BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a problem with discover credit card. I have tried to resolve this problem I had so charges on my credit card that I didnt authorized. You see I had XXXX in XXXX 2016 most of my credit cards was paid off. I had severe complications the XXXX which I was in and out of the hospital for two years then I went to a XXXX for about six months or so after I got out and was made aware of everything my credit cards were stolen and I took action on this and I called the credit card companies and disputed the charges I also made a report identity theft. Most of the credit card companies took it off my credit report disputed it no problem Discover is giving me a very hard problem they are now taking legal action against me when I have asked multiple times for them to prove the charges and give me an itemized statement that has all the charges on there so I can go over them all they can produce is the top copy of my bill which includes the amount charges the late charges the interest and all that but nowhere in there is an item my statement I have made them aware of this and they still are taking legal action against me and I do believe this is unfair. They are saying that I owe over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
on XX/XX/2023, I was 25 days late with XXXXXXXX XXXX payment when a person from loancare LLC called me and inquired about the XX/XX/XXXX payment. I immediately responded by saying I would make that payment by the XXXX of XXXX so as not to being default and reportable to credit bureas. He responded by saying that they were offering me a payment plan to help me catch up. I asked if there were any negative ramifications to accepting this plan, which he failed to answer. quite honestly, I got the feeling that it almost was a stupid question to ask so I didn't persue it. But, again, I did not get a response or the necessary information that I needed to make a decision, I, in no way, believed that they would deliberately push me into default while using the term " HELP ''. Several days later they sent me written terms of the payment plan which I signed still believing that they were offering to " help me catch up '' and not pushing me into a plan that caused me to go into default. Unfortunately my wifes and my credit rating have taken a huge hit. Now, after multiple attempts to correct this situation through them, I have decided to pursue this further with outside assistance. I had an interesting conversation with a representative today who said they don't offer payment plans unless you are two payments behind, that makes sense as you are already in default. By why did they deliberately push a plan on me that would cause me to go into default? I was not yet 30 days late and I had made a promise to pay before I was. It baffles me how they could deliberately withhold the information that I asked for and still repeatedly stand behind their actions. They hide behind vague language and written documention provided after it was too late. meanwhile it is affecting me personally and financially. I would warn anybody to be wary of Loancare as they have no problem pretending to be helping you, when they are in fact withholding either intentionally or not the information that you need to make an informed decision,

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 2023-08-29
Company: WELLS FARGO & COMPANY
State: CA
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:
Deposit a check into atm. However check got stuck for 2wks .consequently I could pay bills and such .late fee invite and I suffered mentally and financially.

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 monetary relief
Consumer complaint received 2023-07-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know where this debt comes from, I am not aware of the amount that I owe - to anybody/ any organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report reads a XXXX balance and I am still being contacted and harassed by mail for payment of this 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 2022-09-29
Company: Experian Information Solutions Inc.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a Capitol One charge. 
I am questioning that I made a purchase for {$220.00}. 
The date that my credit card was charged is XXXX. 
The time of the transaction was XXXX XXXX. ET This charge went to my bank ( XXXX ) the same day. 
My Acct was debited thru the bank at XXXX XXXX. CDT I spoke to the manager to get this information. 
It was done by electronic withdrawal. phone payment PPD ID XXXX 
I called disputes at Capitol One. I called 2 times. 
I requested that they look into this matter. 
Today, Monday, XXXX XXXX I spoke with the dispute dept. i talked with a supervisor ... his name XXXX. 
The time... the call ended was a little after XXXXXXXX XXXX. 
He said that there was nothing he could do. I was told that I called this in on automatic payment. I'm simply trying to justify this charge. 

The next problem... I went to my phone call log thru XXXX. I called XXXX twice about this issue. 
I got no response. I went to the XXXX store. I did get a paper copy of my XXXX phone calls ; but, the date that i would need to explain this issue was missing. As a matter of fact, XXXX XXXX, XXXX & XXXX XXXX are not in my call log. 
I can't get any more help from XXXX. 

I need to settle this problem. 
If no-one can help me I want my balance owed to Capital one reduced by this amt ; and, I want Capitol One to put back the funds to my bank account. 

Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: TN
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a mortgage forbearance with the company ( XXXX XXXX  XXXX during COVID - I was told the missed payments would be added to the end of my mortgage- not LOANCARE has taken over and they told me that I can only do a modification that would increase the overall cost of my mortgage and extend the term. I did not want that so I paid all the back payments which were cashed by them on XX/XX/25 - I have proof of the cashed checks but they dont seem to have record of it. I call / email daily and no one gets back to me.

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 2019-08-11
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX improperly froze my bank account, I haven't had access to any funds since XX/XX/XXXX. Not a soul from XXXX XXXX XXXX reviewed the account prior to freezing the funds. My account includes exempt funds however XXXX XXXX XXXX and Selip and Stylianou LLP refuse to release the funds. I've provided both the bank 's legal team and debt collection agency with exempt claim form documentation to show the funds are exempt. XXXX XXXX XXXX keeps telling me they are not responsible for releasing the funds even the exempt funds. XXXX  XXXX XXXX refers me to Selip and Stylianou to release my funds. I've explained the laws to both parties and they refuse to comply. In addition to not releasing the funds, XXXX  XXXX XXXX charged me a processing for the payment they gave Selip and Stylianou. They have left me in a position of financial hardship with my daughter unable to provide basic needs. I now have late fees for my rent, no childcare, and food.

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 2023-07-26
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX  - we sold our home for which Freedom mortgage held lien and escrow XX/XX/XXXX  - we inquired via portal when we would receive disbursement of escrow funds XX/XX/XXXX XXXX we updated our mailing address on the portal XX/XX/ XXXX XXXX XXXX we received a message via portal that we would receive a check at the new address 14 days after account was paid in full XX/XX/ - we received notice at via US mail at our new mailing address that our mortgage had been paid in full and our account closed XX/XX/ - we received a message through the Freedom mortgage portal stating that any remaining escrow funds would be sent as a check 14 days after the paid in full date XX/XX/XXXX XXXXXXXX XXXX    - we contacted the loan originator ( XXXX XXXX, XXXX XXXX ) asking if could assist with recovering our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received an account statement via US mail that listed an escrow refund of {$5000.00}. We also received an escrow account disclosure statement stating that our new payment was {$0.00} XX/XX/ - we sent a message via portal asking when we would receive our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received a message via portal that additional research was required XX/XX/XXXX  - we received a message via portal that {$5000.00} was sent on XX/XX/. No such payment was received. 

We just want our escrow money.

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 2023-01-25
Company: Mr. Cooper Group Inc.
State: IL
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:
Seterus Inc. has been reporting late mortgage payments on my credit report since 2018. When I dispute the account with the 3 major credit bureaus, the debt comes back as valid and they update it and lower my credit score. When I attempt to deal with the actual company reporting the debt, I get no answer from the listed number. When I looked up the company online, it stated that they were out of business. This is not a valid debt and should be deleted from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance didn't pay my second quarterly property tax which was due on XX/XX/2021. I received the delinquent notice from the XXXX XXXX on XX/XX/2021. I called Selene on XX/XX/2021 they acknowledged their mistake asked me to send the delinquent notice to them so they can send the check out to township ASAP. On XX/XX/2021 I found out the taxes was still not paid, i called them again they again said will be taken care of in two days. I have been calling them every 4 days since then. Today XX/XX/2021 they are saying they will take care of it by XX/XX/2021 extending it for another month. My third quarterly tax payment is due on XX/XX/2021 I'm afraid this will lead into a big mess. Please help me to resolve this, I have been making my payment on escrow which is {$770.00} and mortgage {$2400.00} monthly on time. As of now I have {$4800.00} in my escrow account my property tax is {$2100.00} every quarter. Tax due $ XXXX {$25.00} XXXX interest XXXX as of today. 

Lender Information : Business Name : Selene Finance Address : XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

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 2017-05-09
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
When I reviewed my credit report, I discovered that these accounts were 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-18
Company: VW Credit
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:
VW Credit of {$21000.00} is being dates aren't correct XX/XX/XXXX to XX/XX/XXXX. the XXXX is owed is not correct of {$12000.00}. 

The account keeps being repost over the last 8 yrs. Last payment needs to be verified. The accounts have been resolved and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: Experian Information Solutions 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:
I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: Sensible Auto Lending, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under The doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief