BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-28
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm returning because I continue to have issues with my lender, my tracking number was XXXX In XX/XX/XXXX on my account statement shows activity for reversal payment which has not happen thus far, approximately XXXX In XX/XX/XXXX I Paid and escrow bill {$30.00} dollars, I 'm unable to denote the actual amount that went on my escrow, I have made every attempt to keep this account in good standing, Seterus is making this very difficult.XX/XX/XXXX Seterus states my payment will increase! 
I can not afford a lawyer, I feel that I truly need one, hopefully someone will hear my plea and help me, My previous request for help ended very minimal and my back remain against the wall, I am asking to have my account audit to make sure my principle is as stated I 'm requesting acceptance of my deferred taxes from XXXX county [ I have the affidavit ] and the escrow account be closed, with all monies in the account go toward my principle I 'm requesting that the reversal of XXXX XXXX be applied to my account I 'm requesting that revision of my payment schedule to only include principle and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm currently having an issue with Transunion, XXXX and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-Members XXXX XXXX XXXX acct no. XXXX -Members XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ACCT NO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX These companies listed above are violating my rights as a consumer.

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 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 been disputing these late remarks with the bureaus and they are ignoring me. I am wondering if the letters I sent to them are being received or just ignored. I have been asking for proof about the late remarks in my reports. Please help me get them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
1. My son and daughter used to attend XXXX and completed their lessons during the XXXXXXXX2. I gave many verbal and a written request to discontinue lessons to XXXX XX/XX/XXXX ( Exhibit-A ) 3. Neither any authorization was requested by XXXX for the next season starting XXXX, nor any given by me for the same. 
4. No credit card details or signature was provided by me to XXXX for the next session. 
5. A completely unauthorized charge of {$2000.00} was made by XXXX on my credit card. 
6. SEBASTINI was repeatedly contacted to reverse this unauthorized charge but provided no cooperation. 
7. Then, AMEX was repeatedly contacted over past 6+ months and provided with all the evidences to reverse this unauthorized charge. 
8. AMEX did not cooperate and provided a forged document, without legitimate signature and just my wife 's name written in block letters that was presented by XXXX, as the basis of legitimacy of this unauthorized charge. ( Exhibit-B )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have worked with XXXX bank regarding a loan that was paid off in XXXX. It started to appear in my negative credit portion of my account in XXXX XXXX showing I was currently delinquent. I worked with the bank and OCC and they removed it from all my credit bureau as it should have been in my positive credit. Please see the attachments for XXXX of XXXX. All XXXX bureaus were corrected. Then in XXXX Equifax started reporting it incorrectly again. I worked with the bank again and OCC and they XXXX have determined it should be removed ENTIRELY off my credit. I have enclosed the letters dated for XXXX XXXX of the investigation that was completed. I have waited for a number of weeks and Equifax is still reporting it negatively. I have disputed it again with Equifax and they refused to remove it from my credit. Please see the most recent credit dispute with them. This is costing me more money in loans as my credit score is not correct and creating a hardship. The XXXX Bank account needs to be removed immediately from my credit. If it continued to report, I will have to file a lawsuit again Equifax and XXXX bank. I have indisputable evidence that the OCC and XXXX bank XXXX agree the information that is being reported by Equifax is incorrect and is in violation of the fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX  account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation that should take at least " 30 days according to the law '' as they should because if they did, they would've known that this was a factual account with over 10 months positive payment history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on both bureaus and i have all the proof in the attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXXXXXX Bank On XX/XX/2022 have been charged me Interest and late fees all the way up too XX/XX/2022 for XXXX dollar for No Transaction have not been done since XX/XX/2022 was my last purchase And my account is paid in full.. I haven't used my over XXXX months and I received a bill of XXXX dollars for None purchase, I was charge for not using my. Card every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice of debt with no explanation. Sent letter via certified mail within 30 days requesting validation. The response we received was a copy of a medical form called " Authorization for Use, Disclosure or Publication of Photographs '' with no financial information. Sent another letter asking for more explanation but never received a response. ACE has since reported a collections to credit agency with no explanation of the amounts, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
sent equifax a letter requesting a credit report XXXX  times, fust received a letter from equifax to get my credit report they want me to send them a copy of my drivers lic and social security card for the third time, this has been months and many calls to get this resolved to no end.i believe they are in violation of the law by not giving me my credit report.They are refuseing to take any online dispute, also they have my date of birth wrong, and added a sr at the end of my name.so at this point i can not get a copy of my credit report to dispute anything.XXXX XXXX  reports a equifax fios XXXX and at equifax site it reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
So I have a bbt credit card. The bright one. U went on vacation and stop and used it at several gas stations. Got back and noticed a fraudulent charge for XXXX. Reported it to XXXX XXXX. They disputed the charge and sent me a new card. They did not say they were going to close the account and open a new one. When bbt did this. It dropped my credit score significantly. I need help resolving this issue. Please contact me at  XXXX. thank you.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE 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:
i financed a XXXX used XXXXXX/XX/XXXX with XX/XX/XXXX IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, XX/XX/XXXX continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to XX/XX/XXXX intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XXXX of every month i spoke with a stepahanie at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that XX/XX/XXXX IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting

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 2020-09-30
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: Their investigation did not fix an error on your report

Complaint:
I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XX/XX/XXXX balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to XX/XX/XXXX and Equifax and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-28
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in XXXX and was not required to have flood insurance because I was in Zone X. My servicer was XXXX. At some point in the last few years my servicer changed to Seterus. In XXXX FEMA changed the flood maps in my area and placed my property in Flood Zone AE ( high risk ). I did not get any notification of this change from FEMA nor from Seterus. I was unaware of the change until recently when my home flooded with XXXX ' of water from the XXXX flooding. I checked with my neighbors and most of them got notifications from their mortgage company when the maps changed telling them they had 45 days to provide flood insurance or it would be placed for them. I have read that it is a Federal Law for mortgage companies to place flood insurance on their assets to protect them when they are in high risk flood areas. As I understand it is their responsibility to know this information and inform me. The situation now is that I have a home worth pre-flood XXXX but now needs XXXX to rebuild. I currently owe XXXX on the original mortgage. I feel that the servicer or XXXX or FEMA bear some responsibility in not having the coverage I needed. I have gotten some money from FEMA as disaster relief but not to cover rebuilding. The home currently is vacant and not livable. I have called Seterus and they give me the run around sending me to their Insurance department XXXX who then tells me I do n't have Flood Insurance. ( I know ) They tell me I can not talk directly to their property mitigation department nor directly to XXXX about getting help with rebuilding costs by way of cash or mortgage reduction. I do n't want to walk from the house but the numbers just do n't add up. I need to find the right person which has not happened to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Friday XX/XX/12 I transferred a total of {$31.00} from my bank to my Cash App account. I later attempted to cash out the funds to another of my debit cards for spending purposes. I began to get this cash out failed error over and over and this has been ongoing for the past 6 days. I made contact by phone and chat support to no avail. This morning I called again and was told my account was randomly frozen and they never bothered to contact me regarding this matter when they have my email, phone number and an internal mailbox where they can message me directly. I have been a longtime user of Cash App and Ive NEVER partaken in any fraudulent activity or had any fraud incidents, so I would expect at minimum a courtesy text or email that my account was frozen for safety. I dont feel like this was done with me in mind and this has been the worst experience so I will not be using this platform moving forward. After all this they are still refusing to make my funds available even after theyve been notified of my issue.

Company response to consumer: Closed with explanation