BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: VA
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Grant & Weber
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I faxed a letter to Grant & Weber for debt validation, and not only did I NOT receive a response, but they also increased the balance by {$4.00} which could be an attempt to keep the account active on the credit bureau report ( s ).

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 2016-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2015-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: FinCo Services Inc DBA Current
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the evening of XX/XX/XXXX around XXXX AM Central Time, I went through the app OfferUp looking to buy an electronic device called a Steam Deck. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his offerup account. Since then I have contacted XXXX and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with XXXX XXXX. It's unreal how scammers can just get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: World Omni Financial Corp.
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: Account information incorrect

Complaint:
I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

SE TOYOTA FIN DBA OF WOFC : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in SE TOYOTA FIN auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

XXXX  XXXX XXXX : XX/XX/XXXX XXXX report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside XXXX  sent bad information ; a close analysis of my XXXX profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with XXXX  and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX XXXX  make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Finance of America Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had closed refinancing my home loan on XX/XX/XXXX XXXX. As part of the closing I paid XXXX USD towards Prepaid for Homeowner 's Insurance Premium. 

This amount is neither paid to my Homeowner 's Insurance ( XXXX XXXX XXXX ) nor is it transferred to my existing Escrow account serviced by Load Care. 

In XX/XX/XXXX, The Homeowner 's Insurance Premium was paid from my current escrow account. 

I had raised this issue with my current escrow account service provider on XXXX, XXXX and I have not got any reply. 

I raised this issue with the Lender at the time of closing which is Finance of America Mortgage in XX/XX/XXXX. And they said its handled by the Title company ( XXXX XXXX XXXX ) I have raise this issue with XXXX XXXX XXXX and there is no reply. 

Prepaid amount of XXXX USD is missing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please find attached supporting documents.

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 2021-01-13
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for equipment that I returned but the company said that I did not return and charged me. I sent it in the mail. I should have no charges after my return

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am on an income based repayment plan through Navient. I submitted my yearly tax returns to have my payments reassessed. On XXXX XXXX I got an email that the payment term for my loans had changed and my next payment amount was {$340.00} due on XXXX/XXXX/16. On XXXX XXXX I got XXXX emails. The first said that the payment term for my loans had changed and my next payment amount was {$360.00} due on XXXX/XXXX/16. The second said that the payment term for my loans had changed and my next payment amount was {$51.00} due on XXXX/XXXX/16. On XXXX XXXX I got a monthly statement email that said my next payment amount was {$760.00} due on XXXX/XXXX/16. When I logged into my Navient account to check which amount was correct it said that the auto-pay would bill my bank account {$760.00} on XXXX/XXXX/16 and XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Sentry Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had created a XXXX debit card which was recommended as an employee. It was linked to my bank account and the money I used was my own money. A week before I received my card in the mail I saw a charge for XXXX I brought this up to customer service and called XXXX to return my money and cancel my account. I was furious that this happened because it was a debit card which meant someone is taking my hard earned money to buy shoes not even in XXXX. They apoligzed and returned my money in 3-5 days. A week later it happened again over drafting my account I called XXXX again and they said that this transaction had to be processed three times and returned back again in 3-5 days they also said how they cancelled my card and have a new one for me when I explained to them I just did n't want an account with them because this should n't have happened. I also had to call my bank and get them to reverse the overdraft fee. I got the money back agian and then the following week they took out the money again over drafting my account again. I called them for the third time and they said they reversed the transaction again and it will return in 3-5 days hoping this was the last time I called my bank again to reverse the overdraft fee. After two weeks I get a call saying I owe a balance of XXXX for the shoes I bought I explained that I had already disputed with someone that I did n't make this purchase they looked through the records and said oh OK yeah I see that. We returned the money twice and I said actually three times you took my money three times and returned it three times. That 's when they claimed that they gave me an extra XXXX one from my bank and one from them and that I need to pay it. I looked at my account and did n't see any extra money and I refused to pay the balance something that should n't have even happened and caused me allot of problems with my bank. A full month of problems for a fraudulent charge on a debit card I did n't even recieve before this happened and inconsiderate reps that did n't follow my wishes to close the account just to keep me as a card holder.

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