BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Capital Accounts, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed the Dr {$87.00} and was paid on XXXX To the Dr office receipt XXXX and Capitol accounts wants me to pay they {$18.00} more for Interests Was told it was not allowed by North Carolina state For them to charge me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-04-02
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with Ditech, and have had them for years. In XXXX I scheduled my XXXX payment for both of my accounts. I did not recieve the typical email confirmation, so I called in, and was given the confirmation number. I explained that I had two accounts, and was assurred that the payments were both there. On XX/XX/XXXX, I received an alert from the credit bureau that my credit score had dropped due to a 30 day late notice on Ditech mortgage. I immediately contacted them, made another payment, and began the process of sending information to get the 30 day late removed. Finally, on XX/XX/XXXX, I received a letter from Ditech that they would change the infomation reported to the credit reporting agencies. Just getting that letter took several hours of calls, and going through several people, but I was happy I got it. I was assurred this would be reflected on my credit report in 3-5 business days. As of today, XX/XX/XXXX, it has not happened. I am now working directly with the credit reporting agency in hopes of fixing this situation soon, as I have been turned down for loans due to this problem. But, then it gets better. I paid my payment in XXXX for both loans again. I was traveling for most of the month, and had not reconciled my bank account until yesterday. Now, the payment for the other loan has not cleared for XXXX!!! I went on line to check yesterday, and it was reporting as if it had not been paid. I paid immediately, and this morning started the process all over again for this loan. However, after being on the phone for almost an hour, and talking to someone who did not seem to understand what I was asking, I was sent to a manager and told my account is closed and with another loan company. I need to contact them for customer service. They, of course, can not help me with Ditech, and I was aware that as of XX/XX/XXXX, I was to go through the new company. However, this is a XXXX issue. I know Ditech is undergoing re-organization, ie, bankruptcy, because they sent customers a letter a couple months ago. I understand they may be having troubles that may take a little longer to get fixed. However, I am a long time customer with them and I have never had anything like this happen. Now it has happened twice in a couple months. I am frustrated, and fearful that they are going to repot yet another 30 day late on my account, and I can not do anything about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: MD
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:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 


Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. 
Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act

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 2021-07-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was totaled by XXXX XXXX of Michigan on or around XXXX. XXXX  adjuster XXXX XXXX  contacted Wells Fargo ( dealer services ) on XXXX around XXXX was given a payoff quote of {$6600.00} and this was valid for 10 days. I received a monthly statement from Wells Fargo dated XXXX with a pay off quote of {$6500.00} valid XXXX ( printed on the bill attached ). The agent was given a inaccurate quote for more than the balance due this is fraud. When logging into my Wells Fargo account after the agent was quoted the balance due with Late fees added was {$6200.00} ( document attached ). The company was contacted multiple times with no return answers. The payment history detail sent to me ( attached ) stated {$6200.00} " Pay-off with over payment '' nothing has been returned to me the company received a check from XXXX XXXX for {$6600.00}. This company is fraudulent there are so many violations and I need help i have all of the supporting documents need to pursue this issues. I have other issues that will be made in a separate complain for credit reporting.

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 2023-07-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-04-19
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:
THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the Court order that is issued in the United States District Court for the Southern District of Florida XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. 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 explanation
Consumer complaint received 2021-07-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.

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 2023-11-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello, I opened a personal loan with bank of the west to purchase a boat. That loan was sold to BMO when bank of the west was purchased.

Prior to the shift to BMO, I made a XXXX payment to bank of the west to principal ONLY. When BMO took the loan over they logged that payment as a pre-payment, which it was not. It was just a principal payment. 

The last XXXX months Ive been calling and calling just so they can have my account corrected and properly generating monthly statements so I can just pay down my loan. NOBODY, fixes it. My last payment which I made just to keep up as BMO is not requesting payment was wrongfully charged interest based on the length of the loan. I need that corrected, my XXXX payment to be properly applied so my account generates the correct interest/principal calculation based on how much I have paid down, and the world can be at peace. 

BMO is an absolute disaster so this has been my only chance to get through to someone who can fix something so simple. I just want my loan fixed so I can pay it off. Do not bank or do loans with BMO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that  items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE BANK USA XXXX XXXXXXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: MO
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:
On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted Equifax, XXXX, and XXXX several times about this matter and my concerns. Equifax, XXXX, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX. 


Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this. 

I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX  not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX. 

I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX   as positive feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX, XXXX, Experian and XXXX are reporting inaccurate information on my consumer report. XXXX XXXX didnt have permissible purpose to pull my consumer report on XXXX XXXX. This unauthorized inquiry was not authorized by me. I didnt apply for credit with XXXX XXXX or any other credit provider on XXXX XXXX I have provided my Massachusetts state issued driver license as proof of my identity.

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 2021-05-03
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dates : XXXX, XX/XX/XXXX. XX/XX/XXXX, and other dates in XX/XX/XXXX Company : Freedom Mortgage Amounts : $ XXXX refinance for existing home mortgage Actions : 1. When I applied for the loan earlier this year, I specified that I was going to bring the money to closing. DO NOT roll the amount into the mortgage.

2. I was supposed to close in early XXXX. However, whenever the officer contacted me, I kept being told that I didn't have to bring anything to closing. 
3. I kept talking to them about me bringing the money to closing. They kept telling me that it's being handled by escalation officer. It would be corrected.

4. We kept pushing out the closing date due to the same issue. On XX/XX/XXXX, I couldn't believe that they were still telling me that I didn't need to bring any cash for closing. I was very upset and threatened to end this process. They promised that it would be corrected by the end of Friday ( XX/XX/XXXX ). 
5. On XX/XX/XXXX I contacted them again, I couldn't believe that they still told me I didn't need to bring any money to table. I simply told them that if it wasn't corrected by XXXX which was the scheduled closing date, I would go with another company. They promised they would correct it. Later that day, I even got a call and they told me the amount I was supposed to bring to the table and who the check should be made to. The officer and I went over the document ( in attachment ) and she told me the amount {$2600.00} was the amount I would bring to the table, despite I doubted that it said " cash to close was still 0 ''.

6. On XXXX as the notary lady sitting here in my livingroom, I couldn't believe that she was telling me that I didn't have to pay anything when I was ready to hand her the certified check. I was furious. I immediately called the company and all they did was to transfer me from one person to another. Eventually, I just called off the whole thing. 

I strongly think that this company is using unethical tactics to try to roll the closing costs into the mortgage despite I've corrected them 10 times. It doesn't matter who I talked to, I couldn't get them to correct it. It looks that this is the only option with this company. This is ridiculous!! They certainly need to be investigated. I will be mortgage shopping again.

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 2023-06-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX  XXXX XXXX Opened : {$840.00} XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}

Company response to consumer: Closed with explanation