BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: WESBANCO BANK, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the financial impact of the CoVID19 Virus Pandemic, Wesbanco Bank solicited an offer to mortgage holders with certain qualifications to defer mortgage principle and interest payments for 3 months. This solicitation was sent via email the last week of XXXX and did not include any further details pertaining to the program, but encouraged recipients to call for further information. Upon contacting the Bank to inquire about the program, I was given the same statement - 3 months deferred principle and interest payments. The phone conversation included the statement that those 3 payments would be added to the final payment at loan maturity as a balloon payment. The only payments required during the " relief period '' would be the required escrow payments. 

At this point, it would appear, based on the statements made, that at loan maturity one would be making a payment that was equal to 4 scheduled payments. This is further supported by the cover letter accompanying the contract for signature. I have included this document as an attachment, wherein one can see that there is no mention of interest accrual. The statement is made, however, that " The deferred payments will be added to the final payment under the terms of the Note causing a balloon payment due on the Maturity Date ''. 

Only when the " contract '' is presented for signature does the bank reveal that interest will continue to accrue over the " relief period '', and is added to the final balloon payment. Neglecting to reveal this at the beginning is very deceptive, and in my opinion is intentional, with the Bank hoping that consumers will not read the final contract, or that consumers are in such financial distress that they have no other option but to agree to these terms. This is a predatory tactic that does not provide any " relief '' to the borrower but only serves to line the pockets of the lender. 

I would encourage the Consumer Financial Protection Bureau to do its part to stop such predatory tactics during this time of financial hardship for some many in this country. I am fortunate to have other options at my disposal, although a 3 month deferral would have been greatly appreciated. Many others are not so lucky and may have no choice but to commit to such a financial burden which could potentially result in future loss of their homes should they not be able to fulfill the obligation of the extraordinary balloon payment at loan maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX at Atlantic Bay Mortgage Group. I contacted Mr. XXXX because he informed me back in XX/XX/XXXX that I needed to wait 6 months so that I would have 2yrs solid records of being a business owner. At that time, he told me that was the only issue standing in the way of being approved for a mortgage. My credit score is even better now than it was then and everything on my credit report was the same. Including my Chapter XXXX bankruptcy from XXXX. Furthermore, this was a land in lieu application. Mr. XXXX also did a hard pull on my credit without asking my permission. I let it go because I was confident I would obtain a mortgage. On XX/XX/XXXX after asking me to sign various documents this was Mr. XXXX ' XXXX message to me by email : " Sorry this has taken so long but your file was reviewed by a few different people and I was confused on what they wanted. Bottom line is due to the bankruptcy and limited new credit they want 12 months history on your credit card and two non-traditional references before they will approve your loan, so well need to wait until XXXX before well be able to do anything. '' XXXX XXXX was aware of my Chapter XXXX back in XX/XX/XXXX. Since then, I have worked tirelessly to repair my credit. I accomplished getting my score up a full 100 points since then. If the bankruptcy was an issue, then I should've been denied immediately. Moreover, when XXXX XXXX asked me questions, he seemed to already have the answers because of stereotypical assumptions. I even felt the need to ask him if he was discriminating a couple of times. He would never answer me directly and acted like he didn't hear my question. This entire process has left me and my family discouraged and we are afraid that we won't be able to fairly obtain a mortgage in the state of Norh Carolina.

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 2020-04-09
Company: EQUIFAX, INC.
State: PA
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:
Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-05-25
Company: WELLS FARGO & COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
A Wells Fargo credit card was opened in my name, phone #, and social security number. I did not open this account nor did I use it. I need help fixing this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Armed Forces Loans of Nevada 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: Old information reappears or never goes away

Complaint:
Filed a complaint on XX/XX/2022 with the CFPB stating that there is no bankruptcy on my consumer report and this account with Armed Forces loans shows under wager earner plan. Armed Forces responded and said they would remove the account within 5 business days from their response. As of today it's still there and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is Chase bank. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the chase bank reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
Chase bank does not care about its customers and is rated very poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I began this process with SLS Servicing on XXXX XXXX. I am currently in trouble with my loan and was seeking to work out a repayment plan with my SLS who is servicing my loan. I have been in contact with consistantly since XXXX regarding my intentions for my property. I completed a XXXX application to apply for assistance, uploaded the forms. 

I then would call to verify they had everything. I was told on numerous occasions there was nothing else needed. I then would receive a letter indication nothing specific but documents were needed. I would then make a call and the representative had a very hard time figuring out what I was missing. Finally the representative would find the document that they stated was missing already submitted and was over looked. 

This went on from as I stated XXXX to XXXX XXXX. 
Each time between XX/XX/XXXX andXX/XX/XXXX I was told something different by each representative, I have never been able to speak with my appointed representative. I have left several messages for her but no return calls. Finally Last Thursday I requested a supervisor and was allowed to speak with her. She stated there were missing documents, after reviewing my documents sent she found what they had been looking for and forwarded it over to the correct processor. she stated that I should have a final answer within 72 ours it has now been about one week. 

I believe that SLS is attempting not to assist me, I believe they are trying to allow my loan to go into foreclore. I have indicated in my correspondence to them that I am willing and able to make 2 payment a month to get this resolve. I have also let them know that if I need to file bankruptcy to resolve this I will. I can not afford to be in the streets at this time. I believe these are intentional act from this servicer

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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Three checks issued to the same party were never received by the intended party though the funds were removed from my account. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One and was transferred to their fraud department in XXXX XXXX. The person had a very difficult time understanding my issue, but did send me a copy of the three canceled checks along with a letter denying my claim as they suggest there was no error. None of the checks are endorsed on the back so I called back and asked them how they could deny my claim when the checks were not endorsed. They informed me over the phone that they did refund the XX/XX/XXXX check to my account though they continue to send me claim denial letters for that date. I find it interesting that they held onto my money from the XX/XX/XXXX check until I called in XXXX and complained. On my fourth or fifth try with the XXXX XXXX team, I mentioned that I would file a complaint with the CFPB if I did not get resolution and they gave me the number for someone in the XXXX. I called on XX/XX/XXXX and spoke with a helpful person who indicated they would send my issue to the " back office '', but could not give me a time frame for resolution. As of today, I have not heard from anyone and do not understand why it is so difficult for them to recognize there is no endorsement on the back of the checks and never should have been cashed. I would like my money back so I can send it to the intended party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: DE
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

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 2021-01-18
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted one payment to The Money Source https : //www.tmscustomer.com/ Website on XX/XX/XXXX. Normally I did get an email confirmation. I logged into my account XXXX onXX/XX/XXXXand did not see any transaction log for my payment. I called up and spoke with someone and informed me to make another payment. She did not see either payments in her records. She said she would call me back to cancel one. Later that day I get two confirmation of payments. 
XXXX for {$3000.00} XXXX for {$3000.00} I called later that day on XX/XX/XXXX and spoke with agent XXXX and he said he would try to cancel one payment. 
I had to borrow money to cover the second {$3000.00}, just in case the transaction does go through, since I would be charge by my bank for not having enough and also TMS would also charge me for submitting a transaction and not having enough funds. 
I log in to day XX/XX/18 and no updates on transaction and payment. This is very bad service and I have not gotten an update or email explaining what happened and why my mortgage account was not credited already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently in doing some research on my consumer credit file I learned that the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation