BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: MidAmerica Mortgage Inc
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to pay my mortgage for 3 months the mortgage was sold to another company I've called that company for different times and told him my address to send me a statement they still have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: TX
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:
How can I get XXXX XXXX XXXX XXXX to quit claiming my complaints are duplicate and explain and give proof why they had permissible purpose to access my credit report and why they refuse to send me copy of credit report used for loan # 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

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 2020-10-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing placed an invalid collection on my credit report without any notification. I do not owe this debt. I disputed this numerous times with the credit bureau. I did not receive a response from Convergent Outsourcing and the collection account was not removed from my credit report. I then filed two complaints directly with Convergent Outsourcing on XX/XX/2020 and XX/XX/2020 and have received no response to those either. I am attaching documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: FIRST HORIZON BANK
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Capital Bank financed an investment property in XX/XX/XXXX. They merged with XXXX XXXX a couple of years ago and then last year they merged with First Horizon Bank. When going after a refi on our personal residence, it was discovered that First Horizon has a lean on that property that was purchased XX/XX/XXXX and financed by XXXX XXXX! First Horizon has NO LEGAL RIGHT to have put a lean on that property and I want it removed immediately! 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.

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 2017-01-31
Company: Frost-Arnett Company
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Obama Care mishandled my XXXX claim XXXX/XXXX/2016. Now that my claim is paid by XXXX, Frost-Arnette The Collection Company is trying not to pay me back what I personally paid of my own money. They threatened to seize my assets last year for the medical bill. Even though I had insurance, they were very cruel to me. Tonight they called and said, " this is an attempt to collect a debt .... '' I quickly responded that they owe ME. I do not owe them. Can you please help me get a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
for over a year now I have been trying to get a bankruptcy taken off of my credit report because I have never filed a bankruptcy in my life. my son has filed several times but I don't have anything to do with that. Its not me, I have tried to get this issue taken care of several times but Experian will say that they have requested the information from a 3rd party investigation service which is XXXX XXXX. I have found out that Experian has not requested the services of XXXX XXXX in over 6 years and are simply rereporting what they had with out doing a investigation in the first place. I have a full XXXX   XXXX  report and it clearly states NO BANKRUPTCIES! I have been a victim of identity theft and i need help to fix this problem.

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 2020-10-05
Company: Experian Information Solutions 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:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

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 2015-09-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently purchased a vehicle from Santander USA, I 'm being charged XXXX interest and my payments are XXXX for XXXX months, my question is I 've been making on time payments but I 'm not seeing any change in the balance or interest balance and my intrest rate is too high I thought finance auto companies ca n't not charge you over 25 percent in intrest please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Requested Forbearance based on CARES ACT. I specifically asked if my loan or credit would be negatively affected. I was definitely concerned about that, I did not want to request a forbearance, but we were in a tough financial position due to COVID, and being on XXXX XXXX. Flagstar assured me that I would not be negatively impacted, the loan will be on pause and the time would be added to the end of the loan. 

XXXXthere was no paperwork I signed in order to enter forbearance, I completed a quick online application After a couple of months, I called concerned after seeing my total amount due being increased as if I am in debt that amount. They assured me that since this was a COVID forbearance, after my forbearance is over they will adjust my loan and this will not negatively impact me. 

Feeling confident in what they repeatedly told me, we took our time to get our finances in order and remained in forbearance for 1 year. 

XX/XX/XXXX, we requested ending our forbearance, we were told to make payments for 90 days in order to end the forbearance XX/XX/XXXX our forbearance ended. We were told that in order to make our account current, we would need to resign a new loan. Essentially like a refinance, and by doing so our mortgage insurance would also be removed. 

New loan documents showed that my mortgage loan went from {$490000.00} to {$520000.00} My original loan ( XX/XX/XXXX ) was : {$500000.00} Update XXXX XXXX : Called Flagstar to request copy of my forbearance application and agreement. Rep looked for a while and stated that she could not find an application for forbearance. Instead sent me a document that was mailed to me showing that I was in the forbearance program. I asked how I was able to agree to the terms of the forbearance if their is no documentation, and she was not able to answer that question. 


Summary : We feel that Flagstar participated in predatory lending practices by not being clear about the fees or financial implications of being in forbearance Had they been clear, we would not have entered into forbearance, as difficult as that would have been for us They reassured me this would not be harmful more than once, when I shared concerns about the financial implications of forbearance They took advantage of people in vulnerable situations during a worldwide pandemic They indicated we would have our mortgage insurance removed after refinancing We were told refinancing would bring our account current, but were not informed that there would be a significant increase in the loan balance. 
Neither party has an agreement to the terms of the forbearance, another example of how nothing was clear or agreed upon, and they were able to assure me via phone that there would be no fees or negative consequences.

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 2016-09-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This matter has been going on for over two years. XXXX sent various mailers to my home soliciting my business. I refinanced my Truck XXXX XXXX, XXXX through XXXX XXXX XXXX XXXX, in which I purchased GAP insurance and have provided a email confirmation from the original auto loan facility. I later found out that XXXX XXXX XXXX XXXX were n't licensed in my state to originate a loan. In which that is a state requirement. What I purchased and was quoted was n't what I received. XXXX XXXX XXXX XXXX altered The XXXX 's Gap insurance form for their own financial gains. XXXX does n't offer Optional Deficiency Waiver Addendum. Attached is XXXX 's official form vs what XXXX sent to me XXXX 's form was altered. Now a Debt buyer is trying to sue me for the deficiency balance. I surrendered my truck XXXX XXXX, XXXX in which my car was sold through auction on XXXX XXXX, XXXX within the 60 day window in which it is outlined on XXXX 's Website that the deficiency balance will be covered. The GAP insurance company paid on XXXX/XXXX/XXXX XXXX along with XXXX towards my deficiency balance. My truck was also sold for XXXX. Crown Asset Management is attempting to sue me for a deficiency balance in which that is a matter that they should be addressing with XXXX Coverage. My Credit has already been penalized regarding this car and the car is sold. I did not originate this loan through Crown Asset Management and have made attempts to get this matter resolved with Crown Asset Management and still to no luck. To add insult to injury the product that I was quoted is n't what I received. I have filed a formal complaint with the state of Wisconsin 's Consumer protection, I have previously filed a complaint with CFPB. When I refinanced my truck, my goal was to lower my interest rate and protect myself from any unforeseen incidents. ( the reason for my GAP insurance ) This transaction was a clear violation of state regulations along with Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-29
Company: JLU Asset Management Group LTD
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi I got my statement for XXXX with the amount of {$35.00} for interest and fees.. which on XX/XX/21 I paid my full amount balance.. and now I got this statement. And I call my credit card to resolve this issue but they told me that for my account to be XXXX balance is to paid this fees.. thats a rip off for this company to charge customers for accounts that are paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: SC
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:
my name is XXXX XXXX. I have already notified this bureau several times that I was recently a victim of identity fraud. I let equifax know and I disputed the accounts that were fraudulently reported to my credit and Equifax has not taken action to remove these accounts. I have provided all the necessary documents and they have still violated the FCRA 605 B AND 611

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have used credit karma for a couple of years and received multiple " pre approved '' offers via credit karma. 

I applied for at least 2 of them and was denied. My credit did go down as a result each time. I may have applied for a 3rd but I am not positive if I quit applying for them after the second or third denial.

I do not know if these denials resulted in a hard inquiry, I do know my credit went down appropriately 2 points each time. 

I also applied for 2 credit cards claiming no hard credit check and builds credit hat l was approved for. When they were reported to my credit it lowered my score by 42 points. 

At this point my credit is lower after following credit karmas " advice '' than it was when I began using their service. 

I do believe they are using misleading advertisements to entice people into applying for credit that they either don't qualify for, and also by misleading customers into thinking taking the suggested actions will truly help build credit. 

I have also paid extra on credit card payments because they claimed it would have a positive impact on scores, but the changes were less than claimed and pretty much negligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Credit Protection Association, L.P.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Went on my credit report and there is a collection from XXXX XXXX. The collection company is Credit Protection. The amount is XXXX which I do not owe. I did not live at the address on file at the time. I lived at XXXX XXXX XXXX. Tried to make a police report on this and was ignored.

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 2020-10-05
Company: FIRST NATIONAL BANK OF OMAHA
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, to whom it may concern, XXXX XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ),  all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a  ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate 31 USC 3729-3733. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at www.pulaskiclerk.com recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF XXXX XXXX & XXXX No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Towards the end of XXXX, I was exploring getting a home equity loan. My broker told me that upon checking there was a 90+ day late payment for a USAA Credit card. I have never used a USAA credit card. I called USAA to find out and after being on the phone for two hours learned the following. The account was opened in XXXX. We figured out that it was simultaneous with my ex and I getting USAA insurance through her father. I have not had that insurance in years. 
I have never used the USAA card. There is one charge on it since we XXXX for $ XXXXand that was in XXXX of XXXX when I did not possess a physical card. I was informed that the card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX Ca. in XX/XX/XXXX. I haven't lived at that address since XX/XX/XXXX. The purchase in question was made on XX/XX/XXXX to a vendor I would never do business with. 

I have since called twice for two more hours worth of transferred calls and no answers. I cancelled the card on XX/XX/XXXX. On Saturday XX/XX/XXXX my ex wife received a NEW USAA card ( same number as the one I reported as fraud ) with my name on it at her address where I have NEVER lived. I called the company and they had no explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX XXXX XXXX. 
The account was charged off, and a company called Portfolio Recovery Associates claims to have purchased the debt. 
I subsequently paid back XXXX XXXX XXXX  Directly for this debt. I have attached the proofs of payment. 
Portfolio Recover refuses to remove the tradeline from my credit report or update it as paid to XXXX   XXXX in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: M&T BANK CORPORATION
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have updated information for the complaint with MANUFACTURERS TRADERS & TRUST COMPANY doing business as M & T BANK. I received correspondence threatening to seize my property using language coercing me to pay a debt I do not owe. Under the consumer credit protection laws of the Truth In Lending Act 15 USC 1635 I have the right to rescind any consumer credit transaction and pursuant to 15 USC 1641 ( c ) I have the right to rescind against any assignee of the obligation. M & T BANK received my rescission on XXXX however has refused to comply with the law and has made false statements stating that I do qualify for the right of rescission based off of the loan type which is incorrect. I have attached a copy of the correspondence from M & T BANK that made the false statements and the correspondence that threatened to take my home coercing me to pay a debt. I have also attached a copy of the law governing consumer credit protection.

Company response to consumer: Closed with explanation