BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page  attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2020-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates is trying to collect on a debt. However, they never sent me information to challenge the debt when they bought the debt allegedly from XXXX XXXX. I have sent multiple requests for validation on the debt and they have not responded with proper documentation that they have a right to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SHERIFF SALE THIS TUESDAY - XXXX/XXXX/15 Bank FraudHI. I filled out documentation for a loan modification on XXXX XXXX, 2015 for a {$900000.00} mortgage. Our situation has changed and we have enough funds to pay the monthly mortgage. 
All documentation that Wells, Fargo Home Mortgage required was submitted. 
I received a call XXXX weeks ago that I was denied the loan because our mortgage was over {$720000.00}. This is ridiculous because Wells, Fargo knew the loan was over {$900000.00} back XX/XX/XXXX. 
I called and spoke to XXXX XXXX who said that this was not the reason for the denial. She stated that we were denied because I did not produce a profit and loss statement for my real estate company. I told her that I do not have a real estate company and why was this not communicated to me? In addition, I asked her why I got a call last week that my loan was denied due to it being over {$720000.00}. 
She said that was incorrect and I was grandfathered due to some regulatory change in XXXX, 2015 ( I looked this up on the internet and could not find a " regulatory change ''. Then, I received a letter from XXXX XXXX stating that I could do the modification documentation, but " it is to late due to a sheriff sale on XXXX XXXX ). 
I extended the sheriff sale to XXXX. I then got a call from XXXX XXXX ( XXXX ext, XXXX XXXX last Thursday. He said he is investigating the whole situation and knows the sheriff sale is XXXX. How can he possibly investigate this by Tuesday? We need to postpone the sale which takes a call to his attorney XXXX 5 minutes ). I got a letter in the mail last night dated XXXX/XXXX/15 from XXXX XXXX. 
She is reminding me again about the sheriff sale on XXXX/XXXX/15 and says she would be happy to look into the matter but is it to late. 
Please help ASAP. The whole situation above is FRAUD. I was denied for reasons that are not correct. Time is of the essence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Student loans From Great Lakes and XXXX Are all has been forgiven so its XXXX   and as a good cause please I wish to disputed and please have removed from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Bonneville Billing and Collections
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. XXXX XXXX XXXX XXXX represented Calvary in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
convergent outsourcing sent me a bill for a past due amount of XXXX for a XXXX account # XXXX and offered me a settlement for XXXX I email them and told them I was disputing the account as I have not had a XXXX account in over five years also I called them and told them to crease contracting me as XXXX cancel my services because their cell phone was not working and I sent the cell phone back to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of XXXX because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of TRANSUNION, XXXX, XXXX have aided this fraud by not properly verifying these accounts. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently 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 non-monetary relief
Consumer complaint received 2017-05-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I visited XXXX XXXX XXXX in XXXX XXXX, GA. I was XXXX at the time and now I am XXXX, my mom signed a form with them that she was liable and was consenting for the treatment since I was a minor. I have contacted XXXX XXXX XXXX and they have confirmed with me that since I was a minor the debt will be dropped. On XX/XX/XXXX I.C. System INC opened a collection account for the bill from XXXX and did not notify me. On XXXX XXXX I found about about this account when they filed on my credit report, the amount is {$650.00}. I have called them and they have told me it does not matter that I was a minor i still have to pay the bill or they will garnish my wages and take me to court and needed my Mothers name so they can take her to court also and now refuse to speak to me when I call. I am confused as why I am just now learning about a debt from XXXX especially when i was a minor and now its XXXX. According to XXXX XXXX XXXX the bill should have been dropped when I was XXXX or assigned to my mother but I am not legally reliable for it. I live in Georgia.

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 2022-02-23
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting late payments on my credit report that are not late and violated the ( CARES ) Act forbearance program regulations it states that NO LATE PAYMENTS are to be reported to the credit bureaus during the time of Covid 's ( CARES ) Act forbearance period. 

I have listed the accounts with the late payments on my report that should not be reporting late especially if payment arrangements has been made. Failure to comply is a direct violation of FCRA section 623, 15 U.S.C 1681s-2 ; 12 CFR part 1022 subpart E. 

" If my account is current and I make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is REQUIRED to report to credit reporting companies that I am CURRENT ON MY LOAN OR ACCOUNT. 

These accounts LATE PAYMENTS needs to be update to CURRENT that were reporting during the pandemic : 1. XXXX XXXX-Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or to NO REPORTING Account Number :. XXXX  XXXX Account Number : XXXX 2. XXXXXXXX XXXX- Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or NO REPORTING Account Number : XXXX XXXX. XXXXXXXX XXXX-Please update reported late payments showing on XX/XX/XXXX, XX/XX/XXXX, and XXXX remove the 30 days late to CURRENT or NO REPORTING Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Bread Financial Holdings, Inc.
State: NY
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 have been contacted the Comenity Capital bank several time about a refund check they need to send me, because Because I make and overpayment to pay off my Bj 's Master credit card for the amount of XXXX {$3400.00}. More than XXXX months has passed and still they do not solve the problem to send back my refund check that by mistake the payment made to them was duplicated. 

Now they says they mailed to me XXXX checks for the same amount of XXXX $ XXXX XXXX more than XXXX weeks but I have not received those check the sent it to me. and my account now show a balance of XXXX {$3.00}, XXXX and this is the amount they are suppose to refund to me. 
I spoke to several supervisor about this problem they have cause to me and they promise me to solve the situation and that I will received my refund check. but at this time nothing happened. 
Dates contacted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many others day and still the problem is pending. I sent a writing letter to dispute the charge made to my account that appear on XX/XX/XXXX XXXX on XX/XX/XXXX because they do not accept dispute transaction by phone only to make the costumer getting a hard time. Please help me to get my money back. Because that was a loan made to XXXX bank to pay off this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted the remit/coupon ( {$1100.00} ) provided by the company for payment. They have not credited the account as of today. This has affected my credit score.My instrument was not returned as stated " to dishonor return within 3 business days. '' view BankAmericard XXXX XXXX XXXX - XXXX Account Summary Current balance : {$1100.00} Total credit available : {$140.00} Cash credit line available : {$140.00} Card Details Total credit line : {$1300.00} Cash credit line : {$200.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX Last payment date:XXXX Last payment : {$100.00}

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 2016-11-20
Company: Mercedes Benz Financial Services
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a vehicle to mercedes end of lease and received an absurd ridiculous bill. There was an end cap missing on the bumper a {$20.00} to {$50.00} part at any mercedes dealer and they sent me an invoice for {$4800.00} with additional misc charges as well I called them but havent heard back

Company response to consumer: Closed
Consumer complaint received 2022-08-18
Company: ERC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this collection account numerous of times with Enhanced recovery company XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters

Company response to consumer: Closed with explanation