BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.

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 2017-05-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a loan modification application  XXXX . The POC  XXXX   XXXX  at  XXXX   XXXX   XXXX  ext.  XXXX  Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure.     Dates when I have called :  XXXX .    XXXX .    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Cascade CISS Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has run an inquiry on my credit report at least three times in the last several months without my consent or knowledge. This has negatively affected my credit rating. Any assistance you can offer is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After reviewing my credit report I found that this item was fraudulently placed on my credit during my time of XXXX. The Account is : XXXX XXXX XXXX amount {$4700.00}

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 2017-05-05
Company: PELICAN CREDIT CO
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Exeter Finance Corp.
State: MO
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: Investigation took more than 30 days

Complaint:
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WA
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:
We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Prospect Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX   XXXX ,  XXXX   XXXX  Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: Lockhart, Morris & Montgomery Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired. 

They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood. 
( Side note : I use a hands free communications device while driving, in the event of an emergency. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TRANSWORLD SYSTEMS  reported an account as open and past due on my credit report after bankruptcy case  XXXX  was  discharged .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

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 2021-12-22
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am making additional principle payments to my account and BSI financial services continues to apply them towards future payments in lieu of reducing the principle of the loan. 

I made the following payments that were not applied correctly : XX/XX/2021 I made a {$1600.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$1000.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$50000.00} payment that was not applied towards principle on that date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
To Who m it May  Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  Reptg. Age ncies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc s ec #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , GA  XXXX  TransUnion,  XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    General Clothing Stores     XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  TBA Stores  , Tire Dealers    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   National Credit Card Cos.     XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  Soc sec #  XXXX  DOB  XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , FL  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 2017-05-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a Sears credit card when I found a Patio set I wanted to purchase and had begun to check out. At check out, information was provided that stated if I signed up for CC I would obtain 30 % and I could order using the brand new CC. I singed up for the CC ; went back to the shopping cart but was unable to fulfill the order b/c no cc number was provided. I called the Searscustomer service line ; i was told I needed to go to a store. I decided to wait for the card. The card arrived ten days later. I went to the website to order the patio set, the 30 % was not offered again ; upon further review, I realized no terms or conditions were provided with the card. All that was provided was a XXXX dollar off coupon ; the paper that the card was attached to ( no information related to APR ) and a citi document that is titled : FACTS : What does Citibank do with your personal information.
The claim that Sears made was misleading and CitiBank 's failure to provide the terms and conditions is concerning
particularly since the 30 % also have 0 % APR for 12 months ( it may have been a one or the other type of deal, I ca n't exactly recall ). Either way, I did not receive the 0 % APR.

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 2017-05-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In   XX/XX/XXXX , I  graduated from  XXXX  Universit y 's     XXXX   XXXX   XXXX   XXXX   I took out federal   XXXX   loans in an amount totaling roughly {$7 8000.00}. Beginning   XX/XX/XXXX ,  I started making income-based repayments. My loan was transferred to Navient. I have been making payments since then. My estimate i s 58 payments to date. However, Navient has only calculated 17 qualifying payments, and apparently only 10 on  XXXX  loan. This is a different of at least 41  payments.      I have also documented call times and who I 've spoken with at different stages in the process. Each step along the way, I would confirm my goal of PSLF, and continuously I was assured that a forbearance they recommended ( while locating paperwork they had lost, for example ) would not affect my qualifying payments. I was routinely given alternative facts and my account was mishandled. And 5 years into nonprofit work and making monthly payments, my student loan amount has only increased and my account only shows one and a half years of qualifying payments.     I 've done my best to record conversations after my account was continuously transferred to new loan servicers. Currently, I am told by   XXXX   XXXX   that I need to follow up with  Navient about disputing qualifying payments. But Navient  says they 're no longer my loan provider and is unavailable. Also, their number  XXXX  is not connecting today ,  XX/XX/XXXX  Please  advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am contesting the amount owed on our home loan. in XXXX XXXX we had our loan with XXXX. They offered us a modification on the loan to which we accepted. Signed the documents had them notarized and sent back. We began making the modified payments and thought everything was ok. However 5 months later we received a letter from XXXX stating that they denied our modification due to lack of notary seal. They sent back the original document to prove it was n't done. However the document was notarized and signed by the notary before it was sent back to them when the paperwork was due. It was not an ink stamp and was a raised seal. They then had us start all over in the process and refused to enact the already given modification. This went on for years. in XXXX of XXXX we received an intent to foreclose from XXXX and filed for chapter XXXX bankruptcy.They filed a claim stating the amount per month was {$750.00} and the arrears on the loan was $ {$25000.00}. The payments made into the loan during that time never showed either the arrear payments nor the actual monthly payment of {$750.00}. The payments were always a lot larger and the balance never came down. Payments during this tine and before the bankruptcy were credited then removed years later with no reason as to why and no notification that they were removing the payments. For example : The payment made on XXXX/XXXX/XXXX was reversed on XXXX/XXXX/XXXX never credited back and was reversed for a second time on XXXX/XXXX/XXXX. The original payment for the XXXX/XXXX/XXXX payment was n't credited to the account until XXXX. This has shown up on the ledger more than once. No checks bounced no payments returned to us and the balance kept going up up and away. The loan has been transferred twice now since it was with XXXX and we have been attempting to make heads or tails of it since then. When told by our current servicer ( Caliber home loans ) that they didnt have any information on the loan we needed to contact the original servicer we thought something just wasnt right as all of that information should have been sent when the loan was transferred. Caliber had misinformation on the loan as well. They stated the that loan was an adjustable rate mortgage when it is n't. We signed for a fixed rate mortgage. This has been a disaster that is now ending again in foreclosure when it should n't as we are in the beginning stages of a modification with our current servicer.

Company response to consumer: Closed with explanation