BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: Winona Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from CheckCare, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX. The correspondence and bill was sent to XXXX XXXX. This is my last name but incorrect first name. There is no one named XXXX XXXX in my family. The bill was for a returned check for a medical bill to XXXX in the amount of {$36.00} dated XX/XX/XXXX, Check number XXXX. I responded via certified mail to the letter and stated that there was no one by that name at this address and further that we had never been treated or incurred expenses by XXXX. The form stated we had 30 days to respond and to request documentation of the claim. I made this request but no data was ever provided. I received a second notice in XX/XX/XXXX and sent another certified letter informing them I was not the party responsible for this bill and to stop harassing me. I received my 3rd notice today. Please advise if you can provide assistance.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-11
Company: STUDENT ASSISTANCE FOUNDATION
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had student loans with XXXX XXXX back in XXXX. My daughter was XXXX years of life. XXXX XXXX had allowed me to defer my payments for 6 months, after which I had started making payments again. After making payments for another 6 months, but because My husband and I were struggling financially due to all the hospital bills, I contacted a representative with XXXX XXXX and was told I could defer my payments for another 6 months this was in XXXX. It would allow my husband and I to get financially situated so that I could start paying off my student loans. In that course of 6 months my loans were Sold off to XXXX ( Formerly XXXX XXXX ) and Students Assistance Foundation. In XXXX my tax refund was taken from me to pay off the student loans which I had assumed went to XXXX XXXX. I did not receive any correspondence regarding my loan had gone into default and was being collected by these XXXX collection agencies. Now on my credit report it shows those 6-7 months of deferment as being late payments with Collection agencies for 90 days and 120 days late plus interest. I have since sent certified letters to both Student Assistance Foundation and XXXX requesting requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them along with proof of late payments, i.e cancelled checks or statements of scheduled payments. This was sent to them Via Certified Letter on XXXX XXXX, XXXX.Student Assistance Foundation responded with a computer generated printout called Loan Reconstruction Spreadsheet. ( please see attached ) Nothing that shows validation showing my signature. XXXX has not responded to any of my correspondence, and has my Student loan listed as a charge off on my credit report. this loan has been paid in full since XXXX XXXX. I was never late with either of them and neither SAF or XXXX is licensed in the State of Arizona where I reside to collect on a debt and charge interest, which is required in the state of AZ. I would like Both SAF and XXXX to be investigated into this matter, since both Collection Agencies have neglected to correspond with me correctly according to FCRA Section 623 ( a ) 3, and FDCPA section 807 ( 8 ). I asking said Collection agencies Student Assistance Foundation and XXXX remove the inaccurate reporting from my personal credit file.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX  XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Wallace Management Company, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I got a loan from Sallie Mae ( XXXX ) to cover my college expenses over a 4year period. I have fallen behind and unable to make my payments on time. I have expressed this to Sallie Mae resolution representative on numerous occasions. Moreover my interest is building my overall loan total to a substantial amount. My loan is now over {$120000.00}. They want me to increase my payments to {$1000.00} a month but I am unable to because I can barely make the {$200.00} per month I am paying in interest. They continuously call me even after I have expressed to them that I am unable to make payments on a temporary part time job. I recently graduated in XX/XX/2016 and I also got evicted. I have looked for jobs in my field ( XXXX XXXX ) but I am unable to find any because I am not a XXXX. For the majority of government jobs I have to be a citizen and I am only a 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 2017-02-27
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dietech Financial has erroneously reported my mortgage payment late for the month of XXXX when it was paid on XX/XX/XXXX. FRAUD, I have been denied credit and at this point this it the second time that they have reported information that is incorrect and I am now asking for financial restitution. 

DITECH FINANCIAL LLC Account Number XXXX Account Type Real Estate Loan Terms 336 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details Past due 30 days Status Updated XX/XX/XXXX Balance {$190000.00} Balance Updated - Credit Limit - Past Due Amount {$3900.00} High Balance - Monthly Payment {$1600.00} Balloon Payment - Contact Phone XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$200000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: STERLING JEWELERS, INC.
State: NC
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:
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX/CELLULAR Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$0.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$170.00} Account should be removed from my report, original date of account was XXXX. 


Pay Status : XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; XXXX SETTLED-LESS THAN FULL XXXX & XXXX ; PAID COLLECTION 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 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It has been 3 months since I accessed my credit at XXXX and discovered that Transunion has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
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 explanation
Consumer complaint received 2016-01-13
Company: Jemcap LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the City Register of the XXXX. 
I requested for an explanation during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX and when XXXX or XXXX indorsed the subject note to XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Loancare, paid taxes from my escrow account twice, each for a different amount, in XX/XX/2016. The result was that the escrow account was overdrawn. The tax assessor 's office only has a record of Loancare making a payment once. 
Loancare is now charging me the difference in my escrow account on a monthly basis. The previous mortgage payment was {$2000.00} and the new payment is {$3400.00}. I have contacted Loancare several times regarding this and they have not yet provided a correction or explanation.

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 2017-03-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently sent a dispute to Fifth Third Bank in regards to an inquiry made to my XXXX report. I was sent back a letter from them denying my request for removal of this unauthorized inquiry from my XXXX report. Please view attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
*EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
It has came to my attention that someone other than myself called Valley Credit Services and was given information as to my debts and current garnishment. The caller was told the call was recorded. 
Therefor, I am requesting, in writing, that a copy of the transcript of the call that took place on XXXX/XXXX/2016 at aprox XXXX between an acquaintance of mine and XXXX the debt collector regarding my account be emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have recently been informed that there is negative information reported by Equifax, for a " Bankruptcy. ''. I sent XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Equifax did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.

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 2021-11-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This isXXXX  XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts are constantly reporting on my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: HW Holding, 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:
Debt was disputed via email, all the proper documentation was provided explaining the incorrect debt. No response was given by the collector in the 30 day window.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief