BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
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 is missing that should be on the report

Complaint:
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and Experience, XXXX and XXXX XXXX is not reporting both cards

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 2021-07-03
Company: AG AH LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( XXXX ) CFPB : This complaint is against Arc Home LLC ( they also call themselves XXXX ), the handlers of my mortgage ( loan # XXXX ). One of their addresses : XXXX  XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX, Virginia, XXXX. One of their phone numbers : XXXX. 
Their website XXXX XXXX XXXX XXXX XXXX XXXX I haven't contacted Arc Home regarding this complaint because they NEVER responded to any of my inquiries. 

I recently sent Arc Home two messages ( using their own website ) explaining that my bank ( XXXX XXXXXXXX XXXX ) was going to send them a payment on my behalf of {$32000.00}, consisting of my usual monthly mortgage payment of {$2600.00} for the month of XXXX, plus an additional {$30.00} to be applied toward my principal. 
Arc Home acknowledged receiving that payment on XXXX, but they applied the payment as follows : a. {$2600.00} as the XX/XX/XXXX regular monthly payment ; b. {$2600.00} as the XX/XX/XXXX ( advance ) monthly payment ; c. {$27000.00} to be applied toward my principal as of XXXX. 
It appears to me that Arc Home chose to use most of my {$30000.00} for their own purpose essentially interest free for nearly two months. By essentially interest free I mean that sometime in XX/XX/XXXX I may find that they paid me something like 0.1 % for my {$30000.00} that they are holding from XXXX to mostly XXXX vs. the 2.75 % that I continue to pay to Arc Home for that money.

The attachment shows Arc Home 's handling of my payment, as I described above. 

I realize that the dollar value of my complaint isn't much. But I'm doing all I can to get out of this XXXX yoke of a mortgage, and Arc Home 's actions, and the prospect that they will continue to thwart my efforts is more than I voluntarily accept. 

I believe it's right that the {$30000.00} be applied to reduce my principal as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the company for mortgage assistance on or about XX/XX/2022. 

With no reply, I submitted an online request for it and then uploaded all my documents everything 's complete. And the response from the company that they are 90 days behind at that point I would be losing my mortgage. 
I worked very hard to never have a late payment on my credit report since I made from mistakes when I'm younger and this is now the first payment that will be marked late.

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 2022-08-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo allowed someone to commit fraud in my account four months ago. It ruined my credit. They were absolutely useless and helping. I just received another loan that is fraudulent in the mail. I don't have the time or mental capacity to deal with this again.

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 2016-07-18
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.

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 2017-07-21
Company: Diversified Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i have proof from the court that the company tXXXX XXXX XXXX which is located overseas were suppose to issue me a refund for the amount of {$6600.00}, which i purchase in XX/XX/XXXX and never received. It was order by the judge that i should received the money after i won my case back in XXXX of XXXX and i constantly emailed the company XXXX XXXX XXXX and they keep dodging my calls and emails. i even sent them emails from a email they didnt recognized and they responded right back and when they found out it was me they ignored me. heres the lawyers email XXXX. i even sent affidavits and all and theyve received the info in the mail and still no response

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 2021-12-08
Company: CAVALRY INVESTMENTS, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been comprised since sometime in XXXX at least. Last XXXX XX/XX/XXXX, I received a notice from the Virginia Employment Commission ( VEC ) stating that I filed for unemployment benefits. However, I've been gainfully employed the last 16 years with the same company and my company denied the claim due to it's fraudulence. 

I filed a police report with my local police department, added a fraud alert and credit freeze and pulled my three credit reports. I saw three accounts that I did not open, charged off in collections- all opened in XXXX during covid. 

I reached out to XXXX XXXX and advised of the unauthorized account, I asked for proof such as picture ID or signed contract - they stated the account had been sold. 

I reached out to Jefferson Capital also advising them of the unauthorized account they stated they would look into it. I disputed the tradeline and it was validated by Jefferson Capital.

Now, Jefferson Capital is suing me in district court, to collect on a fraudulent account opened with my stolen identity, which I have evidence it was stolen based off VCC letters, police report etc.

I've asked Jefferson Capital to send me a signed contract ( if e-signed a picture of the signature ), picture ID of the applicant to identify who opened this account ( which could lead to the arrest of the perpetrator ), which would exonerate me of this debt and stop Jefferson Capital 's collection efforts.

I request that Jefferson Capital cease all collection actions and delete their tradeline from all credit reporting agencies permanently. 

Any legal fees or wages lost may be added to my countersuit in court or via arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Took a Loan Out From Ace Cash Express Roughly 2 Weeks Ago. I Get Paid Semi Monthly On The XXXX And The XXXX As It Clearly States On My Paystubs That Ace Cash Express Has In Their System. Ace Cash Express Decided My Payment Was Due 3 Days Before My Pay Date On The XXXX ( XX/XX/2021 ). I Received Messages About The Payment Being Due On The XXXX And Called In To Advise The Customer Service Reps Of My Date And That My Payment Shouldn't Be Due On The XXXX. They Told Me That I Had A 6 Day Grace Period And Should Be Good To Go And Never Once Mentioned Extra Interest Charges Or Late Fees. When I Went To Pay The Loan Off On The XXXX, I Was Charged An Extra {$200.00} To Pay Off The Loan. The Pay Off Amount Should've Been {$1600.00} And Instead It Was {$1800.00}. This Is Absolutely Ridiculous And I Should Not Be Charged Extra For Their Mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

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 2023-07-28
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: Information belongs to someone else

Complaint:
I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in home invasion where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also XXXX XXXX XXXX XXXX from Home invasion as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This complaint involves two issues. The first issue I had was that Conduent loan services did not credit my account with the correct amount that I had paid. They had shorted me by about {$250.00}. After multiple phone calls, first to XXXX, ID number XXXX, and then to XXXX, ID number XXXX, the issue was finally resolved. It took way longer, about a month to resolve this, than it should have. Thankfully, I pay attention to my records, or would never have known about this issue. The second issue I had was receiving another borrowers personal information in the mail. I opened the mail, as it was sent to my address and I have loans serviced by Conduent, so I thought they had put the wrong name on the correspondence. Upon opening the mail, I realized it was someone elses application, with her personal information on it. I was horrified to think that someone might get a copy of my personal identification and financial information in this way. I called Conduent to report this error and the customer service rep was extremely rude and said clearly the mail was addressed to someone else, as if it were my problem that I opened mail from a servicer I use that was sent to my address. He told me to return to sender. I asked his name and ID number and he hung up on me. This was on XX/XX/2018. I am extremely concerned that an organization such as Conduent is handling money and personal information from me and many others. My confidence in this companys professionalism and financial management capabilities is extraordinarily low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am XXXX and on XXXX XXXX. I receive XXXX XXXX income through a Huntington Bank account. The bank ceased my account. On Wednesday, XX/XX/2023, night, I received several email notifications of a low account balance. The following morning, I went to the local branch at XXXX XXXX XXXX in XXXX XXXX, Illinois. I spoke to XXXX XXXX XXXX who was in a managerial position about my situation and told her about my XXXX XXXX account. I told her that I have some scheduled bills to be paid in that account. She asked me to see a teller, XXXX XXXX who made several unsuccessful phone calls. 
The same day, I called Huntington Bank 's headquarters in Ohio. I spoke to XXXX ( not sure of spelling ) about my problem. She was civil and sympathetic. She connected me to her supervisor XXXX. XXXX would not give me any other type of identification after listening to my problem. I requested their legal department, but she connected me to XXXX in Court Order Processing Division. He made several fruitless efforts to reach somebody in their legal department. He promised that somebody from that department will call me, and nobody called me back, instead, my account is constantly adjusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One is the bank where i have a joint account with my mother. Recently, all local branches in my area were closed. As a result, I went on the Capital One and used the branch locator feature, which directed me to various ATM locations, including ATMs at XXXX and at XXXX XXXX. I used an ATM at each location because I believed the branch locator feature was directing me to an ATM that was a Capital One access point and that I would not be charged a fee. Unfortunately, I was charged fees at each of these ATMs. I called Capital One and they agreed to reimburse the fees. However, the branch locator feature is deceptive in that it makes you believe you can access your account as if you were going to a branch, when in fact, that is not true. To make matters worse, there are no branches in the area sufficiently close. How on earth are people who can not drive or use mass transit able to access their accounts without fees if both the branch locator feature is deceptive and there is nothing reasonably available within a short distance? 

This is problematic and I don't think reimbursing the fees really solves this problem. I will still have no ATM near me at which I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Their investigation did not fix an error on your report

Complaint:
This is in regard to late payment notices sent to all three CBRA 's by FIFSG. Please remove those notices. FIFSG claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA EDD which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.

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