BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan transferred from XXXX to Mr. Cooper. New payment amount adjusted with an increase of XXXX & is listed as fees. New fees indicated are for processing etc. & I did not authorize an increase, nor signed any documents relating to said increase. Then when I tried to pay the original payment amount it auto filled the prompt and added the next months payment as well and wont allow you to pay any other amount other that the amount they auto filled trying to trick you into paying 2 months amount. 
Also when you call they indicate due to current call volume they can not assist you at this time. When you pick a different category they put you on a non answered hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Credit bureaus are reporting erroneous information on my credit file and i keep disputing the errors.

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 2020-12-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had an account with Ally Financial account # XXXX which was paid to a XXXX balance yet, when I checked my credit I see a balance showing for {$210.00} this is false information.

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 2020-05-14
Company: YES AUTO CREDIT
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I purchased a car from yes auto and a tow truck just popped up trying to take my car I paid for each month, the car lot is saying I never made the XXXX payment which I did even the finance company confirmed yet the dealership said they dont care and to bring them more money I have not been late I am filing a law suit as well

Company response to consumer: Untimely response
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice via the Internet to go ahead and place in a claim because Wells Fargo XXXX money from XXXX to XXXX and I did have accounts with them. Checking savings deposits cash out everything. 
I am waiting for my settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Beginning on XX/XX/2019, I have received multiple emails from XXXX stating that I had been approved for a loan through their company. However, I never applied for a loan at any time and I am concerned that my personal information has been compromised. I attempted to contact the company to request that they investigate this matter. When I finally got through, the representative requested that I provide my date of birth and social security number before they would assist me. I feel that this was a further attempt on their part to obtain personal information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A certified mail verification letter was sent to XXXX XXXX XXXX XXXX   on XX/XX/2019. The letter was received by XXXX XXXX XXXX XXXX  on XX/XX/2019 in XXXX Florida. The company continues to report to all 3 credit bureaus without sending any of the documents I have asked to received. XXXX  has close account but failed to deleted from 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 explanation
Consumer complaint received 2018-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, Experian and XXXX XXXX are reporting inaccurate information. My credit score should be in XXXX   's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.

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 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX and Trans Union are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.

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 2019-03-14
Company: U.S. BANCORP
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I always pay my mortgage payments 2-3 months ahead to US Bank Home Mortgage. When paying my mortgage, I always highlight in yellow the Due Date, the amount of payment due and put " 0 '' on Additional Principal. In the last few months, I have noticed that the check payments have not been posted when received -- sometimes 2 weeks. They obviously sat on someone's desk and were not posted. I then noticed that the new mortgage bills had due dates that did not show payment. I called and was told that the postings were " in error and will be corrected. '' On XX/XX/19 I received a Foreclosure/Loss Mitigation letter that put me over the edge. I called and filed a formal complaint ( Case XXXX ). Instead of an apology, I received a Corrected XXXX Tax Form which then showed me that I was cheated out of a {$860.00} deduction because their interest numbers were incorrect. When I called immediately, I was told by an English challenged individual that I should call my accountant to file an amended tax return. There was no apology or offer to pay the {$280.00} extra income tax payment that I made due to their error.

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 2020-11-16
Company: RockLoans Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am a XXXX  servicemember and am eligible for an interest rate cap on my personal loan under the Servicemembers Civil Relief Act ( SCRA ). I contacted Rocket Loans to inform them of my XXXX XXXX XXXX  and supplied a copy of my military orders. I have been told that the lowered interest rate has been applied to my account ; however, Rocket Loans has refused to provide an explanation as to how they calculated the amount of interest due on my payments and how my monthly payment is being applied to my loan principal. My wife and I have asked multiple representatives at Rocket Loans to explain how much of our monthly payment is going toward principal and how much is going toward interest, as the amounts listed on our online portal seem inaccurate. Additionally, my SCRA benefits were backdated, so I've requested that Rocket Loans provide an explanation as to how they calculated my overpayments and how they were applied to my account. Multiple phone requests for follow-ups have gone unreturned. We were encouraged last week when the Rocket Loan Chief Compliance Officer contacted us to advise that he was handling the issue. However, all we received as a response was an email with a link to a personal loan repayment calculator. I'm simply trying to understand where my hard-earned money is going and Rocket Loans is refusing to answer my questions. 

The complaint was filed after we received an incomplete response the Chief Compliance officer from Rocket Loans. We were very specific about our questions and the information we wanted on our loan. We asked Rocket for that information multiple times and they would not respond. After speaking with the Chief Compliance officer, I was assured that he would address our concern regarding our question that are interest rate was not reduced correctly under SCRA. The CCO responded a couple of days later and sent us a link to an interest rate calculator stating that it made sense to through his initial review. We took his message to mean that he confirmed that the amount that we were being charged was correct. However, we knew better and the math did not add up. We pushed again and asked again that they review the file in detail to confirm that they were charging the correct interest rate of 6 %. It was only after we pressed the CCO again that Rocket Loans then determine that they were overcharging us interest during XXXX ' period of XXXX XXXX services. Then our repayment schedule was updated to reflect the lower interest. It took me multiple times of pressing Rocket loans, and a high level officer with the company before they would acknowledge that they were charging us incorrectly and not providing the benefits we are entitled to under SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: WA
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:
Equifax is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017, I made a purchase of floor tiles at XXXX XXXX store in XXXX XXXX, FL. I was offered which I understood to be a " no interested financing '' arrangement at the time with Synchrony bank and I found out later to be a " deferred interest arrangement '' ( after the bank charged me unrealistic amount of interest ), which was not fully disclosed to me at the moment of the purchase. After my purchase, I set up auto pay and never look at statements that I found out later were available in the bank website where the bank claims there is a statement that explains the " deferred interest arrangement ''. I called the bank and requested the documentation they had that shows I agreed with a " deferred interest arrangement '' and they said they would request to the store ( XXXX XXXX ), but they could not copy me in the request to the store. I went in person to the store and requested the documentation they have available and there is no evidence that I agreed with the " deferred interest arrangement ''. My complain is I would like to receive the documentation that prove that I acknowledge and understood the deferred finance arrangement, otherwise I think it is not fair I paid the interested, since the debt became higher than the purchase amount. Thank you

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 2019-03-14
Company: Experian Information Solutions Inc.
State: NY
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:
Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2019 I received a letter from CKS Financial attempting to collect on a debit for XXXX XXXX XXXX ( DBA ) XXXX XXXX. In the orignial letter it outlined that I personally owed a debit in the amount of ( {$19000.00} ). 

Having never opened this account but having a long history of identity theft I looked into the account in question and called their office. I was instructed that they are a online lending company and all accounts would be opened and funded online. When attempting to discuss the matter, I was informed that they no longer had any information on the account in question. 

Subsequently, upon reeving this information I made contact with CKS Financial the debit collector attempting to collect on a fraudulent account. As pursuant to the FCRA I requested copies of the original application, proof of a photo id which is required according to the Fair Lending Act, and all appropriate information showing ownership. 

Upon submitting my detailed request to CKS Financial on XX/XX/2019 I received a letter indicating they conducted an investigation and the name and address was the same therefore the validation was complete. At this present time CKS Financial has refused to supply proof of ownership and to date has supplied absolutely nothing to validate the claim in question. Based on the information presented I have filed a formal complaint with your office requesting assistance due to the blatant disrespect of the FCRA and its laws governed to protect consumers. At this present time I have turned the law enforcement report validating identity theft along with all material facts to our legal counsel for immediate filling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and TransUnion. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

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 2019-08-21
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed 7 payments in 4 different mailings over the last 3 months that never posted to my account, a total of {$11000.00}. PHH Mortgage Company became a new company or merged with XXXX XX/XX/19 during this time period. 

I have called daily for the last 2 weeks following up on their claim to be looking for the payments. I faxed the attached cashier check stubs.. They found one check of 2 payments and returned them a few days ago saying they will need all the payments to be together to bring the loan current. The other 5 payments whereabouts are 'being investigated ' but every day no progress. They sent me a 'Intent to Foreclose ' notice 2 weeks ago that alerted me to this problem. 

I can stop payment on the remaining checks and send them all in together, ( {$12000.00} ) but their failure to handle these checks according to their own policy has resulted in late fees that I should not have to pay since these payments were received and not posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XXXX of 2016, santader auto called my mother-in-law and my brother about the alleged debt. They told them they were looking for me for this alleged debt and told them I would be arrested if I did not pay. They have also called me hundreds of times and this is a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I had a minimum payment due of XXXX. I made the payment on XX/XX/XXXX. In reviewing my account online today I noticed I got charged XXXX on XX/XX/XXXX for a late payment. I don't dispute my payment was late by two days only the fact the payment was withdrawn on the exact date the payment was due. I took a screen shot of my account for proof of the charge on the incorrect day. My statement should have shown the late fee being processed after the due date. I also had a interest charge on a purchase in the amount of XXXX on XX/XX/XXXX that I'm not sure what that is from.In addition, to prevent a future charge because my record shows ontime responsible use and timely payments. I used the option to change my billing date. In reviewing that, It states it can take up two months for this to activate due to one full billing cycle needed for the change. My charge card is for repairing credit, it is a backed card, I also have a XXXX card that is responsibly used. My credit is currently in the average range and my XXXX  card will convert to a regular card after a few more months. I hope to keep doing business with Capital One and with the success of FICO information online for credit building, as well as the Texas Corporation Money Management counseling I received .In addition I did lots of research. But, I'm still learning too. I hope these things brought to your attention will help all of us. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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