BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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 am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, XXXX and equifax over the past year and they are still appearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
There is a third party debt collection company called " General Revenue Company '' that continues to call me, numerous times a day sometimes back to back, concerning a " student loan '' that is roughly 10 years old. They have contacted XXXX or more people who are not family members trying to " get information '' about me. I returned the call and updated all of my demographic information and told them that I would not speak with anyone about this until I receive written correspondence. They continued to call. I called them back today to let them know that they are harassing me and I would be following through with a complaint and XXXX stated that I owe student loans and they will move toward " garnishment '' of my wages. I hung up on them. 
I have a call log and they are on it daily, numerous times a day, even after I requested that they do not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making payments on time for over six years and my balance on all my loans is higher than the original principal balance from 2008. I am requesting a freeze be placed on my account and payment schedule until a full forensic review of my account can be conducted. In this same time period I had a student loan being serviced by XXXX and that loan is now paid off and the account is closed. I have significant concerns about the book keeping of Navient and I need an explanation of how my balance can be higher than when the account originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I accumulated {$120000.00} in loans with Navient. What I was n't told was with a prior record from 7 years ago, I would not get a job with my degrees. I have applied and continue to be turned down. I contacted Navient and told them I had no job and the only thing I got was forbearance til XXXX of 2017. I have found employment making a little over XXXX and can barely pay my bills. I obtained my XXXX XXXX and XXXX thru the University XXXX. There is no way I can make the payments Navient calculated, yet alone any payments with what I am making.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.

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 2016-04-28
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose. 
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner. 
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month. 
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX. 
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Alorica Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in XXXX I opened an account with Citi Bank when they were offering their promotions. The specific promotion I applied for was : " Deposit {$15000.00} into a Checking and Savings account at Citi Bank and hold that for 90 days and then your money will be deposited. '' It has been 100+ days since I have had my account, I still have over {$15000.00} in my account and they have not deposited my money. Every time I call ( it has been 15+times ) someone on the customer service line makes an excuse for why my money isn't there or sometimes they just hang up on me ( yes I have just been randomly hung up on because they have no answer to my problem ). I personally work at another bank and I know we always follow through with our promotional offers, but I am afraid Citi Bank is scamming me. I have read other reviews online and they have done this to other people as well. Please help me get my {$400.00} so I can close my account and never come back to this bank again.

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 2017-02-03
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: IN
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 filed an identity theft report with FTC due to inaccurate information reporting on my credit report and no one is helping 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights as a consumer.

15 U.S.C 1681 section 602 A. states i have the right to privacy. - XXXX XXXX XXXX has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am denied a Home Equity Loan by XXXX XXXX XXXX citing the following reason : - I already have a home equity loan with Mr Cooper ( Nationstar mortgage ) - Denied on XX/XX/24 - applied since XX/XX/XXXX They cite that they couldn't establish XXXX XXXX on the property for home equity loan because I already have a home equity loan with Mr cooper. 

This is not true because I had a cash out refinance from XXXX XXXX last year ( more than a year ) and it was sold to Mr Cooper. Loan closing document clearly states it was a Convential XXXX years fixed refinance. 

I don't have a XXXX mortgage and restricting to leverage my equity value to get a loan for my financial benefit is unfair to me. XXXX XXXX XXXX has alreasy pulled my credit report and they don't show that I have XXXX mortgage. 

Denying me this credit has enormous consequences for me financially plus it's not fair and there seem to be erroneous process on either Mr Cooper or XXXX or other company 's site. I was told this is the XXXX occurrence they have known of this kind so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Viking Client Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've sent letters to Viking Client Services requesting specifics on this alleged debt. I do not have a contract with Viking or XXXX XXXX XXXX. I have not received nor made payments to either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: MNS & Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
RE : XXXX XXXX XXXX XXXX* I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX** section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher of that information. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX XXXX included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXXy XXXX partial credit account number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I went to pick up food from XXXX. I had to return the food because of a wrong order and did not have time to get something else. The manager XXXX @ XXXX was to cancel the order and refund my money within 2 days. It has now been 4 days and still no refund. I tried to call 5/3 Bank and stayed on hold for over a hour and I also called and left my phone number to get a call back from 5/3 Bank to dispute but I am unable to get a call through to them or call back to dispute this transaction. I believe the total was just over {$15.00}. I can NEVER get through to the customer service # for 5/3 Bank. When I attempt to go inside the bank. They inform me that are unable to help. I have never seen a bank so unprofessional in my life. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to 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 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.

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 2017-02-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mother XXXX XXXX recently passed away and she had a credit card from XXXX in the amount of {$4100.00}. XXXX XXXX from Wellman, Weinberg & Reis in XXXX and I we agreed on the phone on XX/XX/XXXX ( they recorded the conversation ) for a settlement of {$1200.00} as a one and final settlement for this amount and it would be reported to the credit agencies as settled and no further collection against this debt would be pursued. They were supposed to send the letter stating the settlement terms three to five days from there and never did. I left a couple of messages and they called back today XX/XX/XXXX and reneged on the agreement. I spoke with a XXXX then XXXX and they both reneged on verbal agreement for {$1200.00} as a one and final payment to settle the account entirely. XXXX tried to say it was just a payment and it was definitely not. I have done a few Credit Card settlements in the past and know exactly how to do them correctly, so this is clearly a fabrication of events on their end. They are disputing that {$3000.00} of those charges went to a funeral home after my mother XXXX passed on XX/XX/XXXX but she authorized us to do this before she passed. This information was also mentioned to XXXX on XX/XX/XXXX and she, her supervisor and Wellman attorneys all agreed on this amount. There has been documented cases on the FTC and BBB in XXXX, Ohio from others about Wellman reneging on settlements in the past. This is a pattern with them. To resolve this issue I simply want Wellman to send the letter agreeing to our original terms on XX/XX/XXXX which was ; {$1200.00} as a one and final payment to settle my mother 's XXXX card of {$4100.00}, send a letter stating that the account is settled upon cashiers check payment of said amount and the terms we agreed upon. I can be reached at XXXX XXXX XXXX or XXXX. Calls are preferred. Thank you. XXXX

Company response to consumer: Closed with explanation