BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Freedom Mortgage stated my home hazard insurance was expired very soon after taking over servicing of my mortgage. This was inaccurate as my insurance was paid at settlement just a couple months earlier for a full years term. Freedom has all my insurance information and is scheduled to pay the insurance out of escrow. Instead of verifying with the insurance company they automatically took out a more expensive policy and said I had to prove I still had insurance. The request came from a third party that was not Freedom mortgage and not using Freedom mortgage websites or phone numbers, so it appeared to be a scam. After I verified the insurance, Freedom mortgage rescinded the additional insurance. Reports from other Freedom mortgage customers on the internet report this is standard practice for Freedom mortgage even though they can verify customer 's insurance. This practice appears to be a deceptive trade practice by the mortgage company to try to get additional money out of their customers and put the burden on customers instead of verifying the insurance with the data they already have on file.

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 2021-09-08
Company: WATERMARK CAPITAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My request to Watermark Capital , Inc LoanCare was to disburse the insurance payments to my home owners insurance provider from the established escrow account. I have been contacting the Watermark Capital , Inc . Customer service since XXXX XXXX, 2021 and the issue has not been resolved yet ( as on XXXX XXXX, 2021 ). 

I have been on long calls ( ~30 to 45 minutes ) with the Watermark Customer Service ( Escrow and Insurance ) departments on several days over the last 4 months. Here are the customer service request tracking numbers provided for reference - Ticket # XXXX ( Wednesday, XX/XX/2021 ) - Ticket # XXXX ( Monday, XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: FORD MOTOR CREDIT CO.
State: CT
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:
I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for Ford Motor Credit to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at Ford Motor Credit. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX  my application was printed and the information provided to XXXX XXXX XXXX  without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with XXXX XXXX XXXX. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a small business. I do not allow my information to be shared as it could cross the desk of a local regional bank and be seen by a customer. Both XXXX XXXX and XXXX XXXX XXXX  ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to Wells Fargo to open a joint checking account on XX/XX/XXXX. I was turned down by there XXXX because Wells Fargo was reporting that I had a charged off credit card with them and owed them money. The banker contacted the credit department and the recovery department both showed I paid off the account in XXXX. When you review my credit report it also shows that I paid off the credit card in XXXX. After over an hour on the phone, the banker was unable to resolve the issue and said they would need to refer it to an escalation team. 

This seems to be a new error that has popped up because I was able to open a new checking account with Wells Fargo back in XXXX which would have been after the supposed nonpayment on this credit card.

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 2022-08-05
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was scammed by a person from XXXX I tried to buy a XXXX XXXX and he told me the price and showed invalid proof that he was not a scam so I sent him the money which he ended up being a scam because he told me that I would get an email to confirm that the XXXX would be sent and once I messaged him back to tell him that I did not get the email he blocked me so I contacted cashapp to try to get my money back and they told me since it was a cash transaction that I cant get my money back but I have all the proof to show that it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was XXXX XXXX a year ago from work and home XXXX last year. i am unable to make monthly payment with pennymac and seeking search for a buyer to buy the home for less than i currently owe pennymac in a short sale however all requests are being rejected for review. I submitted a borrower assistance package last month requesting a short sale review and no response. It has been really difficult for me and my family and i am trying to resolve the debt i owe by selling the home and not have foreclosure on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was pre approved of a {$200000.00} VA home loan on XX/XX/2023. 

XX/XX/2023 I payed for the inspection {$400.00}, earnest money {$1200.00}. 

XX/XX/2023 I payed {$670.00} for an appraisal. 

During the whole process they kept changing my loan team around I was given multiple agents that Handled my loan documents. Apparently there was a team that got involved and started to not approve mortgage loans because USAA had made some mistakes giving out these pre qualifying numbers. 

The whole process was very stressful and un organized. All for nothing in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX I sent Convergent Outsourcing INC,  a letter requesting validation and to cease and desist from collecting until they prove the debt belongs to me. I asked them for the contract with the original terms and conditions. They have yet to send me all four items that i request on XXXX XXXX, XXXX. You can not collect until you validate the debt and that 's what convergent outsourcing is doing.

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 2018-02-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have checked my credit and seen a very old debt from Aargon agency collections. And I see that the debt is more then 9 years old but they keep updating the debt as if the debt is new. I also never knew of this debt and I was never notified of it. But its an old debt that is more then 8 years old it  should taken off my credit.

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 2020-08-14
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: Personal information incorrect

Complaint:
i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days

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 2022-02-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My navy federal account was hacked through a phished email, immediately called the fraud department and reported the hacking and told them the pending deposited check was not deposited by me, they stated theyd freeze my account and cancel the deposit. They never canceled the deposit, it went into my account and I spent it, got a call that I owed due to the fraud check, I repaid the money back and a few days later my account was placed on a level nine hold, I could no longer use my debit card, atms etc. navy federal also provided me with a copy of the check that was clearly not signed nor endorsed by me, also stated that they could see my account was hacked by someone in XXXX and refused to unlock and reinstate my account. Further more they also placed a false negative consumer report about me and has made it so that I can not open any bank account making life difficult

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX got new insurance and they have a record of an at faulty accident against my driving record I have never had an accident. I am unaware of any information where this was suppose to happen or what was involved in this accident. Where did LexisNexis get this information my insurance agent XXXX XXXX XXXX does not have any record of this accident involving me, my Husband XXXX XXXX May have been involved in this accident I was not driving nor was I in the vehicle when this was suppose to have happened on XXXX XXXX XXXX reporting agency is XXXX./LexisNexis. My Birthdate is XX/XX/XXXX. I want this removed from my records. I have not been involved in any accident either at fault or not at fault. My phone number is XXXX if more information is needed you may also contact my agent drivers license number Ohio XXXX. Please resolve this problem. My new insurance is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a discover account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. 
However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. 

On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. 

Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Account Control Technology, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is about account control technology inc. In XXXX   XXXX california they are the loan servicer on my student loans to start off there's a guy named XXXX who called me 15 times a day while at work and home he was relentless to the point I shut  my phone off these people are suppose to help me not harass me I asked for a loan discharge do to the fact I didn't have a XXXX  they say I checked the box that said I did I went into my account and I didn't check that box now they locked me out of my account I also told them when I went to school to become a XXXX XXXX worker I was not able to benefit from these classes cause I was told you can not work for XXXX XXXX   with XXXX   XXXX I have XXXX witch automatically puts me in disqualifying status that me the borrow could not meet because of the legal requirements required by the job the loan servicer didn't care and will not help me I asked for a full review of my student financial aid account from top to bottom they say I owe XXXX plus interest XXXX is the total they took a tax return for XXXX XXXX bucks that does not show they took I went to school for a short peiriod XX/XX/XXXX to XX/XX/XXXX So not for very long I stopped going because there was no way for me to benefit with XXXX XXXX XXXX plus no XXXX  the total time spent out of those dates at school was a short peiriod that's why I asked for a full review of my account immediately plus the XXXX XXXX tax return that doesn't show in the balance plz help me get this stopped or at least help me get a full review or loan discharge for false certification for disqualifying status because of my XXXX XXXX witch the school knew about but never told me i couldnt become a XXXX XXXX   worker they also knew i didnt have a XXXX so now they have attached my wages I can barely afford to feed my children plz help me I'm a single mother barely hanging on I'm so stressed out over this it's created a financial hard ship I don't know what to do I'm at the end of my rope with XXXX so bad I can't sleep eat barely make it to work these loan servicer are not out to help me there out to sink me and my children please help me thanks for your consideration I don't know what to do sincerely lost hope.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 2019-04-01
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect debt that is not due from an old landlord. I am filing a complaint against the landlord company, and have emails to show several inconsistencies in misappropriations of funds within my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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: Old information reappears or never goes away

Complaint:
I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.

Company response to consumer: Closed with explanation