BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We just got a chapter XXXX bankruptcy discharged. Prior to the discharge, the mortgage company tried saying we were 3 months behind on our mortgage payments. We proved that we had made all of the payments and the mortgage company withdrew their request for relief. After that, it took about a month to get the discharge. With the discharge, we received documents stating that our mortgage payment was going up by approximate $ XXXXmonth to cover escrow deficiency. We were not given an opportunity to respond to this with the courts. Then, within a couple of weeks of the discharge we got documents in the mail stating that we were 2 months behind on our mortgage and threatening foreclosure. When we called to try to show them that we had not missed any payments, they reinforced the threat of foreclosure and said that we had to pay them {$1900.00} to get up to date. A couple of days later, the amount changed to {$1500.00}. We have an email from their attorney from XX/XX/XXXX stating that all we had to pay to " get caught up '' was {$110.00}. We still dispute that amount as we have faithfully paid our mortgage during the entire bankruptcy, which began in XX/XX/XXXX and the short payment that they allege was all that was due because of previous overpayments. However, we paid our full payments in XXXX and XX/XX/XXXX, so as confirmed by their own attorney, the {$1900.00} or {$1500.00} is not money we owed them. We paid the {$1500.00} to keep from having false information reported to our credit. We have had ongoing issues with this mortgage company since XXXX. It is criminal and we need it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Bepensa Capital, 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: Account status incorrect

Complaint:
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im not sure the actual date but it was in XXXX I had Chime for my banking and I had a bunch of unauthorized transactions on my account so when I filed a dispute with them they closed my account saying I violated there terms of service when I did nothing then the dispute had been completed with me winning and my money put back on my account but its closed so its still useless and you cant get any one there to talk to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Information belongs to someone else

Complaint:
This XXXX XXXX XXXX  card account has been reporting incorrectly on my credit reports for years. I DO NOT recognize this account. It should NOT be reporting on my credit reports.

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 2018-10-29
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The account is under " The Estate of ''. As soon as this servicing company took over the loan, they deducted homeowners from escrow and raised the payment. We supplied proof of homeowners several times, ( which we pay on our own ) to no avail. It took 2/3 years to get them to do a correct escrow analyasis. During that time we overpayed by {$2000.00}. They sent a check but it was made out to " The Estate of ''. We could not cash the check because the estate is closed. We got authorization to pay only principal and interest until the credit was sufficed. However, the entire time we paid principal and interest we were being charged a late fee and a balance was accruing since the entire payment was not made. I spoke with my rep every month numerous times and was promised this would be corrected. Records show we have been in default for over a year however we made our authorized payment every month. Now all of the sudden we get a certified letter saying foreclosure will start after XX/XX/2018 if we do not remit the entire balance owed which we do not owe. We have been trying to assume this mortgage once records were corrected and now they are trying to force us into forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX ( attached doc ) from XXXX XXXX XXXX on the morning of XX/XX/XXXX to cover pending items as well as anything that would come through my BOA checking account on XX/XX/XXXX. I looked at my BOA account on the morning of the XXXX and saw that BOA put a hold on the XXXX check until Saturday XX/XX/XXXX. In the meantime I transferred XXXX CASH from my BOA business account to my BOA checking account to cover the XXXX  check they put a hold on. I called and spoke to a rep who told me that BOA sent a message to XXXX confirming the account number and XXXX did confirm it. He then said BOA was waiting for XXXX to release the XXXX funds and then it would show up in my account. I asked why BOA would use my money instead of putting it in my account right away, he assured me BOA would not do this and would immediately credit the funds to my account. I got an email from XXXX today telling me that XXXX was withdrawn from my checking account ( attached doc ), however I still do not see it credited to my BOA account, actually I see 2 {$35.00} NSF charges even tho the cash was transferred this morning, the NSF fees were no on my account this morning when I spoke with the rep. I had the same problem earlier this week and after about an hour dealing with them they admitted the XXXX NSF fees were taken out in error they refunded it. It seems to me BOA is constantly trying to steal their customers money and I end up spending so much time dealing with them to get it back.

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 2018-10-29
Company: EQUIFAX, INC.
State: OH
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:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

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 2020-07-23
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I tried to point out two errors to my loan company to no avail. Submitted proof of errors and still no one responds to me. Instead they did opposite and increased mortgage by {$400.00} dollars. My first error was my homeowners insurance. This was picked by Broker who got my loan. That homeowners insurance was XXXX XXXX. However, I chose to change to another company once I closed to XXXX homeowners because they give good discounts to veterans. I Submitted this to caliber home loans, my loan company, and to this day, it still shows like I have XXXX XXXX along with XXXX even though I canceled XXXX XXXXXXXX and got refunded from them. Moving forward, I asked for escrow analysis for my mortgage to go down because my XXXX premiums are much less than the original homeowners insurance XXXX  XXXX. However, Instead of decreasing, they shot up {$400.00} dollars more. When I investigated further, I realized that caliber home loans went and paid the property taxes for the year when they were not supposed to because my escrow company had already done so for the year. This left my escrow account account in the negative {$1900.00}. I Submitted the documents that was given to me by XXXX XXXX which is my escrow company to caliber home loans and no one wants to address the issue. I was told that they were aware of the mistake, but in response to that, they went ahead and did a new escrow analysis with my escrow being negative {$1900.00} knowing full well that it was not supposed to be in the negative. And with that, their new mortgage calculations are with me having 2 homeowners insurance companies when I had already canceled one. Please help me rectify this situation. All I want is for them to reverse what they did and bring my mortgage back to where it should be with the right information. I thank you in advance for your time and assistance. From XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.

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 2017-06-27
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.

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 2018-10-29
Company: JPMORGAN CHASE & CO.
State: MO
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 recently opened my credit report and discovered unknown accounts ; CHASE AUTO XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CCS Financial Services, Inc.
State: OR
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:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CREDIT COLLECTION SERVIC ( Opened XX/XX/2017 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX, 2017 I paid a final payment of XXXX $ on a Citigroup Best Buy card to fulfill the repayment requirements for a no interest promotion. I then discover that the Citigroup only charge my card payment the minimum amount thus because of this the time for the no interest promotion past thus they charge me all the interest. I have never paid minimum. and had thought this was paid. I have paid the bill of XXXX in full but I feel that this has been a scam. I have purchased many items from Best buy and have never paid interest. Citi bank chose only to take the minimum thus voiding the offer, this was done by them to void the no interest offer.

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 2019-02-18
Company: Experian Information Solutions Inc.
State: OH
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 have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AL
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , Inc. XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: VW Credit
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, it was reported that VW Credit INC had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of VW Credit inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}

Company response to consumer: Closed with non-monetary relief