BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: Solidus Group LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26
Company: Jomax, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a claim on my insurance for XXXX from XXXX XXXX XXXX XXXX. Claim # XXXX I have paid the company the collection agency is charging XXXX file # XXXX more then the amount owed

Company response to consumer: Untimely response
Consumer complaint received 2016-12-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: CA
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:
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/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 2016-08-17
Company: Platinum Holdings Group, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent Transunion a letter on XXXX/XXXX/17 to investigate XXXX # XXXX, a collection agency because I know for a fact that this account should not be on my reports for many reasons, plus, I never done any business with that company. I received a result letter from Transunion stating that the account was verifed. On XXXX/XXXX/2017, I responded to their letter asking them for method of verification since I personally contacted that company reporting that account on my report on XXXX/XXXX/17 and received a response from them on XXXX/XXXX/17 stating that they do not own this alleged debt therefore was unable to validate it. On XXXX/XXXX/2017, I received a result letter from Transunion stating that the account is verified as accurate. I specifically requested on XXXX/XXXX/17 for them to provide me their method of verification, and they bluntly failed to do so, therefore they need to remove this account off my credit report. The credit agency are to report only accurate information on my credit reports, and Transunion keeps failing to do so per law.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TransUnion is the problem. When you report that you have been denied credit based on their credit score, they have a legal obligation to give you a copy of your credit report. They refuse to give you the actual credit score number unless you pay them extra money. This is not legal - they are trying to take advantage of consumers by ripping them off for a service TransUnin has an obligation to provide at ZERO cost. 
ALSO, when you try to order the free credit report they owe you, after inputin your address, etc, into the phone system, it always plays a recording saying " We can not give you a report based on the information you entered. ". Then they tell you about a long list of sensitive documents you have to provide them in the mail in order to even get the INCOMPLETE credit report they are sending. 

These practices are abusive to American citizens, and I believe illegal!

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 2015-04-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Transunion requesting that the debt and public record listed on my credit report be removed. Transunion removed the debt record from my credit report but did not remove the public record. This erroneous information is preventing my husband and I from purchasing a home.

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 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I, XXXX XXXX sent dispute to TRANSUNION to discontinue reporting false info on my credit file hurting my creditworthiness. An investigation was done and the credit bureau says the debt is verified by the collection agency. The collection agency received my dispute and concluded that they donot have any info in their office pertaining to XXXX XXXX or the SS # associated with 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 explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2015-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: BMW Financial Services NA, LLC
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am XXXX and can not make car payments and mortgage payments and they are not willing to work with me. XXXX really is legal fraud at its finest. what constitutes the right for them to do this? they are so ashamed of it that the attachments I will forward you were all intentioanlly named the same in XXXX different emails to throw me off like I 'm stupid. bottom line purchased XXXX in XX/XX/2011 $ XXXX have already paid that in interest and fees. I STILL OWE $ XXXX!!! I asked for a refi and they said no so I can not afford it as I am in XXXX and XXXX. I put an ad to sell it and got numerous call for the current XXXX value at $ XXXX. CALLED THEM TO OFFER THAT TO THEM INSTEAD OF A REPO AND THEM GETTING LESS MONEY AT AN AUCTION AND THEY SAID NO! SO THEY HAVE THE RIGHT TO CHARGE $ XXXX FOR $ XXXX THEY ARE WORSE THAN PAYDAY LOANS. LIKE I SAID THEY ARE FRAUD AT ITS FINEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The auto-debit system overcharged me approximately {$540.00} for the month of XX/XX/XXXX. This placed undue pressure on my financial situation by making a large drawdown on my savings account. The auto-debit instructions make no statement about the potential to overpay for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a zero balance and an $ 812 monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.

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 2016-07-03
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments

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 2016-06-02
Company: ALCHRO INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked First Fed Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated from the University of XXXX XXXX in XX/XX/XXXX and consolidated my loans with Nelnet. I now make payment for the private portion of my loans to Firstmark Services and Nelnet for the Federal. ( I believe they 're one in te same ) I was to receive a 1.00 % interest rate reduction after 48 months of ontime payments for my private loan. I was to receive a reduction to my federal loans also which I finally received after fighting them on it! I have always made on payment for both loans. For some reason they are saying that for my XXXX/XXXX/XXXX payment it was received on XXXX/XXXX/XXXX and therefore late and I do n't qualify for the private loan discount. They changed my due date a few times throughout the period. I do n't understand why I qualify for one and not the other? Most Likely because it was originally a {$61000.00} loan and they collect more Interest. If you look at my repayment history you will see I have been very diligent about payments. In fact I 've never missed a payment on anything in my life! Especially this loan. After over 11 years of payments my balance is only down to {$44000.00}!!! I feel completely cheated that they wo n't honor the interest rate discount. They wo n't provide me with proof of the payment invoice showing the date. The payment was made electronically. I need help resolving this matter. I feel taken advantage of by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: STONEGATE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief