BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.

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 2019-10-30
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. 

On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. 

We called back on XX/XX/XXXX and spoke with XXXX at US Bank  and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.

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 2020-05-27
Company: Dovenmuehle Mortgage, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX While going through a refinance process with another lender, we were made aware that the legal description in our current mortgage- Dovenmuehle paperwork is incorrect. The legal description and parcel # linked to our mortgage documents do not pertain to our property at all. This incorrect legal description is filed with our county courthouse. Until this legal description is corrected, we are unable to refinance our home with any other mortgage company. 

XXXX XXXX A certified letter and documents outlining correction to be made was sent to mortgage company. A representative for the special loans department called and assured the error would corrected immediately. 

XXXX XXXX XXXX Multiple phone calls were made with no answer, left voicemails, with no return calls. The calls that were answered were operators that directed me to the special loans department. This is the only department that can " help me '' but they are always unavailable or closed. 

XXXX XXXX Sent an email to Dovenmeuhle special loans email address given requesting a return call and update on correction process. Still no answer. 

I am unable to EVER refinance my home or sell my home until that legal description is corrected. Per the other mortgage company, no company will ever approve a new loan until the legal description is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied in XXXX for a XXXX discharge from XXXX ; I was approved in XX/XX/XXXX. Kentucky Higher Education Assistance Authority, received my loans from XXXX, who in turn received them from XXXX XXXX. XXXX has sent Kentucky Higher Education Assistance Authority, two letters requesting that they update the XXXX XXXX XXXX XXXX, as to the status and amounts of my loan ; they refused to send the information. I have contacted Kentucky for the last two weeks letting them know my information has changed and asking them to update the database. I found the attached letter, showing Kentucky contacted me in XX/XX/XXXX and XX/XX/XXXX, about the same loans in question. But when I contacted them today ( XX/XX/XXXX ) and yesterday, I was told they no longer have my loans, and the loans were transferred to XXXX XXXX XXXX in XX/XX/XXXX. How could they be transferred in XX/XX/XXXX, when they contacted me about the defaulted loans in XX/XX/XXXX?  Kentucky did change my information, as the letter shows but they are refusing to update the database under my old social security number ( XXXX ) and my new one ( XXXX ). I sent them the court papers, divorce papers, new driver 's license, and social security card, but they refuse to update the database under both socials ; they said legal department and supervisor told them they did not have to, since my loan has not been with them since XX/XX/XXXX. But that is not true, since the letter proves they contacted me in XX/XX/XXXX about the default loans. Kentucky is the last company, that XXXX need to get the loans from, so they can discharge my loans ; Kentucky is preventing my loans from being discharged. And if my loans are not discharged, they will come back on me and I am a XXXX Veteran who can not pay these loans. Kentucky is deliberately not updating the NSLD system to keep my loans from being discharged! They are being very difficult!! Kentucky 's representative told me the loans were consolidated in XX/XX/XXXX by XXXX XXXX XXXX, and I contacted them and they are trying to find the loans. But they have nothing to do with Kentucky updating the database to show who the loans were transferred to ; they need to show the status of the loans with them - that they no longer have them and show what happened to them. But they are refusing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Legacy Funding Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon reviewing my XXXX  credit report In XXXX of XXXX, seeking a home mortgage, I discovered false and inaccurate information furnished by Legacy Funding Corporation. The information furnished by Legacy to XXXX indicates that I opened an account associated with an auto loan on XX/XX/XXXX, last made a payment on XX/XX/XXXX, had a monthly payment obligation of {$340.00}, and has a balance of {$10000.00}. Please note that it is unknown to me whether Legacy has provided similar information to other credit bureaus, including XXXX and XXXX. However, the alleged debt actually relates to an auto loan taken out in XXXX to purchase a XXXX XXXX XXXX. I ceased making payments on that loan in XXXX or XXXX because the car had been in a previous accident unknown to me making the entire frame crooked. I told them to come and take the car and it was repossessed. Thus, I did not open any account with Legacy in XXXX and certainly did not make any payments to Legacy between XXXX and XXXX XXXX. Moreover, given the time that has passed, any alleged debt is barred as being far beyond any applicable statute of limitations. 

A demand letter that Legacy conduct and complete a reasonable investigation within thirty ( 30 ) days as required by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ) was sent on XX/XX/XXXX asking them to promptly correct such information with all credit bureaus to which my debt information was provided. 15 U.S.C. 1681s-2 ( a ) ( 2 ). Instead Legacy wrote the debt off but it still appears on my credit report and such has sullied my credit in the amount of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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:
I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2022-08-25
Company: Experian Information Solutions Inc.
State: TN
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:
I submitted a request to verify public reports on the below dates. They came back unchanged/remain. I check with their source XXXX XXXX and nothing is reporting to them for a public report. Experian will not confirm where they are getting this information to report in the public report. They refuse to put in dispute again even with a copy of the report from XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2019-03-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted me multiple times for a debt I settled with a previous collection agency. Also contacted my mother more than once without her permission to contact her after the first time. They were sending mail to the wrong address due to a typo on their end so now other individuals have access to my information. After making sure this was a debt I took care of I called back to question why myself and my mother have been receiving calls from them on something settled and they wanted me to confirm my social security number. Knowing of all the scams that take place with this kind of stuff I was uncomfortable confirming my information. I told them that was not needed they just needed to stop contacting me and especially my mother because she did not give them permission and that was against the FCRA. The lady on the phone hung up on me after I said that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/18 XXXX XXXX called one of my references and informed them i am behind in my payments and disclosed how much i owe them. The reference they called was a family member that had no right to know how much i owed or inform them of what type of loan i had with them.

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 2021-11-02
Company: Experian Information Solutions 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:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

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 2021-03-26
Company: Bread Financial 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: Account status incorrect

Complaint:
Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, XXXX show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with XXXX and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2018-04-11
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a follow up to complaint # XXXX. 

In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. 

BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. 

This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. 

I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
they called at XXXX and left a voicemail stating that I refuse to take care of this issue and it has been escalated to my desk in which you or your attorney need to contact me by today or adverse actions will take place. 

when I called back they refused to give me any information other than demanding my full name, SSN and address instead of looking up by phone number to tell me what it was about. They are very rude. 

Im not ignoring, we hit hard times with XXXX kids. Im just now in a position to try to take care of it and I plan on doing so. 

they are very rude, very threatening.

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 2018-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, my debit card was in my wallet at work with me. However, XXXX transactions at a XXXX XXXX in a town XXXX minutes from me, for a total amount of slightly less than {$830.00} went through on my account. Obviously they were not me considering I was at work. I filed a fraud case with Chase Bank. I was given provisional credit that day ; however, XXXX weeks later the charges were reversed. I called in and asked for information on the reversal. They stated that because it was a pin based transaction on a chip card that they had to deny the claim. I requested that the claim be reopened and I submitted documentation from my boss that I was at work at the time of those transactions occurring along with a written statement that I did not conduct those transactions. They denied my claim for a second time following the reopen. I again called in and requested to speak to a XXXX. I got XXXX in their escalation team of which ended up being helpful. She reopened the case due to the fact that it was reported that I stated the XXXX transactions were correct. She submitted the " new '' information after listening to the initial phone call. Yet, it was still denied. They are asking me to reach out to XXXX XXXX to get information on who conducted the transaction and what it consisted of, despite the fact that, that is their job. It has been an entire month since this first occurred and I still do not have my money back and they are still refusing to help me in the slightest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my second attempt to correct the issues with this organization. 

XXXX XXXX XXXX will respond to anything from the cfpb almost immediately, which is why I am using this form of complaint once again. 

XXXX XXXX XXXX has misreported for over 90 days on my Transunion report egregiously. 

According to my findings, XXXX XXXX has not reported payments for XXXX, XXXX, and XXXX of 2018. 

Since this is beyond the 90 day period for reporting as stated by the FCRA, I am seeking a goodwill adjustment from this company to remove the repossession remark on all XXXX major credit reporting agencies. 

You can see my findings in the attached images below. 

I have tried contacting XXXX XXXX since this problem started only to have them ignore my requests for updating. 

Thank you, XXXX 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 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.

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 2019-08-12
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: Information belongs to someone else

Complaint:
Incorrect information reporting on my credit report

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