BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: Big Picture Loans, LLC
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX 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 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 2016-08-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has given me the runaround concerning insurance loss drafts for four months now. I sent them a $ XXXX check from my insurance company for water damage repairs. I have two contractors. One to remove mold and one to replace duct work. The mold contractor finished their job two months ago. The duct work replacement begins mid XXXX. I have requested full payment for the mold contractor for two months now. The mortgage company suddenly had additional forms I had to submit that they did not send in the first packet of XXXX forms and threw up all kinds of roadblocks and delays imaginable until they finally agreed to pay the mold contractor. I received the checks today ; however, instead of providing full payment for the mold contractor, half of the mold contractor payment was provided and a third of the payment for the duct work contractor who does n't even start work until mid XXXX? All I wanted was full payment for my mold contractor that finished their job 2 months ago. The mortgage company is still holding $ XXXX for the duct work contractor. Who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Midwest Finance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I HAD GOTTEN A PAYDAY LOAN AND I HAD AN AGREEMENT WITH THE PREVIOUS EMPLOYEE. I HAD RUN INTO SOME FINANCIAL PROBLEMS AND IT SET ME BACK SO I WENT IN AND TALKED TO THE PREVIOUS EMPLOYEE SHE TOLD ME TO PAY WHAT I COULD WHEN I COULD. THE COMPANY CHANGED OWNERSHIP AND THE EMPLOYEES THAT WAS ONCE THERE ARE NO LONGER THERE. THE NEW EMPLOYEES, NOT KNOWING MY SITUATION, HAS BEEN CALLING ME EVERY SINGLE DAY SOMETIMES XXXX A DAY CALLING MY JOB CALLING MY REFERENCES TELLING THEM WHAT I OWE WHAT THEY BE LEAVING MESSAGES SAYING AS WELL AS WHAT THEY GOING TO DO IF I DONT GET IN THERE. I KNOW THEY ARENT SUPPOSED TO SAY ANYTHING TO REFEENCES OR WHOMEVER ANSWERS THE PHONE AT MY JOB. NO MATTER WHAT THEY SAY ARE DO ITS NOT GOING TO CHANGE MY SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: OH
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 following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( 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 2022-06-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some rented an apartment using my information. Spoke with the property in question and the agency seeking to collect this debt. Based on the information given I was not in that apartment on XX/XX/2015 but was at work Im Connecticut. This debt keeps accruing interests. I have disputed this account numerous times and even offered to pay 25-50 % just the get this off my credit file. They are asking me to settle for 80 %. I have no business dealings with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The mortgage company LoanCare has not reported correctly to the credit bureau. They reported that I missed a payment and every month after shows a missing payment. What actually happened was the my credit score went up {$70.00} and I Was n't notified to make the change in my bank account since payment is deducted automatically. I owe the XXXX to bring my account up to balance, but the principle and interest payment has never been late.

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 2020-10-06
Company: Experian Information Solutions Inc.
State: MS
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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XXXX are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

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 2022-06-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was overdrafted because initially one the claim the claim was already of, why is the company the was supposed to fix my XXXX XXXX, halfway fixed it, I was having this problem with my insurance company for XXXX XXXX, for a couple of claims, the in particular part that they needed to fix they never fix it, so I made a claim with my bank Wells Fargo, because it was still was not fixed, and it's still not fixed, the bank returned the money, after receiving a, state tax on the XXXX of this month, they said they reversed it back,

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 2016-12-29
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I was the victim of a phone hack ( which i didnt realize until about a month later ). Funds from my XXXX account were transferred to my Simple Bank account and then transferred to someone in XXXX using my XXXX app. there were XXXX transactions - XXXX for XXXX and XXXX for XXXX. There was XXXX additional transfer for XXXX from my XXXX card that was researched once i filed the dispute and found to be fraud and was reversed. I have been asking Simple to refund the fraud charges and they have said because they fall into a natural occurance, because one other time i used the XXXX app to pay a friend, they are not showing that it is fraud. I do not know anyone in XXXX. I have no cause to send them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Green Tree Servicing LLC changed into Ditech Financial and I have been charged false " late fees '' even when paying before the date specified. My statement say " a {$27.00} late fee will be charged if paid after the XXXX of the month ''. I paid by XX/XX/XXXX last month and did have real late fee that I also paid in FULL and my statement for XX/XX/XXXX says I owe $ XXXX+ in late fees!!!! FOR WHAT?!?!?! It is robbery and makes no sense. They also just went up on our payments for escrow and I 've been reading alot of complaints about this company. I feel as if I am being played with, stolen from and I can not afford this! They should be out of business!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. I sent XXXX several photos depicting the issues in the apartment during the lease term as well as documents I had sent to the leasing company disputing their charges. The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft.

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 2022-06-04
Company: National Credit Systems,Inc.
State: MI
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:
THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW 554.134, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to " opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One advertises the fact that cards are instantly available upon approval. Seeing this, and given the fact that I had been an existing Capital One customer, I applied for a new XXXX credit card. However, the card was not instantly available. I had relied on this advertisement because I needed a card to pay rent. Capital One advised that it would take two weeks for the new card to arrive in the mail. As a result of Capital One 's failure to honour its advertisement of instant card availability, I have now incurred significant late fees in paying my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.

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 2016-02-22
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a private student loan through Navient ( formerly XXXX ), and each month of this year, my loan payment amount has increased. My payment due on XXXX XXXX, 2016 was {$7.00}, my payment due on XXXX XXXX, 2016 was {$140.00}, my payment due XXXX XXXX, 2016 is {$140.00}, and looking ahead, XXXX payment due on XXXX XXXX, 2016 is {$140.00}. According to the loan detail page on my online Navient account ( at www.navient.com ), I have a fixed interest rate of 9.875 %, so that does not change and I 've been paying on time, so there are no late fees. When I called to question this, the lady I spoke with could not tell me why my payment amount was continuing to increase each month, would barely let me finish a sentence, constantly interrupting me and talking over me. She would also not give me any contact information for a supervisor or higher authority. I do not understand at all, why my monthly payment amount continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EOS Holdings, 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 information incorrect

Complaint:
EOS CCA # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX, XXXX XXXX XXXX, and EOS CCA. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.

Company response to consumer: Closed with explanation