BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-30
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
C.P.A. has reported to at least XXXX credit bureau I have a debt in collections which is not mine. They claim I owe {$1300.00} to XXXX XXXX from an address in XXXX, TX in the year XX/XX/XXXX. I have lived in my current address since XX/XX/XXXX. They do n't have my SSN. Nor did they check if I ever lived at the XXXX address in XXXX, TX. 

I have called them and they are telling me I must go through all the credit bureaus to take care of a problem they knowingly created. On top of that, I was trying to make major purchase when I discovered this. As a result I did n't make the purchase because of the higher interest rate caused by the credit score. The purchase at the terms I was trying to get is no longer available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On Saturday XX/XX/XXXX I called Ed financial to get a refund on the payments that were made since XXXX of XXXX. I spoke with a customer service representative and did not have a problem processing my request. I was told there was no email notification for my request and the process could take up to 6 months? I am not sure why the process is taking so long, and there is no type of communication for the request process. A few days later I had emailed Ed Financial to get an update on my request to ensure it was being processed and I still have not heard anything back. The communication has been very poor, and there is no system in place to track the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In a desperate financial moment a few years ago I took out a {$3100.00} loan from NetCredit. For years I have been making timely payments. 

I've been going through a divorce for the past year, and was forced to change my checking account provider. I chose XXXX XXXX  - it's an online bank. My paychecks are directly deposited there twice per month. 

Since that time, NetCredit has annihilated my credit rating. It has tumbled some 100 points. I have spoken with associates every single month since then, and each time they tell me something different about why they can not take my payments. They have taken a few since I switched, but then sometimes don't and subsequently lower my score by 10-20 points. 

Also their notes, of course, never reflect the conversations I have with them. I finally opened a new account just to pay that one bill. It turns out they trashed my credit rating because their associates, including the collections manager, did not realize XXXX XXXX existed. 

This bit is beside the point, but also I still owe {$3400.00} after almost three years of timely {$160.00} payments - this is after borrowing {$3100.00}. 

Clearly NETCREDIT operates via some loophole in deficient consumer protections laws. 

They exploit consumers at their low points, charging them unimaginable amounts of interest, and then destroy their credit ratings if they switch to a bank they don't prefer. 

Just to clarify- I NEVER have attempted to pay NetCredit with a credit card. I have twice signed up for auto draft and they never seem to process it. I have at least XXXX times made phone payments that they do not complete for one reason or another. Finally - they don't even do me the dignity of notating my attempts to make payments or set them up. 

I feel NetCredit 's treatment of myself and probably many others is completely unethical and should not be allowed in the United States of America. NetCredit 's parent company, by the way, is operated by Americans, but they operate out of XXXX. It's very obvious why they would be based there - the practices of NetCredit are inconsistent with the values of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Trip ID : XXXX Capital One Venture On XX/XX/XXXX my family and I were to arrive in California and stay in the " XXXX XXXX XXXX  ''. I had started feeling XXXX  and because of the current outbreak with covid-19 felt it not safe to travel. I spent over 10+hours on hold with 5hrs.42mins of that happening on XX/XX/XXXX when the rep. contacted the hotel and asked if this reservation could be cancelled without penalty and was told yes. The rep. then got back on the phone with me and said that now this would go to there refund department and she would contact me in a few days when this was complete. I have heard nothing since from the travel department. I have reached out through social media and phone calls with zero luck. I don't have 10+ more hours to spend on hold to ask a question. I spent {$370.00} and XXXX points on this trip, I just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed a collection that is on the report. I contacted XXXX XXXX, the originator of this account and they told me to contact Transworld Systems, the collection agency. They have it in their records that an address in XXXX ( XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) used my name, home address, and social security number to get this service in the amount of {$1000.00} and its more in collection. I don't know anyone in XXXX and somehow they connected my actual home address to this account even though they used it for a XXXX address. I contacted XXXX and provided the police report that I had written at the police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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 sent the credit bureau experian to verify these accounts obtaining the original source required under the law. They have not properly investigated these accounts. They have reached out to the creditor and still have not provided any documentation supporting the accounts are indeed verified and correct. Im reporting experian for NEGLIGENCE NONCOMPLIANCE. This is what I sent to them Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2016-12-30
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our escrow has not been adjusted appropriately. We acquired our home XX/XX/XXXX. We currently have a mortgage through LOANCARE. Taxes at that time were {$3100.00} annually because the home was rented out. The taxes were paid by seller for XX/XX/XXXX as part of our closing agreement. We applied a homestead exemption immediately so we could get a tax break for XX/XX/XXXX. Taxes for XX/XX/XXXX totaled {$1600.00}, which is significantly less than XX/XX/XXXX. No adjustment was made with regard to how much money the bank is collecting for escrow account. I have requested this change via email, fax, and telephone, and have not received a response from LoanCare. Very poor customer service.

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 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to 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 explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I reached out to the XXXX XXXX XXXX XXXX to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX line of credit of {$50000.00} with balloon payment due in XXXX, 2015. Requested modification of the loan to pay back principal plus interest. Completed all paperwork but was then transferred from the then current XXXX XXXX XXXX to SLS Loan Servicing. I completed the necessary paperwork again with SLS and they continued to indicate incomplete processing and duplicate requests for the same documents over and over one document at a time. This continued for the next 8 months. I was finally denied modification, but was encouraged to complete modification paperwork again. I then completed a third set of paperwork At no time during these 8 months was I ever told by any SLS representative that the loan was not eligible for modification. In the meantime, behind the scenes SLS had begun foreclosure proceedings as early as XXXX of 2015. I found that out when I was charged for an inspection of my property. I completed a third set of paperwork, SLS claimed it was incomplete and was denied. They then proceeded with foreclosure. My primary mortgage is with XXXX and has never been late. Also, during the time the line of credit was open, those payments were also never late. SLS has now marked my credit and has made it almost impossible for me to refinance the loan. Had I been told back in XXXX of 2015 that the loan was not eligible for modification, I may have been able to refinance the loan and would have avoided the unnecessary foreclosure proceedings that followed. They basically wasted my time all these months and accrued unnecessary interest. There are so many complaints out there against this servicer for similar improper procedures. In order for the problem to vanish, I had to withdraw the funds from my IRA to pay off the loan with interest and about {$3000.00} in foreclosure fees. I appeared at a foreclosure conference and the mediator in fact agreed these practices were unjust and ordered the attorney to adjust some of the fees. I was never contacted by counsel for the bank about foreclosure until the day I was served papers. The mediator was angered at the practices of SLS and the law firm and indicated that a reversal of interest could ensue. Now I am told that the dismissal of the foreclosure action can take another few months, even though the loan is fully paid. Someone has to stop SLS and protect consumers from these scamming tactics they employ.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-10-14
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than {$460.00} a month. 
In a statement dated XXXX/XXXX/2016, SLS without explanation increased monthly mortgage payments to {$1700.00} ( XXXX ) from {$1200.00} ( XXXX ), an increase of {$460.00} ( XXXX ). Before SLS began servicing this loan I had executed a modification plan with XXXX, the original owners of the above mortgage loan, in which I was to pay {$1100.00} ( XXXX ) monthly. After it began servicing the loan, SLS ignored the terms of the modification agreement and increased my monthly payments to {$1200.00} ( XXXX ). After that increase, I spoke with SLS representatives for weeks and remained confused about how payments to SLS were credited to my account. To date, I have gotten conflicting and confusing answers from SLS representatives. 

My total annual Real Estate County Tax payments is {$6100.00} ( XXXX ) ; total annual homeowners insurance is {$2300.00} ( XXXX ), for a total of {$8500.00} ( XXXX ). The escrow increase of {$460.00} a month amounts to an annual amount of {$5500.00} ( XXXX ). My current escrow payment is {$550.00} ( XXXX ) a month or {$6600.00} ( XXXX ) a year. Added together, the escrow increase by SLS amounts to {$12000.00} ( XXXX ) to cover expenses of {$8500.00}.

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 2022-04-15
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, has 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 an account without my written instructions.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX of this year I attempted to purchase a credit repair program, from someone named XXXX XXXX, one of his Company websites is XXXX, the cost of this program was {$1000.00},. I did a XXXX transfer. In return all I received was a data dump of useless information, it was the equivalent of buying a tv and opening the box to see a box of bricks. I attempted to retrieve my money from XXXX XXXX, but he began to ignore me so i attempted to request my funds back from Bank of America explaining the situation and that I was a victim of a scam. the claim number was XXXX, I also filed 2 claims with the FTC XXXX and XXXX. Unfortunately Bank of America was not able to assist with this and closed the claim. 

I am mentioning this claim because it was mentioned as an issue by one of the representatives, when I began trying to understand why a 10 year old credit card account was excellent payment history and in current and good standing was closed. 
I have been a customer of Bank of America for over 20 years with no issues until recently. I received a letter in the mail stating that my credit card of 10 years had been closed due to unusual authorized user activity. When i called for clarification no one was ale to explain what exactly the activity entailed. I inquired whether adding and removing authorized users was a violation of my terms and they said no it was not. After dialing multiple numbers I did speak to a representative in the credit department who stated that I had a claim on my account, but I mentioned to him that it was not my credit card that had the claim, He still inferred it may have some bearing on the decision. Ultimately I was given the answer that XXXX filed a report about my authorized user activity, but Bank of America could not provide the report. After my calls I also received several contradictory letters stating the account was open and my account history which was all excellent, this left me confused. Since Bank of America is the issuing Bank I would think ultimately the decision is theirs to open or close my account. I feel i was treated unfairly to have my account closed without a chance to dispute. Since then my credit score has dropped drastically due t losing my oldest card, which has made it difficult for me to get financing for my businesses. I also have a {$79.00} credit on the card that I am not sure what to do with since i can not charge anything to the card and can not transfer it to my other 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 monetary relief