BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.

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 2015-11-20
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I been having hard times with Capital One to dispute fraudulent inquiries that they are reporting to my credit bureaus. I have the following accounts with Capital One and those account are not related with the fraudulent inquiries that I am disputing and requesting removal here. 
VALID ACCOUNT THAT I HAVE WITH CAPITAL ONE : XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX Card ending in XXXX opened XX/XX/XXXX XXXX XXXXXXXX  ending in XXXX opened XX/XX/XXXX XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX XXXX  ending in XXXX opened XX/XX/XXXX XXXXXXXX XXXX ending in XXXX opened XX/XX/XXXX The inquiries that I am disputing are : CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE AUTO FINANCE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX GDM - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE - XXXX XXXX, XXXX Capital One has a Pre-qualification system very effective for credit applications to avoid credit inquiries, all the accounts that I have with Capital One have been opened using the Pre-qualification system. These fraudulent inquiries have been affecting my credit score, please remove them as soon as possible. 
I would like to mention that XXXX XXXX is a great financial institution and I have business with them for over 2 years without experiencing issues, this is the only issue I been experiencing and I am pretty sure that the credit bureaus are not following the appropriately step on the dispute that I have filed with them, so, at this point I decided to file this compliant to resolve this situation directly with Capital One since I been calling Capital One and I havent been able to get an agent on the phone willing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
portfolio recovery bx XXXX XXXX, va. XXXX refuses to send statements and payment verification. I have ask for payment documents. they say thy do not send any forms to send in money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$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 explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 requested that TransUinon and XXXX preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. TransUinon is reporting for XXXX XXXX/XXXX, XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.

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 2017-05-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.

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 2016-07-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...

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 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNT ( XXXX XXXX  ) WHICH WAS ASSOCIATED TO AN ERRONEOUS, BUT NOW ( DELETED ) XXXX XXXX BANKRUPTCY. THIS ACCOUNT HAS AND CONTINUES TO AFFECT MY CREDIT WORTHINESS. I HAVE A XXXX FICO SCORE, BUT AM BEING DENIED LINES OF CREDIT DUE TO THIS ERROR! I WANT THIS ACCOUNT DELETED NOW!

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 2022-10-02
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2015 our mortgage company Seterus Inc. has not credited our payments correctly and because of this they have charged us late fees because the payments are going into supense. I have called and spoke with the customer service people who say they are fixing it and still it is not fixed. I then have called and spoken to the supervisor of the call center XXXX XXXX who assured me she would have it fixed and still not corrected and also XXXX XXXX. I have spent over 15 hours on the phone with these people and all of who say that it will be corrected and that I can make my payment and it still is not fixed. I was told that it was because i was making my payments too early for the monthly payment, so then I started waiting to make the payments one the XXXX and still not fixed. They have my money in suspense and have not corrected my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Stellar Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection not coming from a credit card company but a collection agency which has sent collection letters for a debt that is not mine and has now taken it to court. 

It does not match with any credit card I have ever had now or in the past!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CarMax, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi there my name is XXXX XXXX. 
On the dates from XXXX I was fraudulently sent money over XXXX through Wells Fargo to an unknown person. They have blocked me from several numbers and Wells Fargo hasnt denied claim I submitted. Total Amount is {$3500.00}. The number I XXXX was XXXX. I hope you guys can help me get back my hard earned money as I have a XXXX year old daughter and rent I am solely responsible for. I appreciate your time 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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I was the victim of a scam which started by me replying to an email which was fraudulent. 

I ended up sending a wire transfer of {$97000.00} from my branch bank at Wells Fargo to XXXX in New York. The actual recipient of the transfer was in XXXX. He was an XXXX Account XXXX XXXX XXXX XXXX XXXX 

My complaint is how Wells Fargo has handled this whole thing. Within 30 to 45 minutes after I was at my bank authorizing the wire transfer, I realized I had been scammed. I called Wells Fargo Bank Fraud Department and reported what had happened and told them not to send the money -- that it was a scam. At that point in time, they couldn't tell me if the money had been sent. Part of the scam was that the scammer had access to viewing my screen and getting into my bank accounts. He transferred money from one of my accounts to another in order to cover the wire transfer. I did not know he was seeing my online banking and I did not give him authorization to transfer money from one account to another. 

Since then I have contacted W F B XXXX Department several times, have gone into the bank. I have not been given any correct information about when the wire transfer was actually sent ( date and time. ) I'm not sure what you can do, but friends recommended I make a complaint with you. 

Thank you. 
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 2017-01-26
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.

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 2022-05-04
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX on XXXX I Received a phone call from " XXXX XXXX. He refused to give me an ID number or last name. He repeatedly cut me off, called me stupid, and talked over me. I requested a validation of debt several times and was told, no, the company would not be sending me any validation. I requested the document be sent through certified mail, which he refused to do. I also requested the documents be sent through regular mail, which he also refused to do. He used very aggressive scare tactics, telling me that I would be evicted and homeless later on in life unless I paid the collection in FULL. I believe this is in violation of FCRA.

Company response to consumer: Closed with non-monetary relief