BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: SYNCHRONY FINANCIAL
State: PA
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/2020 I received an inquiry from XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest 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 2022-10-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
1. Wellsfargo refuses to provide the {$5000.00} to my Equity account that was from the Frank Dodd program, the month after the 6th Anniversary. 

Wellsfargo sent me the letter & when it's time for me to get the funds credited to my account, the response was, they did not offer what I just shared. 

My proof shows their employee XXXX sent me the information, & I returned the Frank Dodd document with my signature per XXXX who is an employee at that time & I believe she still works for Wellsfargo.

2. I'd also would like to know what the various codes pertaining to my Equity account.

I'd like to know what the following codes are & how it's affecting my account.

Codes used : 46 R, 46 P, 46 2, 30P, 36P, 36R, 3. I still feel that Wellsfargo has not truthfully serviced my Equity account in the manner it should be carried out.

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 2016-06-21
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I totaled one car through Honda Financial and purchased a new car through Honda. I made my first payment for my new car. They mistakenly applied it to the totaled car. They sent me a check for over payment. I called, they stopped payment on the check and told me they would apply a credit to my new car account. It has bee 60 days and they have me a 42 day reporting late status to the credit agencies. They have acknowledged their errors but can not correct the reporting immediately. Thus, I was turned down for a refinance of a home loan because my score was affected by the drop due to their mistake. I have to refi my home immediately. I will have to file bankruptcy very soon because of medical expenses that were not billed correctly to my insurance carrier. This is causing me a hardship and a loss. They are not offering a reasonable solution to their mistake of reporting false information. The inaccuracy is causing me a hardship and the reporting is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy in 2007 and specifically added the loan for XXXX i even had to meet with the judge to get this discharges and the judges discharged it and yet the collection agency refuses to acknowledge it the keep harassing me and taking my funds out of my bank accounts as well as my tax returns.I have sent them copies of the bankruptcy but they refuse to acknowledge it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: AMERIS BANCORP
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: Account status incorrect

Complaint:
My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus. 

Ameris Bank attempted to correct the issue with my XXXX  credit report which now shows my auto loan, but now Ameris Bank has created another problem by updating my XXXX credit report to show my auto loan as closed, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To Whom It May Concern, We really need some help. We had a high interest loan through Honda Finacical since 2010 on a 2010 XXXX XXXX We recently traded in the vehicle to XXXX as they agreed to payoff the rest of the loan. We notified Honda of this the very next day after signing the contract with XXXX. The XXXX dealer needed the exact payoff amount and tried to call Honda Financial multiple times. They refused to give the info. to XXXX. I then called Honda Financial back who told me that if XXXX did n't make the payment right away they were going to mark us 30 days late on our credit. I told them we did n't have nor own the car anymore. I had a contract, paperwork, I could send to them. They did n't care. I asked them numerous times to contact XXXX to verify what I was telling them. They took XXXX 's info. but according to XXXX, did n't contact them. XXXX said they had consistent problems when dealing with Honda Financial and this was n't anything new. I ca n't tell you how many times we tried to contact Honda Financial. At XXXX point we spoke to a customer service rep named " XXXX '' who refused to give her last name. We then spoke to a supervisor named XXXX who did n't seem to care but told me I could fax her paperwork to prove that the dealer purchased the Honda. I faxed the paperwork but never heard a thing. Honda was determined to mark our credit 30 days late ( a mark WE NEVER HAD in 5 years of financing the vehicle! ) I think possibly they wanted to continue to charge interest? Finally after many days of going back and forth XXXX was able to payoff the entire loan. But not until more interest accrued and our credit was marked 30 days late! Why do n't these financial institutions care about people? My wife leased an XXXX last year ( through Honda Financial ) and is now hating it because of the way that Honda treated us. We are trying to purchase a home for our family and then negative mark on our credit is actually hurting that dream! XXXX wanted the payoff amount and Honda made it so difficult to obtain the info. We have documentation to prove that we signed the contract with XXXX to purchase the Honda BEFORE being 30 days late on a payment. Honda accrued more interest from making it hard to payoff this car but what did they gain from marking our credit report? Why did n't they want to help has after ( and continuing to be ) loyal customers for so many years?? Again, I would like to make it clear that XXXX was attempting to pay Honda on time so our credit would n't be marked with a late payment. Honda made this impossible and was not cooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 sent several complaints about late payments reporting inaccurately, to XXXX, EXPERIAN, AND XXXX I was never late. 
1.XXXX XXXX , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. ( please see exhibit 1 ) 2.XXXX XXXX  ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right

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 2016-09-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NY
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:
RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
using and relying on false documents. 

The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.

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 2016-04-08
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.

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 2021-01-04
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ad Astra collection agency did not sent me a collection letter for a chance to dispute this. This isn't being fair to me for them to just go ahead & place this on my credit file without giving me a right to dispute it. They will just come back and say they don't have to send me a collection letter. Yes they do I know my rights that they have to first notify me & they didn't! Or they will pull this trick saying they can't find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : 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 2015-04-15
Company: Focus Holding Company
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of this.

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 2015-04-14
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-10
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation