BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed two rounds of letters to the three credit bureaus about incorrect information on my credit report. I sent letters on XX/XX/XXXX and still have yet to get a responds. It has been more then 30 days and no action has been taken.

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 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I payed my account off in full using the companies autopay by the due date XX/XX/2019. Capital one still went and billed me interest. I called and requested my fee only statement of $XXXX to be removed as it must have been done in error.The lady in customer service stated that the way they bill interest is that even if you pay the account off in full. I was transferred to a manager and informed they bill the exact same as if it was a cash advance balance(which it was not) and that it must be paid in full multiple months in a row to not be billed interest. XXXX(the manager) refused to waive the fee as well. I have no doubt that capital on will bill me the interest on my interest next month and so on. All i want is this XXXX interest charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: City Enterprises, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX   XXXX  keeps harassing me and calling me on my cell phone and on my job calls was made on  XXXX / XXXX /   17  By  XXXX  phone number is  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I bought my house in 2006 and put 25 % down. Ocwen manages the loan, andI have been in foreclosure several times. They say I can not have loss mitigation. 
The loan is now for forty years with a balloon payment. The note is worth about XXXX, the house is worth less than XXXX. They have charged so many fees. 
The first year alone I paid {$29000.00} to the company, yet I own more now. I was diagnosed and treated for XXXX, and I feel I ca n't go on like this. 
I am very scared. I have no family really, I have a great son, and my husband is mad all the time. I had a lot of friends where I used to live, I do n't know anyone here. I can not sleep or eat, and am still sick from the XXXX XXXX. I have no consumer debt. I know we all have to make our own way. My father was in the XXXX XXXX, we were stationed in XXXX and XXXX. He left me something when he passed at age XXXX when I was XXXX. He was a great father. My uncle, a XXXX, took that from me. A district judge signed off on a settlement agreement where my uncle said he would give it back, but he has n't. I want to leave something to my son, he is a good boy. I am very lonely, and would like to work more. I have never taken disability or anything, but I really really need some help. Thank you in advance for reading my words and thinking about my family. 
Take care now, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MO
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRIAD FINANCIAL SERVICES, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today,XX/XX/XXXX I found out that my mortgage company, Triad Financial, did not pay my property taxes out of my escrow account. I have called the company, sent an email, and tried to contact them via XXXX. They are not answering. This situation has affected about XXXX people or more in my manufactured home community. We are also not able to tag our cars since we now owe " delinquent '' property tax. The money is in my escrow account, I checked. I also spoke to XXXX XXXX XXXX  and they stated they faxed multiple times to Triad to pay these property taxes, and have not heard from them as of today. This company is not accounting their money correctly even on a monthly basis. They will state you are late even if you pay a few days early and then put the money into the incorrect sections of your account. Dealing with them over an issue on a monthly payment has become a " normal '' thing, and now this situation over the property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam please see the attached letter. I was a victim of identity theft and there is a company that purchased a debt from a furnisher from 4 months ago that was deleted due to me being a victim of identity theft. XXXX took the time to review my account and review my documents and noted that the deleted and blocked this account because of of my documents on file that shows the original furnisher XXXX XXXX was in fact part of my identity theft. I am now contacting you with hopes that you will do the same rightfully since this was deleted. Attached is my Federal Trade Commission Affidavit and XXXX Police Report that should be attached to my original case and file. I have also reattached for your review. 

I hope that you can see what they are trying to do and follow what your counterpart XXXX has done to protect me the consumer. I appreciate the job you guys did to get my case resolved and the hard work to clear me and help me resolve my identity theft. Thank you Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: United PanAm Financial Corp.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on XXXX & TRANSUNION that have not been removed and they are badly affecting my score : Showing on report from XXXX  & TRANSUNION, XXXX XXXX  XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from XXXX  only, XXXX XXXX/XXXX  with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )

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 2021-12-15
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX from XXXX XXXX for Bank of America-Letter dates XX/XX/XXXX and Complaint number No. XXXX, that he claims to state in his letter that the XXXX XXXX XXXX XXXX XXXX Promissory Note and Mortgage was transferred to Bank of America in XXXX of XXXX. XXXX XXXX was shut down from the FBI, and filed Bankruptcy at that time. I DEMAND TO SEE THE TRANSFER OF SERVICING RIGHTS FROM XXXX XXXX XXXX XXXX XXXX TO BANK OF AMERICA, AND THE APPROVAL FROM XXXX XXXX THE PLAN TRUSTEE THAT HE GAVE PERMISSION TO MERS AND BANK OF AMERICA WHEN THEY SUBMITTED THE ASSIGNMENT OF MORTGAGE UNDER 11 USC 362 and 363. I DEMAND TO SEE THE ORDER JUDGE XXXX PROVIDED IN THIS MORTGAGE ASSIGNMENT TO BE GRANTED PERMISSION ALSO-Under RESPA LAWS I was required to get a notice from the Bankruptcy Trustee and Judge XXXX over XXXX XXXX XXXX XXXX XXXX XXXX of The Transfer of Servicing Rights to Bank Of America.

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 2022-05-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails on XX/XX/30 identifying a pending checking account application with Wells Fargo ( that is fraudulent ). I contacted their fraud department on XXXX and provided the application reference number ( and was even able to go online and pull up the application myself including all details ) and offered to provide any other details from the application. They informed me that there was nothing they could do to access or prevent the application from being approved and that they had no way to actually access the pending application ( notwithstanding that they have a public-facing portal that provides access to pending applications ).

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 2018-03-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an account with XXXX XXXX prior to the merge with Wells Fargo in XXXX. I called customer service and closed the account leaving money in the account to cover any charges for 1 month. I called back to customer service and advised that I would be withdrawing the additional funds from the closed account, but I will leave enough money to cover the ATM charge. In XXXX, I received notice from Wells Fargo regarding excessive charges to this closed account over {$200.00}. ( Please note there was no correspondence by phone or mail from Wells Fargo prior to receiving this notice. ) I called the phone number provided on the notice and requested bank statements to support the alleged charges. I received the month prior with a positive balance and the month after negative balance, but they failed to send the actual month that the alleged charges occurred. I called again to request this month, but was told that it should be there. The person became argumentative when I advised him that I did not receive the document. I advised the personnel that if the company can send me actual proof of the amount owed, I do not have a problem paying an amount that I owe. 

On XX/XX/XXXX, I received a voicemail stating that she will attempt to serve papers tomorrow on XX/XX/XXXX between XXXX, if she is unable to serve the papers then she will document that I refused the papers and the court proceedings will comence without me leaving a contact number of the plaintiff department at XXXX. At the time, I was totally unaware of what the call was referring, but the representative ( which voice sounded the same as the one leaving the prior voicemail ) advised me that it was referring to a XXXX account. The representative then stated that I owe a total of {$440.00}, but I have the option of paying 70 % of the total owed in the amount of {$310.00}. I was also given the chose of making installments? I explained to the representative that I requested documentation from Wells Fargo in XXXX to support the charges, but they failed to send me the proof of the actual charges. The representative stated that she did not have access to banking statements and inquired about how I wanted to proceed? I advised the representative that I was not going to pay an amount simply because they say that I owe an amount that they are not willing to provide documentation. The representative stated that she would document that I will continue with court proceedings.

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 2019-12-20
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a UDAAP violation. We were enticed to refinance our mortgage with the promotion of a $XXXX   credit or a promotional XXXX.  To date, we have not received our XXXX. I have been told it would be shipped in a batch shipment from corporate in XX/XX/XXXX. I followed up XX/XX/XXXX asking for a tracking #.  I was told it did not ship. I was told they would over night one on XX/XX/XXXX. Then I was told they were at a XX/XX/XXXX party and then they had the XXXX. Then I was told they didn't understand the promotional program ( all in writing all in a series of serveral emails)  multiple follow up emails of empty promises . I told them I wanted this escalated to a manager and this was a udaap violation. Now nobody will speak to me.Emails from me asking for updates on the XXXX- XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19-e mail from XXXX XXXX saying on the list to receive it should be going out shortly. XX/XX/19, XX/XX/19- attaching some examples where they say its being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXX was written explaining that this debt was mine and opening a investigation on this debt. The 30 days that is given by The FCRA guidelines to the credit bureaus have come and gone and now would like to have this removed from my credit report for being in violation of the FCRA. Have included the attach letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.

Company response to consumer: Closed
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: WA
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 that I am (60) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these 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 2019-12-20
Company: Global Lending Services LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Stop reporting me late I do not have an arrangement with you, nor do I make payment to you.

This account is in dispute I do not owe these people this type of money.

his companies is reporting me late to the credit bureau and I am being refused credit because of them. This account is old and in dispute I do not have a payment arrangement nor a payback or anything because I do not owe them anything.

What right do they have to continue to report me late for the sole purpose of discrediting my integrity? I have not had this account for many years, and it is closed why are they still able to report me as being late. The company is a fraud a prey on poor people why would you repo a car and take it back after 1 missed payment and sell it for XXXX and the car was 2 months old. It is all a scan to make poor people worse that it. I do not owe them this kind of money. I ask you to get them to stop reporting me late for something I have no credit with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: MO
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 called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be updated. 
XXXX  XXXX : {$7300.00}

Company response to consumer: Closed with explanation