BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  XXXX sold my home equity line to Specialized Loan Servicing a few year back. When we were going through the pandemic I had a covid related issue and SLS allowed me forebearance. Last year they gave me a trial modification wherein I was supposed to pay {$320.00} ( approximately ) a month for three months and then it would be a permanent payment. I paid the amount the first month, the second month I lost my mom and just was distraught. At the end of the second month I called SLS and explained to the representative, she said don't worry about it, just pay the 2nd and 3rd month now and you will be fine. I paid the {$670.00} and was waiting for the permanent adjustment. 

This year I was getting letters and calls from them stating that I had to pay thousands of dollars and that I should not have missed the 2nd payment, they were rude and threatened to foreclose on my home even talking about short sale. They sent me paperwork for a modification again. I have income and have 2 folks that live with me that are giving me money. I am extremely stressed because instead of trying to work with me they seem determined to foreclose/cause a short sale which it would not be a short sale technically because I have equity that exceeds the amount owed. I think it is wrong that they would agree to accept the two payments and then turn around and not want to give me a modification. Also I have applied to them for a modification and can show where I can make the payments. They are a very deceptive company and should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Synovus Bank
State: TN
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:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We have several cards with CITI. Recently, we have been getting notices that our payments are late, also they have reduced our limit on 1 card. I have all our bills on my XXXX  calender, which I use every month. I tried to reach out to CITI, but you can't reach anyone via phone call. Today, I tried to reach them via chat. They have an automated gate keeper system that won't let you pass unless you spend 15 minutes using it trying to get it to understand it can't help you! When I entered the " magic '' phrase, it then said it would connect me to an agent. After 2 minutes, it disconnected me. I need help to get this back on track since they have now caused our credit score to drop and won't have an ACTUAL human talk to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called XXXX  and Transunion and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/16, at XXXXEST, I received the following voicemail message : Hi my name is XXXX XXXX ___ firm I'm a courier I was just calling to make you aware of that at this point we did make our final delivery __ times of your legal document at this point if you wanted to make arrangements to receive this information you would need to contact the filing party they can be reached at XXXX again the number is XXXX Please see the attached audio file. 

There was NEVER any lawsuit. This is a blatant attempt to mislead. The phone number is listed as belonging to XXXX XXXX XXXX XXXX XXXX XXXX. 

I believe this call to be in regard to a XXXX Credit Card, I am alleged to have used with Comenity bank as listed. As this agency also called my employer, and family several times. 

I deny this debt and any responsibility to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: HI
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 STILL REPORTING INACCURATELY, UNPROVEN, UNVERIFIED AND UNTRUE LATE PAYMENTS ON MY CREDIT REPORT FOR THIS ACCOUNT : XXXX XXXX XXXX ACCT # : XXXX EQUIFAX IS INCORRECTLY REPORTING 3 LATE PAYMENTS FOR THIS ACCOUNT. XXXX IS INCORRECTLY REPORTING 2 LATE PAYMENTS FOR THIS ACCOUNT AND XXXX IS INCORRECTLY REPORTING 1 LATE PAYMENT FOR THE ABOVE-MENTIONED XXXX ACCOUNT. 
CLEARLY A REPORTING VIOLATION AS NOTHING MATCHES. 
WHAT IS EVEN MORE CONFUSING IS THAT EQUIFAX IS ALSO REPORTING THAT THE ACCOUNT STATUS IS " PAYS AS AGREED '' AND THE ACTIVITY DESIGNATOR IS REPORTING AS " PAID AND CLOSED ''. 
ANOTHER VIOLATION FROM EQUIFAX IS THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED AS XX/XX/2022, BUT CONFUSINGLY EQUIFAX IS FALSELY REPORTING A PAYMENT HISTORY CHANGE ON XX/XX/2022. HOW IS THAT POSSIBLE? WHY IS EQUIFAX REPORTING A PAYMENT HISTORY PERCENTAGE DROP 6 MONTHS AFTER THE ACCOUNT WAS CLOSED AND 6 MONTHS AFTER THE REPORTED DATE OF LAST ACTIVITY?? EQUIFAX ALSO REPORTS " NO DATE '' OF FIRST DELINQUENCY ( SEE PROOF ATTACHED ) WHY IS EQUIFAX REPORTING ANYTHING NEGATIVE AND MISLEADING ON A " PAID AS AGREED '' CLOSED ACCOUNT? 

EQUIFAX IS VIOLATING MY CONSUMER RIGHTS BY INACCURATELY REPORTING ALL THIS WRONG AND MISMATCHING INFORMATION. 
THIS NEEDS TO STOP IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that CapitalOne/XXXX  misses payments. Capital/XXXX  is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Nelnet, Inc.
State: IL
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 am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to NELNET LNS accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I  recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
If you refer to complaint XXXX, this companXXXX XXXX XXXX XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..

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 2017-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Wells Fargo has granted a temporary payment relief for XXXX month. Due to XXXX XXXX hitting Texas, devastating and flooding XXXX completely, preservation of life is currently the highest priority beyond anything else. The entire city, region, and vicinity is under water. Just take a look at any national news covering XXXX XXXX. Mail will not even be able to arrive to our house for probably weeks. I do not think I will even get the next Wells Fargo XXXX XXXX bill because of the flooding and the possibility that mail is completely drenched in flood water. Currently, it is impossible to return to work, get to and from grocery stores, or even be able XXXX XXXX to a hospital in the event of an emergency. Even if water recedes, in a couple days to weeks, or even months for some areas, it will be time before normal day to day activities will even begin to possibly resume. Both me and my co-signer are completely devastated and need time to manage the preservation of necessities to get Wells Fargo their money. I am sure Wells Fargo understands the devastation occurring in Texas all the way in XXXX XXXX, or wherever their headquarters are.

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 2017-03-23
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made every payment and am ahead one payment but XXXX Myers, P.C have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it

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 2022-09-01
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sought Loss Litigation and was referred to XXXX and talked to a Representative. The Representative told me we needed to schedule a meeting with the mortgage lender. 

Within an hour someone called identifying themselves as being assigned my case and told me he was going to help me through this and after two payments we could begin the process of restructuring rhe current loan and even how it would lower my payments until I could get a medical release and find employment after my employer let me go while I was out on XXXX recovering from an incident that was actually related to work. 

After paying the gentleman {$1800.00}, my roommate said something sounded funny and attempted to speak to the guy who became irrate. Well none of the money wS applied to my loan and it does not appear he still works there or possibly was not their employee. I just don't know how his calls would show the mortgage lenders name and he would have so much information. 

I questioned him several times because up until this year I had never bounced a check in my life, because I was behind I had to make other payment arrangements I feel so stupid and worthless as I am in the process of losing my home and the only reason I fell behind was that while I was recovering from a work related injury, after 8 years of employment they let ne go

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
THIS IS ABOUT LOAN FRAUD. ** Unauthorised loan** On XX/XX/2022 I received an email from the lender** AFFIRM** that i was approved for a loan XXXX for a purchase on XXXX. I have attached a copy of my XXXX purchase history..*** there is no such purchase*** That same evening I attempted to get in my account which is accessed by telephone number. The telephone number was changed preventing me to access my account. 
Upon calling Affirm associate and describing the 2 valid loan with the lender, the Affirm Associate stated " that my account is not linked to XXXX therefore there was no problem/ no loan. 
On XXXX XXXX after making 4 phone calls, with the last call screaming fraud, the Affirm associate fixed the phone number and instituted a secondary confirmation system. That associate stated they would escalate the issue and I would receive a call back no later than XX/XX/2022. **** That never happen***. I sent certified letters ... No response. Affirm however sent text message that the first payment was due on XX/XX/XXXX, XXXX I have frozen all 3 credit reporting agencies and now my credit has been hack as I have received multiple loan approvals from others which I did not request.. Affirm lack of response, weak credit protocol has harmed me in addition to the loan fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
I was potentially affected by the incident in which personal information was taken. I retrieved notice of this on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that XXXX misses payments. XXXX is a closed 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 non-monetary relief
Consumer complaint received 2020-02-01
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage and was assigned to LoanCare. I was shocked to find out that they charge you a penalty to pay online if you do not pay your mortgage within the first 4 days of the month. A traditional late penalty applies after the XX/XX/XXXX, but if you pay your payment online between the XX/XX/XXXX-XX/XX/XXXX it is  {$5.00} and if you pay it the XX/XX/XXXX-XX/XX/XXXX it is {$10.00} and if you pay it after the XX/XX/XXXX if is {$10.00} on top of the late fee. The bill is still on time any time between XXXX of the month. If my bill is on time, why and I being penalized? It does not seem legal to charge a penalty for simply paying online. This is an unfair and deceptive practice, especially when I have no control over my mortgage company ( which is an entirely different issue ). Homes are ( for the majority of people ) the largest purchase and largest bill and it is crazy that you not have any control over who services your loan. 

When I was first assigned LoanCare I went online and was surprised to see they have one star reviews on any type of review platform. I've yet to have some of the issues others have complained about, but as a consumer I should have more choice as to who services my loan and should certainly not be penalized for paying a bill online.

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 2018-05-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX contacted company for validation of debt XXXX states that I should receive it in 10 days. On XX/XX/XXXX @ XXXX XXXX eastern time zone I contacted the company and asked was the validation sent I had not received it. The agent named XXXX stated that the debt letter is a confirmation letter and on the letter states that asking for validation is proof that this is a valid debt. The agent XXXX sts look you gon na pay it or not in angry voice and also states I aint got time for this now I was never volatile with this guy. I stated to the agent under the credit debt collection act that I need validation cause Im not for sure if this is or their a legit company. The agent states again that this debt letter serves as validation. I asked the agent whats his name again and this line is recorded? He stated his name XXXX and that this line I recorded I stated on the recorded the time is XX/XX/XXXX XXXX and asked for a supervisor. A sup was put on I advised the supervisor of what happened and he sts yeah they never sent a validation letter and one would be in the mail sent out soon. I asked the supervisior was indeed that line recorded hes sts that it may be recorded and 9 times outta 10 it would be XXXX never stated who they are collecting for either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Initially, a debt collection showed up on my credit from a Capio Collections, this collection was originating from a XXXX XXXX XXXX for {$270.00} back in XXXX. As this was past the Texas Statute of Limitations ( 4 years ) for reporting a collection debt and I had no previous knowledge of it, I disputed it at the recommendation of my legal rep. It was removed from XXXX based off this information. 
XX/XX/XXXX - I then received a bill from Capio ( again, hadn't heard from them PRIOR to them illegally putting a negative account on my credit report ) AFTER they got removed from my report. This is still past the statute of limitations & I still dispute the bill period. But I also know not to engage the entity directly as this can cause adverse actions since this weird law is now in effect that we protect businesses but not consumers. 
XX/XX/XXXX - a collection from a Asset Care showed up on my XXXX and my XXXX for the exact same originator and amount = XXXX XXXX XXXX {$270.00}. STILL against Texas statutes and still not legal, still disputed. I disputed with XXXX and XXXX, same dispute facts w/ add'l info about Capio from XXXX. Removed from my reports. Was recommended by reporting agencies to report the Asset Care entity to Federal Trade Commission/CFPB. 
XX/XX/XXXX - collection from Asset Care for exact same XXXX XXXX XXXX {$270.00} showed up on my XXXX. 
XX/XX/XXXX - Reported dispute for exact same factors - statute of limitation and no knowledge of bill to XXXX. 
This is absolutely inappropriate and illegal behavior. This is an old, most likely fraudulent, account that someone purchased to try to get money from me that I do not owe and they are banking on consumers not being wise or resourceful enough, or maybe not wanting to mess with it, scared about the negative credit impact, and willing to just pay it. It's not okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report 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