BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.

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 2017-10-31
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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 status incorrect

Complaint:
Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 
XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party XXXX XXXX XXXX provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX was servicing. 

This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX  has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

Submitted with this complaint are copies of my current credit report from all three credit reporting bureaus. XXXX does not show the late payment -- XXXX and Equifax both show the incorrect information about XXXX. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off, in its entirety, in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I submitted all my documents for the Income driven payment plan and got a letter saying that my information that I was approved for XXXX dollars a month for my loan. This letter was sent on the XX/XX/XXXX. I called on XX/XX/2019 to make sure everything was good to go and to start my automatic payment. The representative tells me that i have two different payments due on XX/XX/2019. I told her that it is impossible and that am looking at my inbox and I never got a letter stating that I had two payments. I asked the young lady why do i have two payments and why was the second letter not sent to me. The young lady said she submitted a request for review. So I asked her, so I will be paying the XXXX and that they need to figure on their end why I have two payments and not 1 payment monthly. She suggested forbearance on the second payment. I told her that, this was not an option. Please help me. I have the letters and everything sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Moneylion to close the accounts opened with them in XX/XX/2019. I still received emails even after closing my account talking about my open accounts, to which I sent a note to customer service on XX/XX/19re-iterating to close my account. I was told that the emails were different from the accounts, and to unsubscribe to those as well, which I did on XX/XX/19. 

On XX/XX/2019, I received another email from Moneylion stating changes to account fees, even though my accounts are closed and I'm unsubscribed. I emailed support again, and received no response. I follow-up on XX/XX/2019, and received an automated email stating my support ticket was closed. 

I am extremely concerned that MoneyLion is not closing accounts, and not adhering to the CAN-SPAM act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: AZ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, Equifax, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. XXXX XXXX/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and XXXX XXXX/XXXX multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however Equifax continues to report this fraudulent account and XXXX XXXX/XXXX continues to harass me with ongoing collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: AXOS FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX the company I worked for coached and marketed me through company email for salary finance company Through hard times and pandemic it sounded great. 
I later lost my job and my payment for salary finance was taken out of my paycheck every 2 weeks could not be withdrawn.

I reached out to the company on many occasions with no help.

Since then they have attached 10 late payments on my credit report I have payed the total amount owed even though they would not help me in any situation. 
They promised they would remove the last if I paid the balance in full. I payed and they have not adjusted my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 These are only a few of the phone numbers for past year. Their company name : PORTFOLIO RECOVERY SERVICES. They have called me since XX/XX/XXXX. ( I did have an outstanding credit card which I paid off to them in XX/XX/XXXX, because I was homeless  and had 1 credit card that fed me. Now they have a different account. They continue to call from many numbers, at least 4x 's  per day. ( They always wake up my Grand Daughter ) They sent bank XXXX from the 2000 's that were not mine. ( 20 years ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased some items from XXXX back in XXXX. I used Affirm to split into 4 payments. They took roughly one and two months to arrive for the two items. Both items I received were nowhere near as described. 

I contacted the vendor and got a refund on the first item. Once I received the second item again as not as described, I contacted the company. They notified me they would only refund it if I paid to ship it back to them. I let them know that I would not be paying shipping, as it was not what I ordered. I would be happy to send it back if they provided a label. 

The company refused, so I file a chargeback with my credit card company. My credit card sided with me given the evidence and approved the chargeback. When the money came out of Affirm, Affirm let me know I was now past due. 

I was unaware of the fact I would have to file with both Affirm and XXXX. I tried to file the dispute with Affirm and they are refusing to entertain it, despite it not yet being 60 days since receipt of the incorrect item. 

Affirm believes I am on the hook for {$100.00} for an item that is not what I purchased. My credit card company agrees with me that it is not what was purchased, and gave me my funds back. All I am looking for is for Affirm to close out the account as a valid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX. INQUIRY DATE : XXXX XXXX am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: MO
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:
Attemptes to get old.information removed from .y credit report that 8s over 2 years old.

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 2019-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian, XXXX and XXXX  received electronically verification from XXXX XXXX XXXX   Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XX/XX/2019 
But Experian, XXXX and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX  and a XXXX XXXX XXXX Military Veteran.

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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Transunion and XXXX received electronically verification from XXXXl XXXX Credit Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, Transunion and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran.

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 2019-08-07
Company: Experian Information Solutions 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.

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 2022-03-09
Company: Home Point Financial Corporation
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: Account status incorrect

Complaint:
as far as there reply, document 1, loan was sold and had XXXX XXXX  as payee, partial payments were sent to them with no problem, I started to pay them in XX/XX/XXXX. Home point is not any where listed on that document, and Home point financial is not on of that document ( doc 2 ) closing documents has XXXX XXXX on it not home point finical, doc 3 after their under lined sentence, it states lender may accept any payment or partial payment insuffient to bring the loan current, without waiver without any rights hereunder or predjustice to its right to refuse payments or such partial payments in the future, lender may hold unapplied funds until borrow makes payments to bring the loan current, so you can see all paper work is with XXXX XXXX on it not home point financial, you can see on the attached bank statement starting in XXXX when we refinanced, bi monthly payments were done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX payments to XXXX XXXX, again no where does it say home point financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-07
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation