BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've had this credit card since XX/XX/XXXX. And never missed a payment until I was financially distressed in XXXX/XXXX  when I my husband ( XXXX ) was in an accident leaving him in the hospital for 6+ months and not able to work anymore due to waiting for a XXXX XXXX. Once I had used my money in my savings while being off managing all the bills, I started to fall behind And I've had 7 missed payments in XXXX because of me being off work to help my husband. And once I've got back to work ( XX/XX/XXXX ) took off for medical leave, I have not missed a payment since. And have made double and triple payments to pay my balance down in XXXX. While being off from XX/XX/XXXX, to XX/XX/XXXX since my savings ran out I took durasticly measures and widthdrew most of my retirement to pay off medical and other bills for my husband ( mortgage, his credit card with same comsumer ) and I've even made a balloon payment well over the asking monthly minimum due payments ( which was {$5000.00} ), ( my highest balance was XXXX $ ) ( credit limit of XXXX ) made balloon payment in XX/XX/XXXX of 5,000.. which would have could covered previous late payments and even post payments ( my minimum amount due ) until I got back to work, which was in XX/XX/XXXX. And I have been a faithful customer once I was able to resume work, and my balance now is even at 3,000.00 which mean I make double/triple payments above and beyond minimum amount due. Having these late payments on my credit report lowers my score and has even temporary prevented me from housing situations ( I work all over the United States ) I  applied for an apartment for where I am working the next 2 years so I can provide for my family and was denied housing due to missed/late payments on my credit report from this credit card company making me drive 4 hours a day. I ask to remove late payments status so I am eligible for housing when they run a credit check. And that I have been a faithful customer ever since and only missed payments when my husband 's accident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: RentDebt Automated Collections, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted Rentdebt company through disputing the information through the credit bureaus. I have repeatedly asked for debt validation and none was provided. I do not have a contract with this company and I do not have a debt with this company. I would like for this to be removed off my credit as it is harming the purchase of my home. The company has no been helpful in solving this problem. No action has been taken by the company except to say that the debt meets FCRA rules when it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in XXXX  months to correct it. Finally they corrected it with Transunion, but Transunion still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY XXXX XXXX. Now the other XXXX agencies are following suit ( XXXX and XXXX ). I have worked XXXX for my score to be in the XXXX. THIS HAS TO BE CORRECTED.

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 2021-11-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. XXXX  is disputing my claims.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has made several errors in the past several years with combining my twin sisters credit information with my information and merging our accounts together after requesting the accounts be fixed. I have tried to refinance my home on 3 occasions. Each time I have been denied due to inadequate credit information. This happened in XXXX when I bought my home. Again XXXX when I attempted refinance, and now again XX/XX/XXXX when I was trying another attempt to refinance before interest rates increased. I could have refinance in XXXX with a lower interest rate if the information was correct in the system. I have been on the phone at least 5 times with Transunion and supervisors in there special unit department. The most recent dates and talking with 2 people each date is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am currently unable to even pull a report now because they have given me my sisters SS # and made her name my alias now. So now I am no longer able to pull a credit report, because they say I am unable to be located. I have received a credit in the mail twice with my name on it and now her name on it with using XXXX social security number, sometimes hers and sometimes my correct number. They have really made this very confusing for the creditors. Each time I call Transunion, they report the error has been fixed, however that is not true and the situation continues to escalate. I need the two names and SS # been recognized as two separate individuals and have the correct credit information under the correct person!!!!! My next step will be legal due to the prevention of my ability to refinance etc!

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 2019-02-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted my National Credit Adjusters who are a third party collection agency regarding a debit from a payday loan lender. I took out this loan several years ago and paid it off but the company XXXX  XXXX   said i owed more than what I paid. The loan was for XXXX but they were still trying to collect an additional XXXX after i paid them on time and all i owed to them. National credit adjusters agreed to settle and close this account for a agreed upon amount of XXXX. i had my attorney send them a check and they received and cashed it. I looked at my credit report today and they did not settle or close this account as agreed instead they adjusted the amount and have in me in collections now for XXXX. i have my letter from them agreeing on the settlement amount and they got the money. They are baiting and switching this amount after we agreed to close this account as settled and paid. They are now harassing me on my cell phone and at work for an additional XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve my issues with wakefeild and associates for over a year. They are claiming I owe a debt to XXXX XXXX XXXX. I have asked for validation. They provided me of a printout of a supposed bill. with no information about XXXX XXXX XXXX.i have tried contacting XXXX XXXX XXXX to no avail. They do not appear to be an actual business. the phone number listed is not in service and the address is for a XXXX XXXX in XXXX. I have tried numerous times to get information about XXXX XXXX XXXX  from wakefield and associates. They have refused to give me any information on how to contact XXXX XXXX XXXX to verify that this infact a valid 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 2021-10-05
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to Complaint ID XXXX ) filed on XX/XX/2021. 
Rocket Mortgage refunded to me the {$340.00} they erroneously paid on XX/XX/2021. 
Excellent! Thank you! 

BUT... 
Here we go again. 
I just received from Rocket Mortgage a " Lender Placed Flood Gap First Letter ''. 
Wouldn't you know it is an exact copy of a letter they first sent to me just five months earlier on XX/XX/2021. 

Last night I had just drafted another complaint to you about Rocket Mortgage who had ( in addition to the " force-placed flood gap '' scam ) purchased TWO homeowners insurance policies for me -- kind of forgetting that their extending a mortgage loan to me in the first place had required me to prove that I had already paid 12 months of homeowners insurance -- the cost of which was ALREADY factored into the escrow payment in my monthly payment. 

Just as I finished drafting the complaint, it turned out to have gotten resolved, though not before they had withdrawn {$380.00} from my bank account in excess of what I truly owed. They told me they are refunding that amount. 

For details, please see my submission under " Tell Your Story ''. ( It includes the complaint I had drafted ; I attach a copy here. But maybe you shouldn't send it to Rocket ; it would tip them off, if it really is a scam. ) I have also notified XXXX. XXXX XXXX that its rating of Rocket Mortgage as # 1 in mortgage servicing in the U.S. " eight years running '' is seriously stale if not suspect, given the experience I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been talk to Select Porfolio Servicing , Inc. several times to get help for my property but it continued foreclosure on my property. I did submitted another Assistance Program Application, it's currently under review. I talk to XXXX on XX/XX/2021, she said that the account will send to the attorney on XX/XX/2021 to foreclosure. I submitted complete Assistance Program Application on XX/XX/2021. I call SPS back on XX/XX/2021 talk to XXXX, she said the the foreclosure is on hold until XX/XX/2021. 
I call back today XX/XX/2021 to make sure that the foreclosure is still on hold, I talk to XXXX from Utah, he said that he's not sure the foreclosure is on hold and he transfer me to his manager. The manager name XXXX XXXX XXXX said that SPS do not have the exact time line after tomorrow and the foreclosure action is pending and SPS can foreclosure my property anytime they want. 
My property under protection of this Senate Bill No. 91. 
Senate Bill No. 91 CHAPTER XXXX An act to amend Sections 789.4, 1942.5, and 3273.1 of, to add Sections 1785.20.4, 1788.66, and 1942.9 to, and to add and repeal Section 1788.65 of, the Civil Code, to amend Sections 116.223, 1161.2, 1161.2.5, 1179.01, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend the heading of Chapter XXXX  ( commencing with Section 1179.01 ) of Title 3 of Part 3 of, to add Section 1179.04.5 to, and to add and repeal Chapter XXXX ( commencing with Section 871.10 ) of Title 10 of Part of, the Code of Civil Procedure, to amend Section 925.6 of the Government Code, and to add Chapter XXXX ( commencing with Section 50897 ) to Part 2 of Division 31 of the Health and Safety Code, relating to tenancy, and making an appropriation therefor, to take effect immediately, bill related to the budget. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] And the Assembly Bill No. 832. 

Assembly Bill No. 832 CHAPTER XXXX An act to amend Sections 789.4, 1788.65, 1788.66, 1942.5, and 3273.1 of the Civil Code, to amend Sections 116.223, 871.10, 871.11, 871.12, 1161.2.5, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend and repeal Section 1161.2 of, and to add and repeal Chapter XXXX ( commencing with Section 1179.08 ) of Title 3 of Part 3 of, the Code of Civil Procedure, and to amend Sections 50897, 50897.1, 50897.2, 50897.3, and 50897.4 of, and to add Sections 50897.2.1 and 50897.3.1 to, the Health and Safety Code, relating to tenancy, and declaring the urgency thereof, to take effect immediately. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] I need your help to stop the bank foreclosure on my property. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/2016. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXXon the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX hospital XXXX XX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both XXXX XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But XXXX XXXX and Experian both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However XXXX XXXX and Experian decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
the following accounts has been disputed twice with TransUnion, XXXX and XXXX : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA

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 2023-11-05
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I paid my mortgage on XX/XX/2023 in the amount of {$1200.00} which was due on XX/XX/2023. Fay Servicing, XXXX XXXX XXXX, XXXX XXXX, TX XXXX started calling me on XX/XX/2023 at XXXX XXXX  stating that I was late on my payment. I checked with the bank where I purchased my cashier 's check and they stated that my check was cashed on XX/XX/XXXXXXXX XXXX by fay servicing. I sent them a letter with copies of the cashed cashier check to prove that I paid the mortgage. They called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX @ XXXX. On XX/XX/XXXX I received a letter stating that I had not paid the mortgage that was due on XX/XX/XXXX. XXXX. They often send late statements which forces me to pay the late fee of {$13.00}. I have received multiple calls from them starting at the beginning of every month stating that I am late on my payment. When I try to return the call to the number they give me, there is always a recording and there is never a real live person to speak to regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: DC
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 have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

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 2018-03-12
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX 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 2018-02-07
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/17 I used a 0 interest for 6 months offer from Wells Fargo and deposited {$4000.00} in my account to purchase a car. I have been charged huge account fees and interest rate when the offer was for 0 interest. I complaint 3 times and I asked for a statement that shows how the interested was calculated. All 3 times I was denied of the statement and an account representative said that the offer expired in XX/XX/XXXX. 

The 0 % interest offer was for 6 months and not for two weeks. Please instruct Wells Fargo to comply with my request for a statement that shows how the fees and interest was calculated. 

Thank you!

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