BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi CFPB, I've refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank that refinanced my house :  XXXX XXXX ( debt collector : XXXX ) to a new debt collector called Ditech. The problem is that, because of a miscommunication between the companies and me, I should have started to pay Ditech in XXXX, but, instead, I've started paying in XXXX. 

After paying Ditech, I was informed by XXXX that I should send a check to them in order to cover XXXX, what I've done and can proof. So, then, I've called Ditech and they told me that were going to use the XXXX payment to cover XXXX and should be all set. 

They never did. Instead, they've paid XXXX for XXXX, so then XXXX received two payments, one from me, and one from Ditech. 

Last month I've contacted Ditech to negotiate my interest rates and they finally discovered the problem. As soon as this happened, they've started to charge me two mortgages, instead of one and also started to send letters threating me about foreclosure. 

I've called Ditech and said that they have to get reimbursed by XXXX. They said that they can't do anything about it and that I should ask XXXX to reimburse me instead, so then I should use the money to pay Ditech until the end of this month, otherwise, it will have consequences ( more threats via phone ).

I've sent two faxes, one to Ditech and one to XXXX, showing my proof of payments. I've contacted XXXX, but they said that just solve problems like this via fax. The problem is that the time is passing by and they've never replied to anything, even though my fax has my phone number, email and all the details of my account. When I call them, they say that don't have any information about my account. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Fraud via Wells Fargo started on XXXX XXXX. 
And continued to XX/XX/XXXX. 
I was notified via notification from my app that my card was declined aprox at XXXX on Sat the XXXX. I looked at my account and saw a charge for {$380.00}. In the state of WI. 
I quickly called my bank to let them know. 
I later that day received a call from a " XXXX from Wells Fargo Fraud debt ''. 
XXXX told me he was working on my case. He had ne verify whom I was via verification code he then text me. 
He assured me he was doing all he can to help me. But warmed me to stop logging on as the hackers were continually getting access to my account. He could even see that I had chaged my password and told me it was compromised and to verify it in the text verification again!! He advised me to remain OFFLINE of the WF app while they further their investigation so I would not further compromise my accounts! 
Now XXXX called me back on Monday then on Tuesday. He assured me they almost had everything resolved and almost all my money was back into my account as he continued to sending me verification codes so he could send me all the money back to my account. XXXX XXXX. 
He also had got my husband on the Line via a 3 way call to verify both our accounts info and passwords. 
By this time the scammers were apparently working every account and cleaned our everything!!! 
It wasn't untill my husband got a call while at work, on Tuesday the XXXX. The exact moment I was still online with XXXX! 
It was the ACTUAL Wells Fargo saying that my husband 's card was now being used! 
My husband text me and told me to Quickly hang up! 


That's when I called Wells Fargo fraud dept on back of my card and reported EVERYTHING!! 
As did my husband! 
We spoke separately to 2 different Fraud agents and made claims. All 3 accounts were closed and 3 new accounts were opened. 
Passwords were changed with online banking as well. 

By then it was too late. 
They cleared out {$1100.00} of my personal savings and $ XXXX of my special needs daughter 's savings. 

Wells Fargo not only is denying my claim. 
They even tried blaming my husband for part of the transitions. 

This has created sooo much financial heartache & stress!! 

I have been with Wells Fargo for nearly 30 year 's. I would think they'd have my back in a situation like this. 
But they DON'T!! 

I need help PLEASE!! 

My child 's life savings ....

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 2019-06-28
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've sent a letter about 2 accounts listed on my personal credit report and Equifax replied in a letter stating one of those were not reporting. That account is still reporting as of XX/XX/19 and I want it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hi on XX/XX/2019, I purchased a used car through XXXX of XXXX in AZ and tried to buy GAP insurance since its finance thru USAA. I was told that per the Military Lending Act since I am a XXXX they cant sell it to me. I tried to buy one through USAA but they do not sell them anymore. This MLA is hurting the military service members unnecessarily. I told them this only applies to active duty not weekend warriors but they said it does. Is that true? XXXX XXXX XXXX wont sell the GAP. Thanks.

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit reporting agencies refuse to remove information that is not mine 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 2021-07-19
Company: EQUIFAX, INC.
State: AZ
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:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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 explanation
Consumer complaint received 2018-12-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.

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 2019-09-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.

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 2021-10-26
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or XXXX. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.

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 2019-09-14
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Between XX/XX/2019 and XX/XX/2019, a new account in collections was added to your report. The collection agency is CREDENCE RM. The original creditor was XXXX XXXX XXXX. 

I NEVER HAD THIS ACCOUNT -- -THEY NOW PUT IT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} XX/XX/XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Lansing Professional Business Bureau,Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lansing Professional Business Bureau has contacted me multiple times about owing XXXX dollars from 8 different medical accounts. The business is not licensed in my state and has not given me sufficient proof of me owing the debt or about their licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender keeps advising that the reason they can't offer me another plan is because I failed my last modification. I never had a loan modification back in XX/XX/2020. It was a repayment plan. 

I am just asking them to properly review my loan. I have been waiting for over a year now asking for help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Exeter Finance Corp.
State: AR
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:
ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX   ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at XXXX weeks gestation. It was here in the hospital, where I will remain for another XXXX weeks until the birth of my child, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.

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 2022-01-05
Company: EQUIFAX, INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$900.00} loan to pay the IRS to stop them from taking the next step toward collection. What I was not expecting was it costing men {$3600.00} for that loan amount. When I called thinking the loan should be paid off I was informed that I get charged DAILY interest. They do identify themselves as a XXXX tribe under XXXX XXXX in Montana. This is outright fraud. No loan should cost you triple of the amount you borrow. I have made 3 payments of {$400.00} which totals {$1200.00}. They take it directly from my banking account. I am going to stop payment for the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Was not notified of investigation status or results

Complaint:
I am a XXXX XXXX service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly Equifax providing a police and incident report. The aftermath has caused my XXXX score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase bank charges extended overdraft fees which cost more than what they paid for {$5.00} I got {$34.00} overdraft fee then a {$15.00} extended overdraft fees! On XX/XX/XXXX I was charged {$34.00} for recurring fee. For {$19.00} charged {$34.00} overdraft fee and {$15.00} extended fee. These are fees from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: CO
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:
I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my 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