BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I had a Bj 's credit card under XXXX XXXX with a balance of approximately {$3000.00}. Around XXXX, I s/w XXXX ( Bj 's # XXXX Ext # XXXX ) who confirmed that my account went into XXXX collections, and he transferred my call to collections. I spoke with XXXX XXXX ( XXXX Collections XXXX # XXXX ) He offered me a settlement proposal of {$2400.00} to resolve the debt. We spoke on their recorded line, and he confirmed multiple times that once I made the payment for that amount that The Bjs account would then have a XXXX  Balance. He also stated I would receive a XXXX  Balance letter in the mail within 12-14 days. He stated that the new Bank ( XXXX XXXX  ) will see a XXXX Balance upon the transition. The cut-off time frame for the bank transition was around XXXX and if a payment was not made with him before that time, he would not be able to resolve my debt. I made the payment of {$2400.00} with my checking account at around XXXX. My confirmation # for my payment is XXXX. 

On or around XX/XX/2023, I contacted XXXXXXXX XXXX again to follow up that I have not received my XXXX Balance letter. I spoke to an agent named XXXX XXXX id # XXXX ) and he transferred me to XXXX ( # XXXX id # XXXX ) to open up a case # XXXX to follow up why I haven't received the letter. 

On XX/XX/2023 @ approximately XXXX, I was contacted by XXXX from XXXX XXXX  collections ( # XXXX id # XXXX ). She stated that I have a Balance due to Bj 's in the amount of {$660.00}. She stated I have 2 choices. To have the amount waived off to XXXX Balance but my Bj 's account would be closed or either Pay the Balance which she can reduce the amount with a small credit ( less than {$100.00} ) and then I would be able to keep my Bj 's account active. I explained to her that I already made a settlement agreement, and I will be disputing the Balance. She advised that If I could provide a XXXX Balance letter it would resolve the matter. 

I have attempted to locate a letter mailed to me from XXXX but I am unable to locate any mail as I filed a claim previously stating that I haven't gotten a letter. I asked to have the call recordings released to verify everything that I am stating in regard to the agreement. I recently called XXXX and spoke with a supervisor named XXXX ( # XXXX id # XXXX ) who leadership advised her to tell me to contact XXXX XXXX in regard to this matter. I keep getting the run around and it's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than 8 hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Brightfunders, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment on time XXXX and XXXX for the amount XXXX which they had taken from my bank account with the routing number and bank account which this is the way we make our pays the same every month since may on homeside financial when we refinanced for 15yrs from a 30yr they reported to the credit bureau that payments havent been made my credit went from XXXX to a XXXX. Which I contacted my bank and they stated that homeside directly had taken the money out. I have call homeside  and have talk to multiple supervisors which keep saying they are fixing every time I call back they state they need my banking statements again this has been going on for 4 weeks of talking with them. They still havent posted my payments or fixed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: MD
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:
My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 XX/XX/2021 XX/XX/2021 i called them was put on hold, then disconnected. I called again and this time it was a auto answer with no way to contact a real person. It only asked for an extension number be entered, and i was disconnected. 
XX/XX/2021 i called their number and again i got a auto answer machine asking for extension number, and im disconnected. 
XX/XX/2021 i received a call from a Unknown number, went straight to voice mail. This time its a XXXX XXXX XXXX from the state of Oregon. This is all feeling very shady

Company response to consumer: Untimely response
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX. 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

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 2022-12-29
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan was transferred to MOHELA after being serviced by another company for years. I had submitted my annual XXXX  verification form right before I was transferred to this company and I wanted to know if it had actually been received in the transfer. It was urgent that I got this confirmed because of the limited waiver for XXXX which was expiring at the end of XXXX. During the span of a few weeks I tried unsuccessfully to contact MOHELA multiple ways, by submitting a form on their site, by emailing directly and by calling. The first XXXX times i called i waited on hold for over XXXX hours only to have the call dropped without ever speaking to someone. I was finally able to speak to someone after waiting for XXXX hours. And then the representative told me that the forms i had submitted months before were never received. By this point, this was days before the limited waiver was expiring and I rushed to get my employer to fill out the form a second time. I found out weeks later when my account was finally updated online that the representative i had spoken with was wrong, the first form was received, and my stress over this had been for nothing. I have still never received any reply to the written communication I sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I purchased the home in XXXX I was paying less than {$600.00} a month. Then through out the year it would go up sometimes up to {$900.00} or to {$1100.00} a month. I would called them for the increase. There response was escrow when up. I did not understand what they were telling me. I'm a first time buyer. So do not know much about mortgage. The years when by. I noticed my home mortgage payment would not go down. I complained a few times. Would not get a answer. I felt they were keeping my payments and the balance would not go down. On XXXX it showed balance at XXXX. I bought the house for almost XXXX. Where did my payments go for so many years. On XXXX it showed I owned {$95000.00}. Then it was waived on XXXX. Due to Covid. I was having problems making payments. Then started making payments on XXXX. I noticed the balance when back XXXX {$11000.00}. That was the balance when I bought the home. I called and they won't give me answers. I feel they have and still taking more money for m mortgage. I'm behind XXXX XXXX right now. They want me to pay {$3000.00} by XX/XX/XXXX. I don't have the 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 2023-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You breached U.S. Code Section 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by providing reports together with credit or insurance transactions that the consumer did not conduct.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) No consumer reporting agency is allowed to create a consumer report that includes any of the following information, with the exception of records of criminal convictions that prior to the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency. Additionally, they don't even adhere to Metro 2 credit reporting regulations. I have proof to support my claims!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Mercedes Benz Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX, I got XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX I started having issues with the car. I was reassured that the issues were because the car has been sitting for a while. Anyways the issue continued. I let them know. Didnt get a response so I was told it was the brakes so I paid to get them replaced. This wasnt even 30 days into having the car. After that the car wobbles when I turn and makes a noise.. this is early XXXX. Im thinking its the tires. I replace the tires and get an alignment {$1200.00}. A few weeks go by ( Late XXXX ) and the waddling is back, there is a loud noise when I turn and its time for my oil change so clearly its NOT the tires. I call XXXX and they tell me itll be a month before they can do any service. I didnt want my engine to lock up. I pay for an oil change. ( XXXX ) I wait a month ( XXXX ). They had my car XXXX weeks and say they replaced the brakes and fixed the waddling but Ill need an alignment. ( {$290.00} If they do it ) Why not align it already? The car has been having this issue from the jump. I got it aligned at XXXX. I just purchased tires from them not too long ago so its included. I got my car back and the back was indeed fixed HOWEVER. All the issues I had in the back are now in the front. EXACTLY the same issues. The front was PERFECT. I have an ALL WHEEL DRIVE car so I KNOW all they did was flip the car parts underneath. Ever since I got this car, Ive had issues. Ive been putting money into this car from day one. I have fell behind on payments because its IMPOSSIBLE to pay for repairs and rent and car insurance. I cant make payments AND pay for repairs. I have reached out to Mercedes sent them the screenshots, bank statements confirming me paying for repairs, I do not want this car anymore. I wanted to trade. Now they wont finance it because my credit has fell behind due to this issue particularly. They wont resolve the issue do a payment deferred. Swap the vehicle out NOTHING. I traded my car in for this one so this is my ONLY means for transportation. They are XXXX up XXXX. Ive already reported them 6 times to the XXXX. They need to be shut down immediately I called XXXX financial and they said they wont accept any payments from me except the XXXX  XXXX full pay off amount THEY SOLD ME A BAD CAR AND THEY KNOW IT! Now the community needs to know it! I WILL SUE AND ILL LEAVE WITH MORE THAN WHAT THE CAR IS WORTH ESPECIALLY FOR THE PAIN & SUFFERING IF WE CAN NOT COME TO A RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: General Motors Financial Company, Inc.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-01-31
Company: EQUIFAX, INC.
State: OR
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:
It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a XXXX  day late payment posted in XX/XX/XXXXXXXX XXXX a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating XXXX5 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Wells Fargo on an FHA COVID-19 lpartial oan modification since last year. I thought that the process was over as I was told by XXXX XXXX XXXX that I would be receiving the loan modification in the mail. I did, but the problem is that my ex-husband is now on the loan package. I called XXXX XXXX two or three times in the past week ( XXXX ) asking why my ex is on the loan. The last modification package that I received ( which apparently had mistakes in it-hence the mailing of a new one ) only had my name on it. I am trying to find out if the loan package that was just my name was a mistake or not. No one will get back to me. 

He hasn't called me back nor has a man by the name of XXXX XXXX that responded to my last complaint ( XXXX ) who've I have also called and left messages on his phone ). I need to know what is going on as I need to get it notarized and sent back to XXXX by XX/XX/2022. I spoke with the mobile notary that was sent by XXXX and they can not notarize the document w/o my ex 's signature. 

Please help. I am afraid again of losing my home because XXXX won't respond to me. I've done everything that they have asked and still, I am in limbo. Last time they mailed and XXXX me over 4 foreclosure notices because of an error on their end. I don't think I can take any more stress over this predicament. 

Thank You, 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