BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I made a prior complaint because selene mortgage was requiring documentation for my covid forebearance agreement. They agreed that this was improper and sent me a letter stating I qualified for 6 more months of covid forebearance on XX/XX/2022. I replied with an email and a phone call requesting this 6 months. On XX/XX/XXXX they mailed me a letter requesting documentation not required by covid forbearance. I called and the guy on the phone says my forebearance was denied and I must give documentation. I told him that if my covid forebearance is declined then I want to make arrangements to continue payments as per the cares act covid program that does not require documentation since covid affected income. He refused to comply with the covid program. Im requesting help with this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions Inc.
State: NC
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 have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail

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 2019-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been trying to get a short sale done since XX/XX/2018. Ive gotten three contracts/offers on the property, and the mortgage company has been negligent in processing the sale each time. They continue to ignore me and my realtor, and have passed us around to more than a dozen different people, making it impossible to complete the transactions. Ive lost two potential buyers due to their incompetence. And each offer has gotten lower and lower. I was laid off from my job on XX/XX/18, and really would like to get the short sale done. CIT bank is the worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Ditech Financial LLC
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 is missing that should be on the report

Complaint:
My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment from XXXX XXXX XXXX  in XXXX GA. The original name of the compass XXXX XXXX XXXX XXXX. About 3-4 months after I moved in my spouse asked me if I wanted to move in with them. So I went to the leasing office and asked if I could turn the lease over to someone else. I was advised that I could. What I was not told was it would be a sublease. I was told I would be free and clear from the lease. Hence why I moved out. It would also make since as to why I was never notified that the person that took the lease over never paid rent while he lived in place of me. I signed paperwork under the impression I would be singing the lease over. What they actually had me sign was a new SECOND lease stating that the new tenant actually moved in with me the same time I did. So I am on a lease by myself and on a lease with the man that was supposed to take over. He was not a roommate and I never lived their. It was a one bedroom apartment. They also created a lease that was signed that had completely made up information on it. When I moved in I moved in alone and I paid the security deposit on my own. Im a XXXX veteran. I also have a XXXX XXXX. I have 48 address on my credit report because I have not been able to get an apartment on my own and I have had to rent out rooms from strangers and friends. Ive lost jobs because of this and it has ruined my life. National credit systems has not been helping either. I asked to be put on a payment plan if it could come down off my credit and they denied me. Im not working right now and Im homeless again. I dont have XXXX to give anyone. Can you please help me. Im trying so hard to get my credit back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A foreclosure notice, was mailed to me at XXXX XXXX XXXX, XXXX, Michigan ( MI ) XXXX, for XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

My name, is on the deed, of XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

Could you, please tell me, how much needs to be paid, for missed mortgage payments, so that this aforementioned property, could be saved from foreclosure? 

Could you, please mail me a mortgage bill each month? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I reached out to XXXX  and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted a complaint already on this issue. I understand the company has time to respond, however we have called and left messages and no response back. This is costing my husband and I hundreds of dollars a month due to their error. I have spoken to town hall and received documents supporting the payments were always made quarterly and never in one lump sum. I advised fifth third of this and they continue to state that they were told by the old mortgage company that they were to be paid in one lump sum. However, I also have the proof and documents to so that they old company paid quarterly. Our mortgage has gone up and we want it back to the original amount. We can't not pay what they are claiming in the meantime because they would foreclose for not paying the amount. This was completely their mistake, and we should not be responsible for it. They can request a refund from the town and then pay quarterly like that should have been the whole time. Our broker has even explained this to them on a three-way call, stating he has the proof in the closing documents stating how the escrow was set up. This needs to be handled and fixed ASAP as we again are paying hundreds more a month that we should and that is really adding up over the months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: UT
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:
On or around XX/XX/XXXX my credit card accounts were closed by Citi Bank. When I called Citi Bank asking them what the reasons are for closing my 2 credit card accounts they didnt have any reasons listed as to why the credit card was closed. I received a letter in the mail with a statement that my credit cards were closed and I was told by a Citi representative they had no reasons listed as to why the account is closed. The credit card company wants me to pay a bill payment on XX/XX/XXXX for {$290.00} on my XXXX XXXX Citi XXXX that has a balance of {$6600.00}. As for the other Citi XXXX Credit Card theyve sent me a bill to be paid on the XX/XX/XXXX for {$340.00} with a balance of {$5600.00}. I asked if I could take out my rewards they said, You have {$0.00} in rewards the account was closed they said I forfeited my cash back benefits of $ XXXX When they closed my account. Ive made several phone calls to Citi Bank and they say they cant do anything to help open my account back up.

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 2023-02-10
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 due to a natural disaster of XXXX XXXX we were in state of XXXX in XXXX XXXX I lost my jobs. There were no jobs in the area due to the destruction. I managed to pay my rent without having nothing to eat. I spoke to the XXXX and with her approval I left only XXXX month before the termination of my lease. 

It seems this company called IQ Data International purchase a debt from XXXX XXXX XXXX and put lots of money on top and sent it to Collections. It is my only Collection. I am very responsible and always pay my bills. 

I explained to them that this was in a state of emergency and a natural disaster and this has been in my credit for more than 4 years now. They refused to delete it and are asking me for XXXX that I don't owe. My lease was paid and they kept my deposit. That is equivalent to only XXXX  month. 

This is unfair and when I called them they treated me very rude and disrespectful, in an abusive way asking me in a loud and angry words, talking over me that I have to pay what I don't owe including all the money they put on top of it as so called " Interest '' I want this item to be deleted from my credit reports. It is not correct. It is not accurate and the only purpose of IQ Data International is to make money with people that lost their jobs due to a natural disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I paid off my credit card with Capital One, and they froze my account. The company called me a while later and started asking me questions that were irrelevant to my account and seemed fraudulent so I told them that I was not comfortable as I have read about so many scams recently and I wrote them a letter confirming that it was me that paid off my card. That was in XX/XX/2022. After not receiving any response I wrote to them again in XXXX confirming that I had indeed paid off my card, again with no response. Then in XX/XX/2022 they wrote to me saying that they had closed my card. I called them and spoke to a manager, he said that I had not provided paperwork needed. I paid off multiple cards at the same time and no other card asked for any paperwork, and in our communication Capital One never requested any paperwork. I asked him what kind of documentation and he said that he had no idea, he said that as my account was closed he could not see the notes. But when I asked him what paperwork people are usually asked to provide when paying off their credit card he was unable to tell me as he hadn't experienced it before. I asked him what could be done about it and he said absolutely nothing. My credit score dropped almost 75 points after they closed my card, I worked very hard for my excellent credit and this has now put me in the bad credit bracket affecting my interest rates and my ability to borrow money.

Company response to consumer: Closed with explanation