BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: M&T BANK CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
M & T Bank made a breach on my XXXX Credit Report profile page. When reviewing my XXXX Credit Report file XX/XX/XXXX, I was stunned to discover an unauthorized land line phone number was listed under my home and cell phone numbers. I disputed the unauthorized phone number on XXXX website & called XXXX on XX/XX/XXXX to confirm the disputed report and have the number removed from my profile page. The XXXX agent stated that M & T Bank added the unauthorized phone number one month after my husband and I took out a loan for a recreational vehicle, which would have been XX/XX/XXXX. I immediately contacted M & T Bank, the first Bank representative made a lame suggestion that the unauthorized phone number was likely a bank branch number, but the nearest branch is 129 miles from my home, and the area code is the same as mine. I hung up & called a 2nd time, requesting to speak to the Fraud department, in which the bank representative did find the unauthorized number on M & Ts file in my name. The number was removed. I wrote a letter to M & T Bank XX/XX/XXXX explaining the above and requesting HOW this could have happened. I checked the other credit reporting agencies & only XXXX had the unauthorized phone #. I check my credit reports annually, did not notice the phone number until XX/XX/XXXX. I am aware that M & T Banks ATM accounts were hacked and wonder if other systems within the bank were hacked?

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 2020-01-21
Company: SN SERVICING CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, believe that I am a victim of a predatory foreclosure scam that violates the Consumer Protections of RESPA and 12CFR1024.30-41. 

I received a loan modification from my previous mortgage servicer XXXX XXXX and can attach the Trial Period acceptance letter in XX/XX/XXXX. I began making the trial period payments in XXXX, XXXX and XXXX. 

What happened was I failed to call and accept the modification. I just paid the whole Trial Period of 3 months, expecting the trial modification would become final, only because the letter " only stated they would cancel if I did not pay ''. 

I figured I could skip the first sentence that said call us to accept. Their letter did not say and was not clear they would cancel, if I didn't call and accept. 

So, XXXX XXXX servicing corporation considered that a fail and transferred my mortgage to SN Servicing Corporation who I sent payments to starting from when they invoiced me from XXXX and XXXX. 

I made a request for information as per 12CFR1024.36 last week and the mortgage holder SN Servicing Corporation has not provided a written response to that information request in violation of 12CFR1024.36 ( c ). 

Further, SN Servicing Corporation failed to provide me with adequate written notice as per the requirements of 12CFR1024.39 ( b ) and thus should be prevented from proceeding with foreclosure at this immediate time. 

The last payment they returned was mailed back to me XX/XX/XXXX. As per the 45 day rule of section 12CFR1024.39 ( b ), SN Servicing Corporation should be prevented from proceeding to foreclosure until the earliest date of XX/XX/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 explanation
Consumer complaint received 2020-01-21
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company was calling random people in my distant family asking for me, people I have no relationship with and never have. Said people then contacted my mother to ask her to pass along that a debt collector called their house and cell phones looking for me. They do not have permission to call ANYONE. It is a total violation of privacy. To top it off they were calling about a debt I resolved five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I lived in an apartment complex called XXXX XXXX. My job as a XXXX XXXX requires me to travel and be away from home. On XX/XX/XXXX I came home to my apartment that had been destroyed. My jewelry and purses were stolen along with my laptop and TVs. My patio door was open and my front door was also open. I immediately called the police to file a police report about the break in. The apartment managers didnt seem to care. They mocked me and stated shouldve had renters insurance. I stayed in the apartments a few more months and decided to leave before XX/XX/XXXX. The apartment managers said it was okay for me to move out since I didnt feel safe and told me I didnt owe them anything due to the circumstances. In XX/XX/2016 I noticed a bill almost totaling {$1800.00} ( collection account ) on my credit that the apartments said I owed. Its actually a judgement. In order to have a judgement arent you supposed to go to court? Arent you supposed to be properly served with papers? I never went to court and never owed a balance. When I contacted PRO COLLECT about my concerns everyone was extremely rude. Ms XXXX would not let me get a word in to ask questions. I asked her why is the balance appearing as a judgement and the only thing she could tell me was the Allegedly owed a balance when I do NOT. I have disputed this item on XX/XX/XXXX and they have failed to send me proper validation of this alleged debt! They only sent me the lease agreement which only verified that I did in fact live there but it does not VALIDATE this alleged debt! I they have been reporting false and inaccurate information to my credit for the past 3 and a half years. Everyone at this company is rude, and unpleasant. I have been disputing this debt for almost 4 years. I even tried to settle because it is hindering me and destroying my credit and I am tired of going back and forth with the people at this awful company. They told me I am not allowed to settle and that I must pay the balance in full. I refuse to pay a balance in full to a debt collector that can not even validate my debt properly BY LAW. They are knowingly reporting false information on my Credit and failing to properly Validate this alleged debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2018, I logged on to Wells Fargo to pay my credit card bill. Two things distressed me : 1 ) In the payment options, they have removed the amount that is on my last statement. They only have options for minimum payments due. In the screenshot, you see {$210.00} as the " total amount due '', but when I navigated back to a statement that wasn't visible on the payment screen, my amount due since my last balance was more than $ 4K. In my opinion, this is predatory. They are making it hard for me to pay my bill in full, hoping I'll make only the minimum payment due so they can make more money on interest charges. See attached. This is a recent change to a large lender and very troubling.

2 ) I wanted to see just how much Wells Fargo has changed me for late fees, so I searched " late fees '' on my account activity. It returned " no results '' even though I can see a charge in the screen shot. Again in my opinion, this large lender is hiding data about their fees thereby making it hard for me to know just how much they are costing me.

These are subtle but very concerning changes to online payment user experiences that will lead consumers to make poor decisions with regard to their credit. Wells Fargo is making fees and payment in full opaque, for their benefit.

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 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one took my security deposit to open my credit card and then closed my account and wont return my deposit. I never got to use the account at all. They closed the account before I even received the card. They told me they didnt know when I would receive a refund, or if I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
DISPUTE : Phone call to Equifax Credit Bureau XXXX XXXX XX/XX/22 Phone call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Inacurrate information reported to credit bureaus. My car payment is due on the XXXX of the month. My payments are not 30 days past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not this company any money. I dont have a contract with company. Please delete this account off my credit. Not mine delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ALLY FINANCIAL Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Car loan is paid in full but showing closed wrote off as bad debt

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 2023-03-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX. 
This company allegedly claims I owe a debt. I have no agreements with Resurgent. Resurgent claims I owe {$200.00}. Resurgent has been sending me text messages and calling since XXXX 2022. I sent a Cease and Desist letter which was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Exeter Finance Corp.
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 Exeter Finance LLC Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Velocity Portfolio Group
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX helped me get a lump sum payment. For the amount of {$300.00}. This payment would settle this debt. This a paid in full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There's an account ( Capital One ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''. 

As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.

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 2019-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Tuesday XX/XX/2019 - We received a voice message on our landline phone (with a woman's recorded voice) that there "were charges that we don't recognize on your Visa card" and were told to call XXXX.  My wife spoke to a man with a foreign accent named "XXXX XXXX and his ID# XXXX" He said there was a charge of $XXXX for XXXX shoes originating from XXXX  on our Amazon Chase Visa card and that our "Amazon profile had been compromised". He asked for my wife's full name (I then got on the phone) he also asked for my full name and our phone number. I heard many other voices in the background (they may be operating a fraud call center). I smelled something fishy with this guy and  signaled to my wife that this is a scam. When my wife would not give him any more information: he nastily demanded that she call him back within a certain time frame (20 minutes) at the following number: XXXX. That is when she hung up on him.  

We had contacted the real Amazon Chase Visa customer service number (on our card) to verify if this had occurred. They confirmed that there was no such activity.  Apparently he was phishing for personal information; and he got nothing more than our names and phone number. It was convincing act until he started to get angry...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Leased XXXX XXXX XXXX from XXXX XXXX  in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX  was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX  and GM Financial to get help and they do not return my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made an FHA loan through XXXX XXXX on XX/XX/XXXX. XXXX XXXX had sent me a notice dated XX/XX/XXXX indicating that the servicing of my mortgage loan is being transferred from XXXX XXXX to PHH Mortgage Services effective XX/XX/XXXX. 


I had made two mortgage payments to XXXX XXXX. I had made one payment of {$2700.00} on XX/XX/XXXX for the XXXX due date and a second payment of {$2700.00} on XX/XX/XXXX for the XXXX due date. However, XXXXXXXX XXXX  had only wired one of these payments to PHH on XX/XX/XXXX and received by PHH on XX/XX/XXXX. 


A rep from XXXXXXXX XXXX had indicated that they had only sent one payment over to PHH because XXXXXXXX XXXX 's records have an effective transfer date of XX/XX/XXXX with the " paid to date '' of XX/XX/XXXX. The representative had indicated that the first payment of {$2700.00} on XX/XX/XXXX for the XXXX XXXX date was applied to the principal prior to transferring the servicing to PHH. The XXXXXXXX XXXX rep had provided this explanation via phone and emailed the transaction history on XX/XX/XXXX. 


PHH mortgage services have billed me for both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I had sent a descriptive email of the issue to PHH, including the documents that were provided by XXXXXXXX XXXX 


I had made many phone calls to XXXX throughout XXXX and XXXX for a response and offer to support a resolution, but I did not receive a response until XX/XX/XXXX. PHH provided their transaction history which has a transaction date of XX/XX/XXXX with their initial principal amount received of {$320000.00} from XXXX XXXX. This principal amount is the original loan amount and does not have the first payment applied. XXXXXXXX XXXX 's records indicate that they transferred the service with a principal of {$320000.00}, which does have the first payment applied. 

Both banks have provided to me their own transaction history records. However, XXXX XXXX has an effective date of XX/XX/XXXX and PHH Mortgage services appears to have an effective date of XX/XX/XXXX. 

I have provided to PHH mortgage services the XXXX transaction records. I have also provided to XXXX XXXX the PHH mortgage services transaction records and response. I have not received a resolution from either bank, despite reaching out to both banks and providing all documents that were provided to me. 

Resolving this issue should be with representatives directly between the two banks.

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