BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-02
Company: INTERNATIONAL CITY MORTGAGE
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX has repeatedly reported late mortgage payments made on time and verified via confirmation. International City Mortgage ( ICM ) has failed to assist/correct the fraudulent reporting of its mortgage payment processing center " XXXX XXXX ''. The excuse for the failure of XXXX XXXX to properly and promptly apply payments provided by ICM is that we provided " incorrect account information :. THE ACCOUNT INFORMATION ( BANK/ROUTING NUMBER ) WAS PROVIDED EXACTLY AS INSTRUCTED BY XXXX XXXX AND IS EXACTLY AS NOTED ON OUR CHECKS. Every payment has been made on time and is verified by confirmation statements sent by XXXX XXXX at the time of every payment, leading us to believe our payment has, in fact, been correctly processed. Weeks later, we receive a letter via US Mail stating they have not received payment. XXXX XXXX then assesses late fees and reports late payments to credit agencies. Repeated requests for assistance and resolution starting in XXXX and continuing to the current date have gone ignored. The fraudulent reports have significantly damaged our credit. The continued lack of response or ANY resolution indicates a serious customer service issue that must be addressed. Additionally, XXXX XXXX, XXXX ICM Branch Manager, upon obtaining our signature on the mortgage loan, immediately removed himself from any role of assistance, leaving us to attempt to seek resolution thru the main office in XXXX, California ; XXXX XXXX XXXX and XXXX XXXX have provided no relief at all. XXXX XXXX assured us he would " be there for the length of the loan '', if we ever had any problems, he would resolve. We are still waiting for ANY assistance whatsoever. Further, XXXX 's promise to set up a twice-monthly payment to minimize the loan interest has evaporated ; this was a key reason we decided to use ICM. XXXX XXXX appears to be using empty promises and false advertising to sell his product.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have no knowledge of this account, NATIONAL CREDIT ADJUSTERS, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: AES/PHEAA
State: VA
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:
On XXXX XXXX, I submitted an online request to change my direct debit bank account. I was informed it would take up to 45 days to reflect on my account. I called back in XXXX and was told the new account would take place for my XXXX payment. 
I called back in XXXX, XXXX XXXX, and the rep ( # XXXX ) told me she had to email the direct deposit team and somebody would get back to me. Nobody got back to me, so I called again early the next week, around XXXX XXXX, and the rep told me to call back again later as no information was available yet. I called back yet again today, XXXX XXXX, and the rep XXXX # XXXX XXXX told me that the change would not take place until after my next payment. My payment date is the XXXX of every month. She suggested I call back on the XXXX ( my 5th call on this issue ) to confirm this change had taken place. 

This is unacceptable timeliness for what should be a simple change. This is the second issue I have had with AES, the first being when they changed my last name to reflect my mother 's new last name following her divorce ( say, my mother is XXXX XXXX and I am XXXX XXXX, when my mother got divorced and changed her name to XXXX Maidenname, they changed and FILED WITH THE IRS my name as XXXX Maidenname, and said they could do nothing to correct this. ) I have the impression they know they have consumers against a wall and just do not care because once you have your loan with them, you are stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
On XX/XX/2018 I am getting hit with a hard inquiry from Kohls I noticed this on my XXXX XXXX account. I did not authorize any inquire had Khols department store. This was fraud and not authorized by me. I had called Kohls to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a Kohls card.

Kohls had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: MNE Services, Inc
State: NJ
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-11-01
Company: CONTRACT CALLERS INC
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 is not mine

Complaint:
I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.XX/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 2016-06-10
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty : XXXX XXXX XXXX XXXX 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency.

********* This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted

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 2016-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I an complaining about XXXX card which is inaccurately showing XXXX late payments. 
XXXX representatives XXXX had promised to remove the information 2 months ago. Recently another rep called me. After lengthy discussion, XXXX representative said we will remove those late payments if there were charges due to fraud. I told them, that if you see records you will see that XXXX has already given me credit for fraudulent charges and balance was zero and new card was sent. And now XXXX is reneging on the promise to remove those XXXX day late charges. XXXX had my statements returned by USPost for no fault of mine and there were fraud charges so why my credit should be damaged, especially when they admitted on recorded line that my credit was excellent except those reporting. She transferred me to XXXX different departments, no one picked up. 
Is this the customer service a loyal regular paying customer deserves, or is it even legal to damage credit like the way they are doing. I am sending this letter copy to all credit Bureaus so they can remove the late reporting as they are hurting me to obtain decent mortgage interest. 

XXXX XXXX XXXX : XXXX, Equifax , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have good credit and pay my bill on time. For some unknown reason, Discover card decided that they do n't want me as a customer anymore and canceled my account. I think this will adversely affect my credit. From what I found out online, they seem to have targeted mostly XXXX for the account closure. I think I deserve an honors answer as why they have decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a letter from The Huntington National Bank dated XX/XX/2021. The letter was received XX/XX/2021. A copy is enclosed. The letter was a confirmation regarding a new Asterisk-Free checking account. I did not open this account. 

This is a fraud scheme. 

I called the Bank today and spoke to a MsXXXX XXXX XXXX. She confirmed that my social security number had been used to open this account. She stated that the matter would be referred to the Bank 's Fraud Investigation Unit. The Reference number given to me is XXXX. 

I decided to also send this Complaint to your office. 

The Bank Officer advised me to destroy the Debit or AM Card, if received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage PAID IN FULL on XXXX XXXX, 2016. Husband has called for return of original DEED OF TRUST, return of original PROMISSORY NOTE marked " paid-in-full '', and a RELEASE OF LIEN so we can file the appropriate documents with the county to show that there is no lien on our property. Basically, the mortgage company is lying to us already!! Customer Service says all this was sent by Certified Mail on XXXX XXXX, 2016. Postmaster says Certified mail is received in less than 5 business days. Mortgage company can not give us a tracking number for the Postmaster to trace this Certified mail. This is the LIE!!! I do n't want this situation to drag out over a long period of time and become an unsolvable " ISSUE '', requiring legal assistance ; even though my nephew is a lawyer. I can provide names and dates of phone calls to the mortgage company. I can provide copies if documents sent to the mortgage company, i.e., copy of the wire transfer where the credit union sent the payoff money to the mortgage company & the check where the mortgage company returned the escrow money to us because of the loan being paid off. I suspect the mortgage company has absolutely no idea where the Deed of Trust or the Promissory Note are physically located!! Probably, these documents have been LOST for years!! I expect the mortgage company to continue LYING by telling us that " we did this '' or " we sent that '' kind of XXXX. This is why I am asking for help from you. I am XXXX XXXX years old and want this situation completely settled and the proper paperwork filed at the county before I die! I have read the " complaints '' website on this mortgage company. It seems that this mortgage company will go as far as possible, evenly illegally, to hurt us. There is one complaint similar to ours where the homeowner has yet to receive documents after SEVEN years! There are many complaints alluding to payments being made on time, only to receive foreclosure notices. I expect to receive late-payment notices starting this month ( XXXX, 2016 ). There are complaints where this mortgage company receives insurance checks for repairs, ( i.e., windstorms or floods, etc. ) but does not release funds to pay contractors, leaving the homeowner responsible for all repair bills while trying to get the insurance payments " released ''. I feel as though I better start protecting myself from this under-handed mortgage company! This is why I am asking for your assistance right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/2015Dear XXXX, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, Discover Card XXXX issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. Discover refused on XX/XX/2015 to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of XXXX. 
Since it is possible to have the normal and more secure raised numbers with the new chip XXXX ; I see no reason to accept either the XXXX or the discover card ; I think it is irresponsible to issue the flat credit cards that are more easily faked ; and can not be identified as real by a human being. 
I expect the CFPB to at least ask or direct XXXX and Discover to give customers or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use XXXX methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage by two months and I have been working on getting caught up. I plan to use my income tax return to do so and the money is due any day now. I sent my normal payment to the XXXX which is serviced by Dovenmuehle Mortgage. They rejected my payment and I have yet to speak with anyone that can actually tell me what XXXX is going on. How can they reject a payment? I am willing to make good on my loan but I will never use the XXXX again because of the experience I have had with the servicer. 

How can this company do this I wondered and then I started doing some research. I get the impression they are targeting veterans like myself by servicing loans for the XXXX and XXXX. I am worried they will XXXX and I do not know how to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX

Company response to consumer: Closed with explanation