BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/2017, I ended my service with XXXX. I paid my final bill and there was a small balance left over for the devices that I had under a payment plan.I remained in consistent contact with XXXX and the bill for those charges came due on XX/XX/XXXX. On XX/XX/2017 I called to discuss arrangements for the bill. I 'm waiting on my new phone carrier to provide me with the funds to pay XXXX out, but in the meantime I understood that my bill with them was due so I called and asked for a settlement since I do n't even have ownership of the phones anymore. Each representative that I spoke with on that date acted as if they did not understand what i was asking for. On Monday, XX/XX/2017, I received a call from Convergent Outsourcing on behalf of XXXX stating that my account is now in collections. I immediately called XXXX to inquire about why they sent my bill to collections without any warning or notice. My bill just came due at the beginning of the month and they are in violation of Section 806 and 808 of the Fair Debt Collection Practices Act. They had no right to send my account to collections. According to a customer service representative with XXXX, they sent the bill to collections on XX/XX/2017 and can no longer speak to me on my account. It is ironic that ONE day after I called to make arrangements on the account I all of a sudden am being sent to collections. Someone either assumed that I was n't gon na pay or sent to me to collections because I asked for a settlement and I did not ask them to do that. They can ruin my career of this were to go any further. I settled the account yesterday with XXXX XXXX at Convergent Outsourcing. She promised to send me a letter immediately confirming that the account has been paid in full. I have not yet received it and every time I call back I am told a different story. This is a complete nightmare that would have never happened had XXXX not broken the FDCPA when dealing with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!

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 2016-05-30
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 I received several new emails from Wells Fargo, stating that I had applied to open a checking account and it was approved in my maiden name. XXXX XXXX my current name is XXXX XXXX for the last 25 years. The other emails were about starting online banking how to sign up, and another email was about changing the email on the account. 
I called Wells Fargo and they did confirm that an account was opened today. It was a checking account with a zero balance. The account was frozen while they investigate it. I did fill out a police report, and call the credit bureaus. I also notified several of my Banks. And placed it alert on my credit bureau accounts.

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 2016-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for, and received, on XXXX XXXX, 2016, a Capitol One Platinum MasterCard, credit limit set at {$300.00}. I activated the account on-line immediately. I first attempted to utilize the card on XXXX XXXX, 2016 for a purchase slightly over {$10.00}. The card was declined. When I checked the account on-line, it showed the account as restricted. I contacted Capitol One by telephone on the morning of XXXX XXXX, 2016, and was told ( by XXXX ) there had been fraudulent activity on the account, and he acknowledged the attempted {$10.00} purchase. After thirty minutes without resolution, I requested a call back if there was resolution, and XXXX requested my telephone number. I did not receive a call. XXXX minutes later I used the Capital One on-line chat feature to request ( agent XXXX ) cancellation of the card. I was told I would have to call Capital One. I explained I had spoken to them for thirty minutes just earlier without any solution or resolution. I explained I considered the account closed and would not be utilizing it, would not accept responsibility for any charges, and would send written request to Capital One with a transcript of our chat. XXXX provided me with their mailing address. We concluded the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: KS
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:
I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had made payments on the XXXX mortgage for over 10 years with out a late or missed payment. PNC Bank asked that I pay in full and when I requested a hardship modification in XX/XX/XXXX they sent it to me on XX/XX/2015. When I contacted PNC Bank they indicated I had 30 days to complete it and that my representative was XXXX @ XXXX. XXXX. When I reviewed the documentation is does n't have XXXX 's name or due date. When I contacted PNC again they indicated I had until XX/XX/XXXX. I contacted them again and was told it had to be received by XX/XX/XXXX but should be postmarked by XX/XX/XXXX. No where is this stated. This is the 2nd time PNC has sent me Hardship Documentation with no due dates specified, the 1st time they denied me saying they received it too late. It was too late by a day. This is systemic behavior of 'moving goalposts ' to an avoid a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me. 
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX, a Sallie Mae advisor advised me, that Sallie Mae loans came with income driven repayment plans. Due to this verbal quote, I decided to use Sallie Mae, in addition to my federal loans, for XXXX. Apparently, during this time, Sallie Mae was associated with XXXX ... I 'm sure you know where this is going. 
Once I graduated in XXXX XXXX, I was applying to between XXXX jobs daily. I was turning up short. In order to stay afloat, I was XXXX but after paying for living expenses, I was tapped out. Six months after graduation, Sallie Mae reached out to me to pay up. I was able to " forebear '' the loan for a couple of months, but the way it was explained to me was that it was deferred. I had deferred my federal loans, due to my low income, so the way that the forbearance was explained ; it seemed almost exactly the same. 
Several months went by, I think it was XXXX or XXXX XXXX when Sallie Mae reached back out to me, and insisted that I start paying the XXXX dollar a month loans. I just did n't have it ; honestly, I did n't have it until XXXX XXXX. I fought with Sallie Mae to get the income driven repayment plan that was verbally quoted to me in the beginning of my start in college. Apparently, this did n't exist. It took several months of fighting with Sallie Mae to get the minimum amount due down to a doable amount. I had confided in my parents to help with the loans, and when my mother had agreed to help me pay back this loan, Sallie Mae would n't take her checking account, because it was n't in my name. It was already hard enough, asking my low income XXXX mother for help, and then when she agreed, they would n't take her information!! Because of this, my mother and I had to go and open a joint checking account, just to please Sallie Mae. Since this all happened, we 've consistently been paying the monthly payments and the account is current. 
During the negotiating time with Sallie Mae, they reported to the Credit Reporting agencies that my account was delinquent and this has drastically affected my credit score. My credit was fantastic and I always paid my bills on time. I knew that I would n't be able to pay the amount that Sallie Mae had been forcing me to pay up at that time, that 's why I had tried negotiating, which actually did work, the monthly payment was lowered. 
When I reached out to Sallie Mae credit dispute department a month or so ago, I basically said in the letter, that the marks on my credit were due to both my non-payment, but also their misrepresenting themselves to young and naive college students. These marks on my credit are based off of lies, which is fraud, a criminal offense. All I ask is for the marks to be removed, I 'm not threatening legal action at this time, but if necessary, I will.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I first received a loan modification from Stonegate mortgage on XXXX 2015, at this time my payment was going to be XXXX, estimated then went up to XXXX after I had signed the new paperwork at the XXXX payment, they agreed this was their mistake and each time they told me I could fill out a loan modification packet to get my account current again after i kept complaining that the payment was not what I agreed upon. Now for the past year I have been filling out loan modification paperwork maybe four our five times ( different packets ). Each time I am told I missed the deadline. I even had it certified mail and the packet was there on time, they said oh no you missed this, after I was told what I needed to send in and my packet was complete, either by mail, or phone or email. we dont understand what this docoument means, this needs to be certified, the bank statements are not current, the payroll is not current. i now received a letter of default, the XXXX one today. I know I am doing my part getting the paperwork in. I talk to people on the phone and we go over everything, that is needed. I resend it, but sometimes when I am on the phone the person says dont worry about that it is more then sixty days old. Then I talk to someone else and they say oh no you need to send it. I have yet talk to a person that is handling my case, only someone that looks at the paperwork and checks the documents. I am thoughly stressed, and upset. I am doing my part and they seem to not care. The last modifcation to me was totally wrong, after I signed the paperwork they then added on escrow and insurance, ontop of my new mortgage amount. I complained to anyone that would listen. Now I am stuck with a year of resending the same paperwork over and over and it is like a huge game to them. Is there any protection for the consumer? IF you have any answers on what I need to do or who I need to turn to please let me know.

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