with this 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 2017-10-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is Regarding XXXX XXXX Student loan borrowed for my daughter and I Cosigned. Loan amount of {$26000.00} borrowed on XXXX/XXXX/XXXX to the renowned Education institute XXXX. My daughter graduated successfully with GPA of XXXX with Dual degree ( XXXX XXXX Program ) with her hardship and managed to get a job in XXXX XXXX XXXX. As a reward to her hardship, we borrowed money from our relatives and paid off the principal with the agreement of payment in monthly. but I am getting charged from XXXX XXXX the interest of {$6100.00} for the past 3 years however i have paid {$25.00} per monthly towards interest. My daughter have written a letter to XXXX to forgive the Interest on the Loan as the principal has been paid. She already has Loans from XXXX XXXX, started paying monthly. But XXXX communicated through AES that it is denied. An entry level employer making $ XXXX in XXXX XXXX XXXX, Living in XXXX paying for 3 different loans and in addition to honor the exorbitant interest charged by XXXX is unfair and atrocious. It is practically impossible to live by paying for 3 loans, paying Rent, food and other expenditure with that money. We are ordinary middle class people did n't have enough savings ( hence borrowed in the first place ) are being sucked into these programs to keep up the value of education from renowned institution. We are being ripped off by XXXX ( Via AES ). so, Beware of Private Student loans from XXXX, it is not trustable and they do n't value your honesty, integrity or hardship. All they want is suck your blood to death no human consideration or fairness. Loan Program : XXXX, current interest rate is 9.320 % ( Really?? from a novice young student who wants to graduate and start their life )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a consumer I recieved a copy of my credit report, with reviewing my credit report I have notuce that LVNV have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase that turned out to be from a fraudulent seller, Truist is refusing to re-open the claim because it " timed out '' as I never received their mail. They never notified me the claim was being closed, or that the merchant responded to their request for information. Instead of a kids 400+lb playset, we received a pair of fake sunglasses, but nobody along the way reviewed the tracking information to see that what was sent was not what was ordered and the seller will not respond of course as they are fraudulent. Multiple times I've been told by Truist, over the course of a few months, that I would be getting a call back from their supervisors, but the calls never come.

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 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Never received a bill for my amount due. Contacted Kohls and paid the balance and requested paper statements. Kohls filed a bad report on my credit report and it brought my credit score down almost 80 points. I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I opened a bank account online on XX/XX/XXXX and I put money on it. 5 days after the account was locked. The bank didn't even notice me of anything. I called BA, a representative told me that I had to go to an agency during the pandemic to show my ID. When I got there a representative told me that my account was actually canceled and they issued me a check with my funds, that I will receive in about 5 business days. It s not what the representative told me on the phone before. I noticed that I also registered '' my new bank account '' to receive the money from the IRS. I said that to the representative at the bank, he really didn't care. He just told me that I could open a new bank account with them and let me understood that otherwise, I could leave right away. As he was impolite and rude, I said no and I left. As a result, all my money was on hold during the pandemic, just when I lost my job. About 6 business days after, the check was not in my mailbox. I called BA, one more time, to talk to a supervisor. I explained to her all the situation, especially that I needed my money asap. She just said '' you should have received it, you have to wait again it is our process ''. The check will be sent back to us in case there was a problem with the post office. She didn't even say sorry neither tried to find any solutions. She was like a robot reading some lines. I noticed, that I mentioned to all the employees that I lost my job during the pandemic, but it didn't matter to them. Today, I have to wait to receive my money, I can't pay my insurance and my rent this month. I don't even know if I will get my money one day It is the worst experience I ever had with a bank in the US. Usually, representatives are professional and try to find solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. 
.I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. 
The breakdown they sent me reads as follows. 
" principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. 
This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. 
This exact statement was sent to me today via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX a deduction of {$4800.00} was taken and paid out of our escrow account to pay property taxes for an incorrect Parcel # located in a completely different county. 
Our property taxes {$3300.00} have not been paid and a 10 % late fee has been added. 
To date XX/XX/XXXX, Funds have not been put back into our escrow account and our taxes have yet to be paid. 
We have received an escrow account analysis which is incorrect based on our account reflecting we have a {$9700.00} property tax bill yearly, which has now caused our mortgage to increase from {$1500.00} to {$2400.00} starting XX/XX/XXXX. 
Our money has been mismanaged!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: F.H. Cann & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Fenton & McGarvey Law Firm, P.S.C.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief