BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-19
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX  opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX  data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and 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 2022-05-31
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:
I have attached a letter with an account that is reporting a collection inaccurately to my credit report which is a violation of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a n atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: United Military Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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:
please see attached document

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( PORTFOLIO RECOV ASSOC ) at ( XXXX XXXX XXXX XXXX, VAXXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live on XXXX XXXX in XXXX, Florida. It used to be called XXXX XXXX but was changed back on XX/XX/XXXX. In XXXX of last year I contracted XXXX along with my fianc. I contacted my mortgage company US Bank and entered into a COVID plan essentially putting a temporary stay on my mortgage payments. Fast forward to XXXX of XXXX, I was provided the loan modification documents and the address reflected XXXX XXXX XXXX, XXXX, Fl XXXX. I called the mortgage company and requested 3 times to change it to XXXX XXXX XXXX as XXXX XXXX no longer exists. Well they never changed it. I have attached the letter that was faxed and received ( I have the confirmation ) and mailed certified return receipt with confirmation on XX/XX/XXXX, XXXX XX/XX/XXXX I send back the loan modification documents and decided to send one set with XXXX crossed out and XXXX  written on top, then another copy that I added / XXXX XXXX XXXX after where it said XXXX XXXX XXXX XXXX I called US Bank and told them since they kept getting it wrong that maybe they will finally acknowledge to make the change. Instead I find out they cancelled my COVID plan and I had to reapply!!!! Well it wouldnt be that big of an issue except for the fact that during the first COVID plan my trial payments were {$1300.00} instead of my old mortgage of {$1500.00}. When I got the final loan modification documents it was going to be permanently {$1400.00} which would save me {$66.00} a month. However now when I reapplied the trial payments are {$1700.00} ( {$200.00} more a month than my original mortgage ) and when my final loan modification comes due after this trial period my mortgage will go up to {$1900.00}! Thats a {$400.00} increase all because the mortgage company refused to change my address to the proper legal address. I asked them over and over to please call or write to me and explain how it is legal to keep my address as an address that does not legally exist anymore only to be ignored. The worst part of this is, when I have to start paying the {$1900.00} mortgage will be when Im due with my second child which will be end of XXXX XXXX and will be on UNPAID MATERNITY LEAVE. I am a XXXX soon to be XXXX XXXX XXXX woman ( XX/XX/XXXX ) and am currently XXXX weeks pregnant ( XXXX XXXX  ). I have expressed this in writing and verbally to the mortgage company and it has fell on deaf ears.

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 2016-01-22
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Applied as a co-signer for my son and the application was stilled denied. 
I am XXXX and retired, but carry an impeccable credit score / FICO ( XXXX, XXXX, XXXX ). 
Plain and simple - age discrimination and work ( retired ) discrimination, against SallieMae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX I received XXXX emails from Wells Fargo Bank regarding a checking account that was opened on XXXX through their phone center. I did not open this account, but was able to obtain what information the individual opened the account with. My name, social security number, email address, and mailing address were correct but the Louisiana drivers license and mobile phone number were incorrect. I contacted Wells Fargo to report this account was opened fraudulently. I live in XXXX, where there are no Wells Fargo accounts and the individual entered a XXXX XXXX mobile number and used a XXXX  drivers license number. Wells Fargo stated that it would take up to 45 days for their fraud team to address this issue. XXXX was the representative that I talked to by calling XXXX. She is in the XXXX XXXX department and gave me a case number XXXX. I have contacted all three credit bureaus regarding this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from RMP about a medical bill for a hospital visit on XX/XX/2020 that has been covered by The Dept. of Veterans Affairs ( XXXX ). The XXXX XXXX XXXX shows that my bill was covered with a {$0.00} balance. I paid the debt for second visit with RMP in full. Please see attachment. I believe that they are being unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - XXXX XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: ENCORE CAPITAL GROUP 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX XXXX - XXXX Experian XXXX XXXXXXXX

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 2017-05-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.

Company response to consumer: Closed with explanation