BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Once I was released from the XXXX I contacted XXXX XXXX  customer service department and explained to a XXXX XXXX XXXX that I had been XXXX XXXX XXXX XXXX XXXX XXXX which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the XXXX in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My XXXX XXXX bill had always been paid on time until I got XXXX with XXXX XXXX 

Per the guidance provided by the XXXX XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX XXXX would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXX website and by the XXXX XXXX representative I spoke with, XXXX XXXX did and continues to report late payment ( s ) to the credit reporting agencies, Transunion, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXXXXXX XXXX XXXX XXXX. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.

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 2021-01-19
Company: Bread Financial Holdings, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Our XXXX credit account was closed without our knowledge. Upon checking why, the company said there was a discrepancy with our social security number on file. We checked it and there was no discrepancy. The company claimed to have sent a letter requesting information which we never received. We wrote the company requesting the source of their information showing a discrepancy and never received anything. We paid whatever we owed them and filed a dispute with XXXX  which was supposed to have cleared our account, but upon checking our credit report, it still shows that we have a balance owing to XXXX of {$55.00}. We need this cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : A certified mail debt validation letter for two accounts was delivered to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. PORTFOLIO responded in general statements, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted PORTFOLIO. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
My card number was stolen and used for several purchases for XXXX which is a service that I do not use. When I informed bank of America about these charges the lady informed me that there was a gross amount charged to may account in the last month for around XXXX. she then informed me that I would receive that money back to my account in 10 business days. The charges occurred XX/XX/2022 up to XX/XX/2022 for amounts ranging from {$25.00} to {$44.00}. I have been with Bank of America for years and if they would have check my prior history they would know I would never utilize any funds to order something like XXXX XXXX. The fact that they would not even help in getting this taken care of is abhorrent. I will no longer be a client at bank of america.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called transunion numerous times to delete these unauthorized inquiries that I never gave consent to. Please delete 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 2017-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I lost my job during Covid 19 XXXX of 2020, Wells Fargo had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

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 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XX/XX/XXXX because I had no clue that I was in repayment until XX/XX/XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XX/XX/XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

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 2017-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I reporte d Portfolio Recovery bo th here & to the FTC on  XXXX / XXXX /  XXXX  , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by  bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE  XXXX  SINGLE ACCOUNT PAST DUE! Until recently, I only had  XXXX  very lo w balance credit  card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having  XXXX   XXXX   XXXX  next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: MUSA Holdings, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX is requesting a validation of debt. According to 15 u.s.c 1692g I have the right to know the total debt amount ; including any and all fees, and whos the original party making the claim.

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 2017-06-14
Company: ECMC GROUP, INC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?

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 2020-04-22
Company: Selene Holdings LLC
State: FL
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 closed on my house on the XXXX XXXX and had a settlement statement shown paid to Selene Finance. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AES/PHEAA
State: VA
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: Problem with personal statement of dispute

Complaint:
Opened a few investigations in negative credit reportin g of ninety da ys late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,  2017  ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all  XXXX  credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : A certified mail debt validation letter for was delivered to CMRE dated XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. CMRE never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX and XXXX investigated the debt to be inaccurate and deleted CMRE accounts. XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LVNV FUNDING LLC ), and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) LVNV FUNDING LLC - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold a kitchen set on XXXX XXXX. I received a offer to purchase it. The person asked me if they could pay me with Zelle. I said yes so the purchase price was {$320.00}. I gave them my information meaning my name and my email address which is related to my Zelle account at XXXX bank. The buyer told me to check my email to verify that I got an email from XXXX regarding the money was sent. I checked my email and I saw an email from Cell saying that {$320.00} was sent but was not able to be deposited because I needed a business account and in order to open a business Account I needed a minimum of a {$720.00} transaction. The emails said that the buyer would have to send me an additional {$400.00} to make a minimum of a {$720.00} transaction to open a business account. The buyer then messaged me again that they got the same email and were reluctant to send another XXXX because they didn't know me. They said they would be willing to send the other XXXX if I gave them their word that they would refund it to me as soon as I received it. The buyer then told me they sent the other XXXX and I should've received an email stating so. They told me to check my email again which I did and the email which appeared from XXXX told me that there was {$720.00} available for me and needed to be released from my buyer in order to open the business account and receive my money. The buyer said they also received the same email and said before they would release the money to me they wanted to make sure they got their XXXX back. So I sent them {$400.00} which they said they never received. And consequently there was never a release of the money of XXXX to my account. The XXXX was withdrawn from my account via Zelle so I know they received it. They then proceeded to send me another email from XXXX telling me that I needed to buy a license for XXXX. That is when I put the brakes on and figured that it was a scam. The money was sent via Zelle to XXXX XXXX with email address XXXX. It was noted as XXXX transaction number XXXX. This all took place on XX/XX/2022. PLEASE NOTE MY EMAIL RELATED TO MY CHASE ACCOUNT IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/XXXX I called into Quicken loans ( XXXX ) to inquire about potentially refinancing my VA mortgage. At the time, the agent who assisted was asking for details around my finances, home value and taxes. The agent also inquired about my credit situation at the time. As she was collecting my information she expressed that she needed more information, so I provided it. The information involved personal demographics and my social security number. At no time did the agent apprise me of a credit bureau inquiry and I did not think she would pull a hard inquiry. But she did. And since then it has had an undesired effect on my credit worthiness. 

Any time I have refinanced my VA mortgage, I have not had to endure a hard inquiry but have always needed to provide my social security number. 

On XX/XX/XXXX, I called Quicken Loans ( XXXX ) to request having the inquiry removed. I was followed up with on XX/XX/XXXX by XXXX XXXX, and advised that providing my social security and other information was implied consent, and the company had every right to do the inquiry - at that time. He also informed me that ( at that time ) this was an acceptable practice at the company but their policy has since changed as of XXXX of XXXX. As of then, he informed me, they must have express consent prior to pulling credit. I asked XXXX to pull the call to validate the non-authorized inquiry. However, he explained to me that there are only six months of call recordings available before they are deleted. 

I would like to have this complaint on record and request that this be further investigated since Mr. XXXX admitted to me that this has been a historical issue within his employer and its business practices and on the basis that these records are disposed of before a reasonable time frame. 

Thank you,

Company response to consumer: Closed with explanation