BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Eagle Home Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.

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 2017-03-07
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company keeps sending third parties to my house to do site inspections. I have contacted them via writing to let them know that we are currently living in the house. The company replied to me regarding my request to have them stop their site inspections. The letter dated XX/XX/2017 stated that " please note, inspections will continue as deemed necessary ''. The reason I asked them to stop is that our son suffers from chronic mental health conditions. When he sees strange people walking in our driveway and taking pictures it causes mental health distress for him. I also suffer from panic disorder and these actions are detrimental to my family 's well-being. My understanding is that as long as I am communicating with them stating that we still live there ( which I have been ) that there is no need to continue to inspect the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This account magically appeared in my profile. I do not know who filed this account but its not mine and I do not know this account. I believe I am victim of identity theft or error in reporting. Please check this account and fix this error in my profile Account : 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 2016-09-20
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter had a roommate back in XXXX. Apparently there were " move out '' charges to XXXX XXXX XXXX which were billed to her roommate. The debt was apparently paid in full on XXXX/XXXX/XXXX. However, in XXXX XXXX a negative delinquency appeared on all XXXX of my credit bureaus ( I am told I co-signed my daughters ' lease for her first XXXX apartment, although neither of us recall me doing so ). This is a full year and a half after the obligation had been met and resolved by her ex-roommate. At no time was I made aware of any outstanding debt to the apartment, nor was my daughter ever informed of such. They only communicated to the delinquent renter. 
My issue - while they are willing to have it removed, it can take until end of month before it 's sent to all XXXX bureaus - and then you add on however long it takes the bureaus to update. I am going for a new construction loan for a house I 'm building in FL. This single item on my report dropped me from XXXX to XXXX. This severely impacts any terms and approvals I will get on my construction loan. 
I 've maintained excellent credit my entire adult life - and this mistake - sending something which has been resolved 18 months AFTER it 's been fully resolved to a bureau to reflect on my credit rating - at a time when I 'm applying for this construction loan - is unbelievable. The fact they ca n't get it removed from the XXXX major bureaus, after having no issue putting it there in the first place, needs to be addressed. 
The credit reporting company is Meade and Associates - XXXX XXXX XXXX, XXXX, OH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. 
Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. 
I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company. 

I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I enrolled in XXXX XXXX XXXX School XXXX XXXX on XX/XX/XXXX for the sole reason that it not only promised to provide me with all the classes and skills for me to be successful in my career, but it promised me a XXXX For Life. '' Where in, I could continue to take classes/Labs throughout the life of my career that would advance me forward, at no additional cost. My career in XXXX XXXX is such that in order to be successful and make a living at it, continuation classes for the lifespan of your career are necessary. I took out a private student loan thru XXXX XXXX, now Navient, back in XX/XX/XXXX in the amount of {$14000.00}. In XX/XX/XXXX, while trying to schedule XXXX of my continuation classes and having the phone go unanswered, I went to there location and realized that they were now closed for business. I have faithfully paid the student loan payment each month but still owe a balance of {$5300.00}. It has become increasingly difficult for me to pay the monthly payment and also advance my career as I have been unable to afford paying for additional classes and training. Something I thought would be taken care of by XXXX and enrolling in their " XXXX. '' As a result, I am asking Navient ( formally XXXX XXXX XXXX to " Forgive '' the rest of the balance due on the loan as I believe I have paid for something that I never received ( in other words, a Breach in contract ) -- Free Lifetime Training in my Field. My XXXX # is XXXX. 
I have attached documentation substantiating what I have stated in this complaint. 

Thank you for your consideration on this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Love, Beal & Nixon, P.C.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX thru Love, Beal and Nixon has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX XXXX XXXX had a Civil Action against me. Love, Beal and Nixon filed it on XXXX XXXX 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX XXXX Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when XXXX XXXX started garnishing my wages at 25 % per paycheck. The paperwork was supplied by my employers, not XXXX XXXX or Love, Beal and Nixon. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about five times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. XXXX XXXX again thru Love, Beal and Nixon was garnishing wages at 25 %. I called XXXX XXXX and they told me I would have to contact the lawer firm handleing the case. I called Love, Beal and Nixon and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. Love, Beal and Nixon didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and XXXX XXXX owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by Love, Beal and Nixon about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact Love, Beal and Nixon at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX XXXX XXXX allowed Love, Beal and Nixon to garnish my bank account. They took {$1000.00}. 
XXXX XXXX and Love, Beal and Nixon has never once contacted me on any of the court cases against me. Niether has XXXX XXXX XXXX house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that XXXX Once and Love, Beal and Nixon lied to me about the settlement as I have never gotten the promised settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The only thing I understand from Financial Freedom 's response is that the monthly statements beginning in XXXX 2016 will reflect the " the estate of XXXX XXXX '' In Their statement they have said that they are waiting for " approval from the court to complete the rescission of the sheriffs sale ''. This leads me to believe that a case has been filed with the court. I therefore request that copies of the documents filed with the court to include name/jurisdiction of the court where filed, date of filing as well as case and docket number. For the record I have never mentioned that funds were advanced to XXXX XXXX. I simply stated that based upon the statements it would appear as such. I have also not received any documents that XXXX or FHA have direct knowledge of this issue or the estate. I would again request that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I noticed unauthorized inquiries on my Transunion report that were not done by me. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXXXX/XX/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 2015-12-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to XXXX XXXX and then sold to Resurgence capital. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: Concord Resolution Inc (Closed)
State: NH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I owed {$1600.00} to XXXX XXXX Bank Credit Card but medical expenses probated payments. My wife, XXXX, is XXXX. We XXXX live on XXXX only. 

XXXX XXXX Bank sold the debt to a law breaking junk debt collector LVNV Funding , LLC. Their attorney, XXXX XXXX XXXX XXXX, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were XXXX. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from XXXX only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

LVNV Funding LLC and XXXX XXXX XXXX XXXX have violated the FDCPA laws and should be held accountable for their law breaking activities..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: LEXISNEXIS
State: MD
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:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Account information incorrect

Complaint:
Transunion lowered my score due to balance decrease of {$11.00} and change of Account number was change pertaining using services with XXXX XXXX  by 17 points. This circumstances shouldn't decrease my score but increase my score just as it did with XXXX by increasing my credit score by 32 points. The account number change was due to XXXX XXXX updating their application software on XXXX XXXX and had nothing to do with theft or simply replacing the account. Transunion is wrongfully giving me a lower score when Im simply making on time payments.

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