BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. It is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On or about XX/XX/XXXX I try to apply car loan with XXXX the creditor inform me that I have a security freeze/ mismatch information on my credit report I never place a security freeze on my credit report on XX/XX/XXXX I checked my own credit report I foundout that experian change my name on my file without my knowledge at point I drafted a dispute letter notorized it send along with my drivers license social security card and us passport card as proof of identity as of today experian did respond to my disputed lock me out of credit report all without my knowledge

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 2021-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/XXXX my bill for my credit card for fifth third bank had a balance of XXXX. I sent XXXX. They in turn tried to cash the check for the check number XXXX. Which over drafted my account. The issue was resolved and my account was credited, but it reappeared again in XXXX. Now they say the balance belongs to me and they have been investigating for over a month. In the meantime they call to say I'm behind payments and I have late fees. Yesterday they said they sent the late payment info to the credit Bureau. This is all been a nightmare my credit is being destroyed and I'm being harassed from collectors. For a computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: I.C. System, Inc.
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 have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.

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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019

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 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was receiving a phishing email ( later determined ) to my school email account saying that there is a student part-time job opportunity in which the weekly salary is {$350.00}. This email asked me to send my personal information to the phone number XXXX. The person sends the email indicating he is the agent of a professor named XXXX XXXX at the University XXXXXXXX XXXX, and the person who owns the above phone number indicates she is professor XXXX. She first sent me a fake check with {$1800.00} to purchase school supplies, and later let a sales representative send me an email that request me to send {$1500.00} to a XXXX account name XXXX XXXX on XX/XX/2022. I reported this situation to my Bank of America fraud department on XX/XX/XXXX, and they replied on XX/XX/2022, that they couldn't approve my claim.

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 2020-04-22
Company: Homestead Designation Services
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I keep getting these deceptive letters from Homestead Designation Services asking me to pay money. 

The letter is official looking and they will not stop sending me mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX I received mail from Wells Fargo ( WF ) indicating someone ( XXXX XXXX ) was attempting to borrow money ( obtain a mortgage loan using my home address ) from Wells Fargo using my home address as the property being borrowed against XXXX I called Wells Fargo and spoke to ( 2 ) people XXXX and XXXX ; neither of which could assist me. They refused to put me into contact with WF Security and Fraud and informed me that their Mortgage Dept. was closed until Monday I am a current WF customer for 35.5 years. I went on-line and attempted to contact their security department and the only option I was provided was to schedule an in-bank appointment with a personal banker XXXX @ XXXX I met with XXXX XXXX and her supervisor XXXX XXXX. XXXX called the Mortgage Dept., left a message, made copies of the letters I received and I have heard nothing from her since then. They did put a credit alert on our accounts. Case # XXXX o XXXX informed me that an XXXX XXXX XXXX would contact me ; never have heard from this person XXXX I got a Federal Express envelope with WF Loan application and documents. I proceed to call the WF Mortgage Dept. in XXXX attempting to reach the loan person XXXX XXXX, XXXX, # XXXX. I left message on XXXX and XXXX and have heard nothing in return XXXX I called again and spoke with another person XXXX XXXX, who called the incident compromised data ; never heard further from her XXXX called WF spoke with XXXX XXXX ( WF Mortgage Dept. ) @ XXXX # XXXX, who took a report, case # XXXX and I have since emailed him and he told me he has nothing to report XXXX called Corporate Exec Offices, I called XXXX XXXX, WF : XXXX, who told me to call Mortgage Dept., no return call from Mortgage Dept. 
XXXX called Corporate Exec Offices spoke with XXXX ( refused to give me her last name ) at WF XXXX, she took information and I heard nothing in return XXXX call XXXX XXXX again, XXXXX and no 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 2019-12-22
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX year old male living in Massachusetts with my wife, and XXXX children. I have been unemployed since XX/XX/XXXX. My wife works 32 hours a week and we have been struggling to keep up with our bills. In XX/XX/XXXX, we began to find we could not cover our monthly mortgage payment. Our home lender at the time, XXXX XXXX, approved a temporary mortgage forebearnace till XX/XX/XXXX or until I got a job. However, they sold my mortgage to Specialized Loan Serving in Colorado in XX/XX/XXXX. This company has been extremely difficult to deal with. They frequently do not answer when I tried to contact them during weekly business hours. They frequently call me leaving harassing messages that I am delinquent on my loan and have sent me several letters in the mail saying I am delinquent on my loan and they are going to foreclose on my home, only to send me another letter the following week saying " we inadvertently send you a notice of intent to foreclose, please disregard ''. They also said I owed over {$18000.00} which I do not believe is correct as 7 months of mortgage payments would be around {$7000.00}, plus any late payment or other fees.This has caused my wife and I much distress, and contributed to exacerbating some health concerns we have. I now have found a job and will start the end of XX/XX/XXXX. However, when I contacted Specialized Loan Servicing to inform them I had found a job and could begin making my scheduled monthly payments in XX/XX/XXXXbut needed a loan modification to arrange to pay off the 7 months of monthly mortgage payments I was excused form under the forebearnace, they would not talk with me. The said I needed to fill out a loan modification request form on their website and submit it. They said it would not be reviewed for 30 days and then a decision would be made after that. By that time, my mortgage forebearnace would be over and they could try to foreclose on my home even though I now have a job and want to resume my payments. I feel that this is unfair after XXXX XXXX gave me the mortgage forebearnce in good faith with the understanding that I could then begin to pay my mortgage payments when I did get a job and work with me to do a loan modification to arrange to pay the past amount due.

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 2022-05-02
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owe Nothing to Penn Credit Corporation. The debt was with A medical provider under contract with my insurance carrier. The provider was paid the allotted amount under the contract. 

Penn Credit is attempting to collect a fraudulent Debt thats is not owed.

Furthermore Penn Credit has impacted my Credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter dated XX/XX/2022 from McCalla Raymer Leibert Pierce , LLC with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew Powers of McCalla Raymer Leibert Pierce , LLC and McCalla Raymer is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal McClalla Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer, Loan Care, claims they have not received my XXXX payment. I sent them a letter and also attached bank statement showing the funds leaving my account. The letter was sent XX/XX/2020 and I have yet to hear anything from them. See letter below. 

XX/XX/2020 To whom it may concern, RE : Loan Number XXXX When I received my XX/XX/2020 mortgage statement the payment due did not deduct the payment that left my XXXX account on XX/XX/2020. When I called the servicer on the phone on XX/XX/2020 they said they never received that payment and that I should make a payment over the phone to avoid being reported to the credit agencies so I made a telephone payment for {$2500.00}. I would like the 3 payments that I made below all applied to my outstanding mortgage. 
XX/XX/2020 for XX/XX/XXXX - {$2500.00} XX/XX/2020 telephone pmt in order to avoid credit score problems - {$2500.00} XX/XX/2020 for XX/XX/XXXX - {$2500.00} I would like the extra payment I made over the telephone to be returned to me at my address below. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email XXXX Cell Phone 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 2019-12-22
Company: SYNCHRONY FINANCIAL
State: PA
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 had my Identity stolen on or about XX/XX/XXXX. the party attempted to apply for a Synchrony Bank/Paypal credit card under my name. It was denied and my Paypal account was closed. Additionally a hard credit inquiry appears on my XXXX credit report. I have been unable to get it removed. I would like to get it removed. Thanks, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from my credit report.

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 2019-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After numerous attempts, USAA categorically refuses to delete my membership. This represents a personal security risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS DEBT WAS THE RESULT OF IDENTITY THEFT, I DISPUTED THE CHARGES. THE DEBT COLLECT IS USING FALSE AND THREATING TACTIC TO TRY AND COLLECT THIS DEBT. THE DEBT COLLECTOR NEVER VALIDATED ANY OF THIS DEBT WITH ME, THEY IMMEDIATELY REPORTED THE DEBT TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On my credit report with TransUnion, XXXX  and XXXX  it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by TransUnion that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as Transunion states thats the reporting individuals.I also have a credit freeze with multiple agencies.

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 2021-12-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XXXX of 2017 from the California State Controller informing me that I had an unclaimed balance of {$1600.00} in escrow funds from a mortgage that I paid off in XX/XX/2017 on a property in California. I contacted PHH mortgage and was eventually able to get them to send a check for this amount to me. I did not receive the check, and when I called was eventually told that it had been sent to the mortgaged property address, where I do not currently live. I had originally included my current address in my request. I have since contacted the company repeatedly and unsuccessfully by phone and email to try to get another check sent to me at my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I have made a purchase on XXXX as I do over hundreds of times a year : The payment was handled by XXXX as payment for merchandise : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX ( globalcoinlogistics ) Payment - {$32.00} However the Chase Credit card classified the transaction as cash advance and charged me not only a {$10.00} fee but confiscated the rewards points that I would get as result of it. 
Despite bringing this point to credit card I was told that the transaction was coded as cash advance and it doesn't matter that the reality is different. 
It appears that Chase doesn't feel it needs to protect consumers from unauthorized use but it aids and abets fraud as long it can profit from it. 

I have never used cash advance anywhere before I am completely surprised and shocked that Chase would be engaged in activities such as this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I got a personal loan with XXXX XXXX XXXX XXXX for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled. 
2. Late Fees will be disabled. 
3. XXXX will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan.

5. If your Loan is a Promotional Loan, th
e remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires.

6. Billing Statements will be suspended. 7. Interest will continue to accrue during the 120-day period.
8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call XXXX XXXX XXXX in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru XXXX XXXX XXXX has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.

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