BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their company.

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 2020-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian states on my report that XXXX XXXX is the vendor used to verify public records I have provided a letter from XXXX XXXX stating they notified Experian that no record is on there file on since XXXX I have been disputing this public record being inaccurate

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 2021-07-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bought my home in XXXX. In XXXX I was foreclosed on by XXXX. Consequently a deed was recorded in XXXX name. A loan modification started prior to the foreclosure was granted. My mortgage was reinstated via a loan modification. However the bank failed to return legal ownership to me and never recorded a deed in my name. It has been 10 years and my mortgage is in good standing. The bank is aware of this issue but choose to do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019 I was contact by National Credit Adjusters about a debt that was taking out with Rise which is a personal loan, this debt was Discharged thorough Bankruptcy in XX/XX/XXXX or XX/XX/2019 which is public record and also reported under the original trade-line. After informing the collection the rep still proceed the Mini Miranda /Monitor disclosure and proceeded to give me account information. Rep never asked for attorney information case number or even discharged information to ensure for me not to receive collections calls on a debt I no longer owe. After being informed of bankruptcy the rep should cease attempting to collect and retain all viable information to make sure to follow all State law and federal collection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: AL
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:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs 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 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX 
Capital One however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from Capital One that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from XXXX XXXX XXXX XXXX informing me that Capital One has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of Capital One as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Veros Credit, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT. 

As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday. 

As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: South East Collection Specialist
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called my mother and told them they were looking for me concerning a debt. I called the company back and left my number. The next day the company calls and tells me they are a law firm bringing litigation against me for a debt I supposedly owe. I asked the representative to mail me a copy of the original debt that I supposedly owed to verify its authenticity, at this point the representative became very irrational and confrontational. I stated to never call me again. This phone call has been proceeded by several calls over the past few days.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been restricted since XX/XX/2021 and it is now almost XXXX. I have only received correspondence from Capital One after filing my first CFPB complaint, which is why I am filing my 2nd complaint. 
I received a letter at the end of XXXX saying that they are closing my account and that they will send me a check in the mail for the funds remaining in my accounts in 7-10 business days, which is the action I wanted to be taken. However, it has been a month since and I still have not received a check in the mail. Many times I have called the number that was included in the letter that would directly connect me to the investigator, XXXX, that has been working on my case, but each time a robot says they are unavailable. I just want my money please. This is getting absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with Diatech (? ) keeps calling me about a debt which I believe is owed by the previous owner of my phone number, XXXX XXXX. The most recent call I received was at approximately XXXX XXXX, today, XXXX XXXX, 2017.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Finance of America Mortgage emptied our Escrow account ( ~ {$1200.00} ) but did not use the money for property taxes. Although they admit the removal of the funds was their own mistake, they refuse to return the money. Have spent more than 10 hours on the phone trying to resolve this for 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI is collecting from the original creditor, XXXX XXXX XXXX. AFNI is currently reporting on my credit report that the debt was opened in XX/XX/XXXX. I have disputed this with the credit bureaus multiple times. AFNI did not respond to my letter to validate said debt. 

The last time I had XXXX XXXX XXXX was in XX/XX/XXXX. I have no knowledge of this debt but if I did, the statute of limitations for Florida ( where I resided at the time I had an XXXX XXXX XXXX account ) is 5 years per F.S. 95.11. That being said, if I owed the debt in question, this debt would have been barred in XX/XX/XXXX. AFNI has previously received numerous complaints that the company re-aged debts as soon as they reached the statute of limitations. A reasonable person would concur that AFNI has re-aged a debt in this case, as again, if I owed the debt in question, it would be barred from collection practices as of XX/XX/XXXX. AFNI provided no debt validation for me to review. I have no knowledge of this debt. Please assist. 

Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}.

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 2018-02-17
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX TD Auto Finance put a negative 30-day late payment on my account. I have been paying the same, fixed amount every month for over 6 years. After reviewing my payment history provided by TD Auto Finance it clearly shows that NO payment was ever 30 days late. My final payment was due on XXXX and it was paid on XX/XX/XXXX. I contacted a supervisor and was told that typically clients are supposed to get a statement for the last month of the loan but since I had auto bill pay set up those statements didn't generate. The supervisor also said that it was unusual I didn't get contacted because after looking at my account there was never an email, statement or phone call sent to update me on the balance ( they had my correct contact info on file ). This is clearly a TD Finance error and TD Auto Finance recognized it on their end because they removed the late fee. However, they are still reporting a negative 30-day late mark on my credit causing My score to drop over XXXX points because of their inability to properly & transparently bill their clients. Now I can't get a mortgage due to this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs 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 2017-10-16
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: AL
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:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive been contacting Experian over the last several months regarding accounts on my credit report. They are still reporting 3 accounts due to fraud as well as an incorrect account from XXXX. Recently I sent them documents and told them to delete the accounts but theyve failed to comply. I have proof that XXXX  and XXXX  has already deleted the above accounts. Additionally, XXXX has found the XXXX  accounts to be incorrect and have updated them to never late. Furthermore, they have never sent me any proof that the accounts belong to me. As for the XXXX account, I sent them proof that all 3 credit bureaus have different information which is a violation of the law. The account is riddled with incorrect information such as lates and wrong balances.

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