BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector hasn't provided proof that the alleged debt belongs to me. This company hasn't sent me anything to give me the right to dispute this alleged account. debt was sold from the original creditor after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Information belongs to someone else

Complaint:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a XXXX from Ocwen dated XX/XX/XXXX forgiving {$200000.00} which resulted in a unpaid principal balance of {$380000.00} ( see attached exhibit A ). I subsequently received a loan modification dated XX/XX/XXXX ( after a series of mishaps with Ocwen described in a letter from Ocwen dated XX/XX/XXXX ) ( attached Exhibit B ). This loan modification indicated that my principal balance was {$500000.00}. along with a balloon mortgage of {$210000.00}. My payment history indicates a current balance of @ {$370000.00}. ( attached as exhibit C ). I do not agree with the addition of this mystery balloon payment as there are no representations of it anywhere else in my records. 

I will file two separate complaints for other concerns that I have with Ocwen, but would like your assistance in getting a concrete explanation of the purported balloon mortgage and acknowledgement from Ocwen that this will not be added to my balance now or in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original Creditor ( s ) : XXXX  ; DEBT : {$270.00} XXXX XXXX XXXX  ; DEBT {$320.00} Item 1 : XXXX XXXX XXXX ; XXXX XXXX XXXX  ; Debt : {$320.00} ( The previous Debt Collector : XXXX XXXX XXXX XXXX  ; Debt : {$320.00} ; and Original Creditor XXXX XXXX XXXX ; ) I spoked with these parties about the opened fraudulently account. They stated the account was a business account under my identity but there is no copy on file of LLC, DBA, INC, or Corporation and no business name on file. I have no business registered in the state of Florida what so ever. In which is why Debt Collector ( XXXX XXXX XXXX XXXX  ) Removed the account from collection ON XX/XX/XXXX. 

Item 2 : XXXX XXXX ; XXXX ; Debt : {$270.00} ( Previous Debt Collector : XXXX XXXX XXXX ; Account Number : XXXX ; REMOVED ON XX/XX/XXXX ) THIS DEBT IS NOT UNDER MY NAME ONLY MY SOCIAL SECURITY. 

The items I have identified above are inaccurate and opened fraudulently due to identity theft. XXXX XXXX XXXX XXXX XXXX. These accounts were closed repeatedly last year and earlier this year due to fraudulence. Yet, they continue to harass me with multiple debt collectors whom are not authorized by law collect nor request these fraudulent accounts through any of the credit bureaus ( XXXX, Experian, & XXXX  ). 

Laws to abide by : 1. 1022.123 Appropriate proof of identity 2. PART 602FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 3. PART 681 IDENTITY THEFT RULES

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.

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 2018-04-27
Company: Mercedes Benz Financial Services
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Capital One Bank is listed by XXXX XXXX as one of the companies that will wire transfer funds to XXXX ( a digital exchange ). However, my account is with Capital One 360. Cap One 360 will only do a wire transfer to a title company, checking, or savings acct. Since this is an exchange, they will not allow me to transfer my funds to XXXX. That is their policy. I tried to open an account with Capital One which is a retail bank. But I can't do it online. It has to be done in person. The nearest branch is in XXXX XXXX. I live near XXXX XXXX Because of this policy of Cap One 360, I will be forced to move my monies out of my 360 account to another banking institution. I have spoken with the Cap One customer service multiple times. They would not allow me to speak with a higher up person. They would not escalate my query. When I asked what I could do to 'make this ( transfer ) happen ', they offered no suggestions. I may as well have spoken to a brick wall. That is how I felt. I initially opened this account via XXXX XXXX years ago. This account evolved into Capital One 360. So, in the end, because I live in XXXX, I can not wire transfer my Cap One 360 funds to an exchange. This is not right. Capital One 360 is a large, international institution. They should honor my right to perform this function.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I have a XXXX  Mastercard. I have payments going out on autopay. On XX/XX/2019 XXXX Mastercard received a payment of {$140.00} which was the minimum payment due. Now today XX/XX/2019 my bank is showing pending for XXXX Mastercard to take another {$140.00} even though on their automatic machine it says they got paid on XX/XX/2019 for the {$140.00} and no payment is due till XX/XX/2019. However the girl said they take monies 7 days later, that's not right. Therefore ; what they are doing is a Fraud! I never Authorized XXXX 's to Debit MY Account Automatically. Therefor I want the Autopay suspended with XXXX 's or I will press charges against them! 

Very truly yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date.

3. The New monthly payment reflecting the removal of property taxes and insurance.

4. Statement reflecting the status during mortgage company acquisition of my mortgage.

5.Immediate removal of late charges and negative credit report due to the new unexplained charges.

Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX University for 6 months I started XX/XX/XXXX- XX/XX/XXXX. the loan that I am concerned about is through US DEPT . OF EDUCATIONGL. 
i have a student debt for XXXX. I don't believe this balance is accurate.i have. tried to call them and ask them to go over the loan and the requested date. XXXX UNIVERSITY was under investigation or student loan fraud. I have placed the amount into forbearance until I can get to the bottom on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: NH
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:
We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below? 

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: American Student Assistance
State: HI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.

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 2019-09-16
Company: Square Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The install plan for Square POS required a credit card on file in which I authorized automatic payments every two weeks for {$140.00}. Instead of using the authorized credit card on file they have illegally obtained my checking account information and are attempting to withdraw {$280.00} every two weeks causing overdraft fees and other problems for me. I never authorized them to withdraw from my checking account, even if I did Ive expressly told them I withdraw authorization and they continue to attempt to withdraw my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ALLIANT CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of XXXX  I paid my annual fee of {$99.00} for the Alliant XXXX XXXX credit card. In XXXX of XXXX I was notified of significant benefit changes to the card that will be implemented later in XXXX. These changes result in either a significant benefit erosion or a requirement for me to obtain additional products and move money into an Alliant checking account. I contacted Alliant several times regarding this issue requesting a refund of my annual fee due to the changes. Alliant refuses to even respond to my complaints requesting an annual fee refund, simply stating that if they agree to refund me the annual fee that I'll see a refund. 

The changes are detailed here :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

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 2019-03-24
Company: Experian Information Solutions Inc.
State: IL
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: Didn't receive services that were advertised

Complaint:
I paid Experian XXXX XXXX XXXX {$79.00} a year for during the past 3 years. They advertise that " they will notify you if your social security # has been compromised ''. They totally missed it when I had an IRS data breach either via my tax person or the IRS itself as she states that they were breached 4 times last year. 

Anyway, XXXX XXXX XXXX I have evidence that they advertise they will notify me if my soc Sec # would be compromised. THEY did not. When I contacted them XX/XX/2019, I told them the situation and said " why did this happen? '' They laughed in my face! I asked " excuse me, may I have a refund of the rest of my membership please as obviously it did not work? '' They responded with " sorry no refund '' in a male voice still laughing at me. So for being their customer for more than 3 years l find it extremely disappointing and terrible that I got treated like that. I definitely need to make a complaint against them and their " false advertising '' it seems like to me. 

The next time I contacted the company on a different day, they said they will be making me a refund of {$32.00} and some change ( approximately ). I asked them about identity restoration and they responded with " we just sell these plans, we are not investigators. '' I still to date of this writing have not seen any refund on my account they charged ( 37 days ago )

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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

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 2021-05-24
Company: Experian Information Solutions 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 am a victim of identity theft. Someone fraudulently opened a XXXX XXXX store credit card in my name. I spoke with XXXX XXXX who instructed me to file an identity theft report with the Federal Trade Commission. On XX/XX/2020, I filed an Identity Theft Report. I mailed the FTC report along with a letter asking the credit bureaus to remove the inaccurate information from my credit report. XXXX and XXXX removed the items but I have had to send several letters to Experian asking them to remove this item. I sent certified letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. This item remains on my credit report. I received a letter from Experian on XX/XX/2020. This letter says that the XXXX XXXX account has been deleted from my credit file. The XXXX XXXX account has not in fact been deleted from my Experian credit report. The fraudulent XXXX XXXX account is currently being reported as a closed/charged-off account. This item should be completely removed as per the Federal Credit Reporting Act, which states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I have made several phone calls to Experian to no avail. Please look into this matter and hold Experian accountable. More than anything, I need this fraudulent item removed from my credit report because it is keeping me from obtaining credit and interfering with my livelihood. I have attached the following items : -Certified letter tracking receipts for letters sent to Experian . 
-A copy of my FTC Identity Theft Report. 
-The letter from Experian saying that the item was deleted -A copy of my current Experian credit report showing the XXXX XXXX account as a closed account which is negatively affecting 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 non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation