BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had 2 properties mortgaged with Wells Fargo and they improperly foreclosed on one property in XXXX  after I made a large pmt and they promised they would take out of foreclosure and would not let me modify the mtg. Once I made the apyment, the foreclosed the following day. The 2nd property I own was modified after over a year of attempts and another large pmt made. Wells Fargo charged inspection fees, attorney fees and other costs which was what caused me to fall so far behind and I should be part of the recent lawsuit to reimburse consumers due to this.

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 2023-01-06
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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 2023-04-10
Company: Bread Financial Holdings, Inc.
State: IL
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:
Community Bank/VCTRSSEC {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I contacted PayPal after the website I purchased from didnt match the sellers information on the PayPal sellers info. When I clicked on the sellers information on the PayPal transaction site, the links given by the seller as their info were invalid. I advised PayPal that based on the website info not matching the PayPal sellers info and PayPal sellers info being invalid links that PayPal failed to fulfill their due diligence under BSA-AML regulations. PayPal denied my dispute and I have been unable to retract my monies. The fraudulent information and PayPals standing by the fraud and their failure to know their customer points to PayPal being complicit in defrauding buyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: ZIONS BANCORPORATION
State: TX
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:
I tried to get to the bottom a Foreign Transaction Fee charged to my account. When I called the first time the customer service representative, CSR, lead me to believe it was XXXX fault. When I called XXXX, they had no record of this charge. 

I call the bank back to inform them there was not record of it at XXXX, the CSR, said it was a fee the bank charges. She said it was in the fine print. 

This is wrong. How am I to know when am going to be charged a Foreign Transaction Fee when shopping on the internet? The CSR went on to say it was in the fine print of their paperwork. This will not help me when shopping on the internet. I won't know until I am charged the fee.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: NCB Management Services Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I had an orginal account with XXXX XXXX XXXX  which was sold and own to NCB management services incorporated. On XX/XX/2023 I reached out to NCB management and spoke with a supervisor and I ask when I pay off what I owe can you please delete the account from my credit report because I am trying to get an auto loan via my bank. He agreed ( there is a video recording through them ) and that it should be deleted in 2-3 weeks. I notice on XX/XX/2023 that they did report to the credit buearu that it is paid but however it is still on my credit report. I called the same day to ask if someone can put in writing on what was agreed concerning the account being deleted they said no one can do it and to call back next week to get a receipt of the payment which I will not receive until two weeks later. I called XX/XX/2023 to explain the situation and again another dead end one can write the agreement but will send me a receipt in 14 days. I mainly want a written statement from them agreeing to deleting my account and my receipt hope someone can help. NCB phone number : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
Westlake Financial has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get Westlake to do it. Entirely misleading. I have sent Westlake the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.

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 2020-03-19
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently filed another complaint against PHH/Ocwen mortgage company. XXXX. The company has initiated foreclosure proceedings against my home even though I have made all of my payments as agreed in the modification I signed in XXXX of XXXX. At the same time that I signed the modification agreement I also signed an agreement to assume the mortgage that was originally in my late husbands name. Both documents, the modification and assumption agreement were sent together in XXXX of XXXX. I returned both documents in the envelope provided from XXXX by which they were delivered to me. I sent in my first payment according to the modification agreement that same month, XX/XX/XXXX. 
In XX/XX/XXXX I received a foreclosure notice stating that no payments have been received since XXXX of XXXX. The companys response to my previous complaint states that no payments have been received since XXXX of XXXX ( discrepancy on their part ) and the assumption agreement was never received. I am providing the notarized signature page of the assumption agreement ( document is named in lower left corner ) which was sent in the same envelope as the modification agreement that they do acknowledge receiving. I am also attaching the cashiers check stubs that clearly show payment to PHH mortgage. With the stubs I am also including the signature cards that show these checks were received by PHH. Finally I am attaching the shipping receipt from XXXX for the envelope sent last XXXX containing the modification and assumption agreements. 

This is part of the company response to my previous complaint : Account records indicate that we are still awaiting receipt of the assumption package and a modification can not be completed, and the account will still be in Mr. XXXX name until it is completed. As no payments have been received after XX/XX/XXXX, the status of the account is accurately reflecting as in default and the notice of default was properly sent. In addition, as the account was delinquent, any late fees assessed on the account are proper and as we are obligated to service the account in accordance with the note these fees will not be waived. I have attached the Payment Reconciliation history for review. The account is currently in foreclosure which is on hold due to this dispute. 

I would like to know what has been done with all of the payments I have sent since XXXX of XXXX. These payments need to be immediately applied to my account or returned to me. 
Something needs to be done besides just forwarding this complaint to the company. They need to be investigated and these types of practices need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I became a XXXX percent XXXX veteran meaning I no longer have to pay property taxes which was effective XX/XX/XXXX. On XX/XX/XXXX I call PHH Mortgage and request my taxes be removed. Which I verified thru customer service it was processed on XX/XX/XXXX. On XX/XX/XXXX, I again email a qualified written request on the bank 's written form to request my Tax escrow be closed and my refund be sent to me. On XX/XX/XXXX I call back and found that they said they updated the system but had already paid the full amount of the Taxes. They stated they would start an inquire to locate the overpaid funds. On XX/XX/XXXX, I again contacted PPH and they told me they open a another inquire with no additional information. On XX/XX/XXXX I called again, and they told me the inquire is still open and it will take 4-6 weeks from XX/XX/XXXX, XXXX. at this point I believe PHH is in violation of 12 CFR 1026.34 for escrow refunds and for error resolution. Nothing about how they responded to a qualified request is timely nor is the length of time for refunds considered timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-03-19
Company: IMMEDIATE RECOVERY GROUP, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have contacted lenders numerous years ago informing them that I was XXXX and going through social security for SSI benefits, Supplement Security Income. I am XXXX   XXXX and was expecting a payment which I was owed from XXXX XXXX in a lawsuit that was stolen from my family and myself. I have limited income and we desperately needed the funds to assist with additional expenses do to the Coronavirus. We had been eagerly waiting on the money and I was blown away to find out that the funds were taken by this company Immediate Credit Recovery Incorporated. I  never heard of the company and  never received any contact from them but if I had, I would have sent them the paperwork stating I am XXXX  XXXX. I thought the loans had been discharged because of my XXXX. I am asking for this company to refund the money that was taken as we are in desperate need of it.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 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 2017-12-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Letter sent to from Weltman Weinberg & Reis saying I have account out standing with XXXX XXXX XXXX this account is 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-03-19
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Is attempting to extort a debt that has already been deemed as fraudulent. They purchased the information around the same time as it was resolved with original Company XXXX. I am a victim of idenity theft and am dealing with multiple versions from data breaches to family stealing my information. The debt buyer stated above have Interrorgated me and harrassed me on every statement I made about who stole my identity and, how, and why didnt you report it, yet I did and am doing so again now. 
They did not contact me prior to adding a bad debt to my credit which is another violation of my rights and have not provided any validity to this debt as requested in certified return reciept mail I had sent the date I noticed the debt on my credit reports. 
I want this XXXX  account removed from all 3 credit bureaus immediately, as I am well within my rights to seek damages for my score being drastically lowered due to their negligence and unfair debt collection practices. I will not pay for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've contacted Synchrony Bank 3 times regarding my Musicians Friend credit card. I made an additional payment to my monthly minimum payment and asked Synchrony to apply the additional payment to a specific promotional purchase amount. They incorrectly applied the additional payment initially, even after confirming the correct promotional purchase. After I saw this was applied incorrectly a few days later, I reached out again and again requested that the additional payment be applied to the promotional purchase I had requested. Once again the rep said it was done but my online account was still showing the payment was applied incorrectly a couple of days later. I called again, got the same response, but I still show a couple more days later that it still has not been fixed. I feel like Synchrony Bank is actively trying to prevent me from paying off the promotional balance before the promotional term is due.

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 2023-09-20
Company: Paramount GR Holdings, LLC
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For the XXXX payment XXXX. They claim they informed us the auto payment no longer applies. The new payment will include the discounted rate of .025 % due to not being on auto payment. 

I never received the email or a letter from goodleap stating this. 

Goodleap attorneys stated the auto payment was corrected for people in arbitration. The auto payment would work. No mention of the .25 % discount. 

I contacted goodleap. They put me through to a supervisor. Who stated the regular customer line could fix the issue. Regular customer service stated they could not. 

We are being penalized for using their contract arbitration clause. They increased our payment from XXXX to XXXX. And refuse to correct the problem for the XXXX payment and any further payments. Causing the loan to increase over its life time nearly XXXX I had not been late on any payments from XXXX to XX/XX/XXXX when they arbitrarily cancelled auto payment. 

It is not right for goodleap to cancel auto payments because we are paying in good faith until arbitration is complete.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation

Company response to consumer: Closed with non-monetary relief