BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
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: Account status incorrect

Complaint:
Experian is reporting multiple late payment in XXXX and a recently derogatory mark on XX/XX/XXXX. I have spoken to a rep from XXXX XXXX XXXX and was told they didnt report these late payments and that these late payments were reported by Experian and not them.

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 2020-05-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I was told by your representative that I could make late payments and it wouldn't affect me negatively because of the forbearance. That was incorrect and I listened to her advice. There was a miscommunication. At any rate, I paid all the past due funds back. The account is current. I even got off the new covid forbearance to make amends and clean everything up. As a courtesy, can you remove the late payment due to the representative 's miscommunication and never having a late payment with you all prior to that miseducation?

In addition, I think I saw on my credit report two late payments. Please confirm that was never the case and remove that as well.

2 ) Also if there was a late payment for XXXX. I will be really upset. Again the rep on the phone told me what I needed to pay to make the account current by XX/XX/XXXX although I was still on forbearance and could had prolonged it, I didn't and I did make the payment she told me.. Based on your websit after the payment, it said it wasn't enough so I made the additional payment after the due date and after you all processed the payment and updated your website. At the previous time your website said that was all that needed to be paid like your rep said. 

So I would like to request both late payments removed please since there was miscommunication by your reps on both times and at any rate I caught up on the payments to clear the air. 

And lastly, My loan specialist throughout all this, XXXX XXXX, repeatedly did not return my phone calls or answer them for assistance and clarification about the payments. It has been a poor customer service experience for a long time now. 


3 ) Additional proof, I received a statement for escrow dated XX/XX/XXXX20 telling me I need to make a payment of an escrow shortage by XXXX/XXXX20 or my monthly payment is going up. Excuse me? I never even had a chance to pay this statements escrow shortage and incorrect date processing. This is another example of poor miscommunication from Mr. Cooper that affects my understanding of payments and my ability to pay before due dates. 

I want to pay the shortage amount to leave the bill at {$970.00}, not the new {$980.00}. And I want the late payments removed. 

4 ) In addition, I was on forbearance but got kicked off after following your employee 's instructions. I was told late I would be sent an appeal letter to dispute being kicked off, but it never came ... until now. I received the letter on XX/XX/XXXX for review and it is even postmarked XX/XX/XXXX by USPS. But the letter is dated XX/XX/XXXX and it said I had 14 days from the letter 's date. Which means I never had a chance to appeal. And this letter was likely postdated and sent late. but not corrected as such. Another example of poor communication. I would like my late payments removed from my credit report please to put all this behind us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Current balance of loan reporting over {$4000.00} when balance should be {$2800.00}. Set up settlement for payment of {$1700.00} to be paid however the first representative stated balance was XXXX and they would accept XXXX. Called to verify a few weeks later before payment and the representative stated balance was now over {$4000.00}. Would like balance to reflect {$2800.00} as stated by previous representative before payment made and account removed from reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. 

I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have two inquires on my credit report I didn't authorize was a victim of fraud in the month of XXXX my purse and cell phone was stolen their was inquires from XXXX XXXX  and XXXX XXXX I never applied for on trans union and XXXX and 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 2018-03-26
Company: Midwest Recovery Systems
State: FL
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:
There is a collections item listed on my XXXX Credit report from XXXX XXXX XXXX, XXXX that was listedXX/XX/XXXXXX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both XXXX and Midwest Recovery Systems asking for Validation of the debt. The confirmation number for the dispute for XXXX  is XXXX. I received a letter in the mail from XXXX dated XX/XX/XXXX stating the debt was verified as belonging to me. I called Midwest Recovery Systems at XXXX. The representative from Midwest Recovery Systems stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX '' for a request of validation and has not yet received a response. I called XXXX Customer Service and spoke with a supervisor named Summer who refused to give me her initial of her last name who stated that Midwest Recovery Systems responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised Summer that I called Midwest and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that XXXX is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called Midwest Recovery several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX was purchased for a new home purchase on XXXX/XXXX/XXXX form XXXX XXXX XXXX.On XXXX/XXXX/XXXX an inspection was conducted and I received notice on XXXX/XXXX/XXXX that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in XXXX and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, if the work was n't completed by that time of renewal. This information was incorrect, I received notice that the work needed to be completed by XXXX/XXXX/XXXX. I then recieved a cancellation notice on XXXX/XXXX/XXXX stating that the policy was being cancelled on XXXX/XXXX/XXXX. Upon binding the policy with XXXX XXXX XXXX on XXXX/XXXX/XXXX, a home inspection report was sent to them for review and the information regarding both water heater and shut off valve was clearly indicated on it and they chose to bind the policy. As a result the coverage lapsed and I was not able to obtain coverage immediately, due to high cost of premiums from other carriers and lack of sufficient finances. On XXXX/XXXX/XXXX I was able to obtain a new policy, however, Pacific Union Financial which is the morgage lender sent a notice on XXXX/XXXX/XXXX that they woud be assessing a {$2700.00} forced insurance policy for the time period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called Pacific Union Financial on XXXX/XXXX/XXXX to obtain clarification and was told that unless I provide proof of insurance this amount woud be added to my mortgage. I explained to them that I was in disagreement with this because this lapse occured in the past and the home was currently insured. I asked for them to justify placing insurance on the home to cover the past and the nature of the risk being assumed for this period of time, which had already past. I was told that it was thier policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: CA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I have XXXX, XXXX, and Equifax violating me under the FCRA. 
The first violation is under 15 USC 1681b Permissible purposes of consumer reports. Here you can see that under that statute any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM ANY WRITTEN INSTRUCTION TO REPORT ANYTHING ON MY CONSUMER REPORT.

The second is 15 USC 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. EVERY ACCOUNT ON MY REPORT IS AN EXTENSION OF CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CORELOGIC INC
State: IN
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:
I contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Multiple inquiries on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband passed away XXXX XXXX, 2011 after a two year battle with XXXX. There is a loan modification of the mortgage on my home which I never participated or consented. 
As you know, Wells Fargo bank conducted so much fraud and I am afraid that this loan is another fraud. They do not give me any information regarding this loan. 
I contacted Wells Fargo bank and faxed documents demonstrating that the property is in my name and anything affecting my property requires my consent. I did not receive any response and Wells Fargo failed to return my phone calls.

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 2021-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my low balance XX/XX/2021 under {$200.00} and had remaining credit available on my account, when I tried to use the credit available they closed my account without any notification is account was paid on time.

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 2021-09-07
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was opened in XXXX with a maturity date of XXXX. Over the years I have refinance and also did a modification in XXXX but in all instance my maturity date remained XX/XX/XXXX. In XXXX I requested a 2nd modification, it was approved. I was excited to get the modification because I needed the assistance so I signed it, I did not realize it was a balloon payment with a new maturity date of XX/XX/XXXX. 
I found out about the balloon payment over the summer of XXXX. I was told I could complete a mortgage assistance request which I did but it was denied..reason my mortgage was current and affordable. I was then told I can refinance, I tried refinancing with the same lender PHH I was told everything looked good and the next step would be my closing, after not hearing anything I reach out and was told I was denied because in XXXX I became ill and my mortgage payment fell 2 months behind. 
I reached out to XXXX XXXX XXXX for assistance, we contacted the lender together and after 2 hours on the phone with the escalation department ( spoke to : XXXX # XXXX ) and the modification department ( spoke to XXXX ) I was told my only option was to do another mortgage assistance request or find another lender to refinance. 
While we were on the phone an attempt was made by XXXX to set an appointment with my relationship manager. XXXX stated there was a flag on my account indicating no appointment can be set up with my relationship manager and also that she was not authorize to reach out to a supervisor. 
I completed another mortgage assistance phone intake today XX/XX/XXXX, I was told in 5 days I will get something in the mail me letting me know my options. 
My balloon payment is due in less than 30 days amount of {$380000.00}, this is impossible for me to pay and PHH shuts me down with every request I made to resolve the situation. My only request to PHH is to put my maturity date back to XXXX. 

I have included the XXXX modification agreement showing the change in maturity date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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:
im seeing several credit card accounts that im unaware of on my credit report under my fathers name & not my name. & also the address was wrong. i currently trying to dispute these inquiries because it was not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Information belongs to someone else

Complaint:
On XX/XX/17and XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
RE : CAPITAL ONE NA Claim # XXXX On XX/XX/2017, at or about XXXX XXXX, I used an ATM machine located on the lobby of CAPITAL ONE NA Bank at XXXX XXXX XXXX, XXXX, NY XXXX, tel. ( XXXX ) XXXX.The ATM ID # XXXX failed to dispense {$100.00} cash requested. The metal rolling door opened and remained opened for 3-4 seconds, but not cash was dispensed.The bank declined my claim, deducted {$100.00} from my checking account and refused to provide video footage of the transaction proving that the ATM did not dispense the cash. 

After the failed transaction, I spent 40-50 minutes in front of the ATM machine talking with customer service and file a complaint. The ATM was not used during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2021-09-07
Company: Bepensa Capital, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX settled a debt with Creditoreal & Creditoreal is submitting derogatory remarks to the three credit bureaus for an account that has been paid - repeated emails and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Patenaude & Felix A Professional Corporation
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is National Collegiate Loan Trust. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/XXXX. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! The address that a court summons was sent to was an address I lived at XXXX prior to XXXX. I left that address in XXXX. I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.

Company response to consumer: Closed with explanation