BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year my loan had gone through a loan modification through Loan Care. I have always made my payments on time, but by XXXX 2021, I started to receive automated and live phone calls from Loan Care . While some of the representatives were respectful and " pretended '' to be helpful, there were several that were not. Each call inquired as to why I had not made a payment and the ones that were disrespectful, were demanding and belittling. Each individual I would have to explain I had made every payment on time, but for some unknown reason Loan Care was moving my payments to another account, which made it appear as if I had not paid my mortgage. They would check and discover what I was saying was the truth. Each representative/supervisor/manager/ would add a note and advise " you will not receive any more phone calls. '' However, the phone calls continues and by XXXX I had spoken with Loan Care representative over 20 times, from their Collections, General Representatives, and Mitigation department, spending over 30 hours on the phone. This is not including their automated phone calls, with an approximate number of an additional 30 phone calls. 

Also in XXXX I received paperwork in the mail, from Loan Care, that I needed to make a payment or my property would be foreclosed. I again spoke with another representative who was finally able to correct Loan Care 's mistake and moved my money to the correct account. I had enough money, that I was one month ahead of payment and still had nearly {$700.00} credit on my account. 

However, this did not stop the phone calls, since XX/XX/2021 to XX/XX/2021, I have received an additional 30+ phone calls. Every time I received a live phone call ( where I am speaking with a representative ), I have to tell them to review their notes and ask why they are calling me. Each time they apologize and advise they are from the Collections Department from Loan Care. They each advise they have added a note to my account and I " should '' not receive any further calls... .which is untrue. Today specifically I have received 4 automated phone calls and one live phone call, where the representative called me to tell me his computer is not working and placed me on hold for nearly 10 minutes. I had to ask him several times why he was calling and he would just advise his computer was not working, but to " hold. '' After 10 minutes, he told me to call him back " when my computer is working. '' I advised him I would not call him back, as I am tired of the harassing phone calls and mail.

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 2020-06-10
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC wont let me transfer money to apps. It doesnt work for XXXX, XXXX, or XXXX. And when I tried to open another bank account with a different bank it wouldnt let me transfer money there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, Fifth Third bank started charging my checking account {$11.00} per month as a service fee. I have had the account for many years with no fee. I did not agree to this charge. They refunded one month of the fee but will not refund the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

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 2016-03-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a credit alert from a VANCE and HUFFMAN , llc. on my credit report with XXXX XXXX wit a XXXX XXXX collection account. I have no knowledge or any attempt from this company. The time is suspect as the debt is showing on my record to reman until XXXX  which is 2 years away. This debt is possible out of the time line and I have asked to show my contractual original debt information. 

There seems to be a racketeer with Debt agencies and credit reporting companies. Once they notice individuals/consumers are trying to affix and maintain their improved credit records, they locate some old debt and try to harm the individual. The credit bureaus seem to be in the loop as well. Times have brought out those that profit and prosper on other 's misfortunes. ( as some have had medical, layoffs and other unfortunates that keep one in perpetual free fall in financial restraint ). 

ISSUE I was never given a chance to discuss, discover or otherwise on this debt with the collection agency, before it is placed on my credit. The debt agencies are suppose to give you notice and time, not just stick on your credit. No dates or time line given. It shows up as Derogatory on XXXX. I haven't had a chance to make any type of action. This is the first I have heard of the aforementioned agency. 

This is an attempt to create a new debt, that isn't! This is wrong and so PREDATORY OF CREDIT AGENCIES, SPECIFICALLY THE AFOREMENTIONED HUFFMAN & LLC.. IF I SPOKE TO THEM, I WOULD HAVE REQUESTED TO PROVIDE VERIFICATIO OF DEBT AND ACTED ACCORDINGLY with regards to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would respectfully like to file a complaint against XXXX XXXX XXXX I Never had an account with XXXX XXXX XXXX nor a credit card from such back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Att has been trying to exhort me for money I dont owe them. I have told them that, and provided them proof that if and when an account was opened up there I wasnt living in the property, however my x-wife resided at the property after we split, and then she rented it, before we got divorced and sold it, they have been trying to collect {$390.00} or sometimes XXXX, and other amounts, from me and I called them about this and they said they would get it corrected and removed, but the harassment and assault to my credit by four different collections agencies since XXXX has not ceased and I'm tired each time I have had to spend countless hours and time and resources to have it removed from my credit report and it needs to stop. XXXX XXXX XXXX. XXXX XXXX XXXX, some other company, and now XX/XX/XXXX, I.C. System Inc. This has got to cease, this is illegal, for any all and all companies to just throw a charge on your report as many times as they want without honorable merits, I asked for my id or signatures of the contract, they never provided it, nothing but statements generated that I didnt own or make a bill for in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I still have not heard anything back from this credit bureau. This is my 3rd complaint and i 've sent a total of 3 disputes as well with everything requried by identitytheft.gov and the ftc. The attachment has my ID theft report. Thank you so much for helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have this XXXX XXXX which was closed over 7 years ago and it still shows up on my report. 
Please help me thank you

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 2016-03-16
Company: First Associates Loan Servicing LLC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.

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 2015-12-02
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Cornerstone Home Lending Inc.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation