BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2016-12-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for HAMP loan modification with Fifth 3rd Bank and the bank moved forward and sold Our home. The bank acknowledged receiving the complete losss mitigation application and supporting documents but still moved forward and did not review or offer any type of solution to help Us stay in Our of 22 years. All of the equity We invested is taken away. We hired an attorney who was suppose to be representing jUs with the foreclosure process and he basically stole Our money. The attorney has been missing in action and does n't take calls or respond to text or email messages. We later found out he has been cited by the Lawyers review board for inappropriate conduct. We are now struggling with finding another attorney and appealing a case that should have never gone this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
the company ONE MAIN financial has been charging me exuberant fees on top of that they call my work place and call my friends regarding my debt and they dont stop calling me whenever i get a late payment and reported me delinquent inspite of talking to the company and making them fully aware that I will be paying late but i will make sure i pay and now they reported my account delinquent were in i was just paying late due to being affected by covid starting from 2020 and did not get paid.

I informed them about options where they can help mebut declined and stated that they can not help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Midland Credit Management a certified validation of debt letter on XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA XXXX that was delivered on XX/XX/2019, requesting validation of the debts with a 30 day time limit. 
( Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not receive a response from them until XX/XX/2019 ( dated on their end XX/XX/2019. 
This letter did contain verification of any debt, only a misstatement of my request about having an attorney representing me. I have none as yet. 

Therefore, I want to report a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I was urged to contact my bank Wells Fargo by a XXXX representative regarding a potential fraud attempt on my account. I contacted Wells Fargo and gave them the XXXX representatives I.D . number. The Wells Fargo representative confirmed the I.D . of the XXXX representative as legitimate after speaking with the XXXX representative. The Wells Fargo representative informed me of fraud attempts was in progress and it was intercepted as a result of the information received. I was instructed to assist the XXXX representative and to do whatever was needed to be done and that any money that was lost Wells Fargo would reimburse. If I didn't follow the instructions and lost money I would not be reimbursed. My credit card became max out. I contacted Wells Fargo in writing letter dated XX/XX/XXXX USPS Tracking Number XXXX. I spoke and was told on XX/XX/XXXX that the case is still open and not do ( pay on account ect ) anything until I receive another letter. I spoke to a Wells Fargo today XX/XX/XXXX and they claim they never received a letter from me. I was told I have to pay on my credit card account which I feel I should not.

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 2015-10-07
Company: Diversified Adjustment Service, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXX XXXX Transunion inserted a fraudulent item into my credit report. They are aware that I was a victim of ID theft and have all required documents on file. However this item randomly appeared on my report after I fought for TWO years to have it removed. The item has been removed for over a year and now it is fraudulently re inserted into my credit report, ruining my credit again. This is in violation of the FCRA and I want it fixed immediately.

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 2015-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: MA
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:
XXXX, XXXX, and Equifax are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Net Credit Financial my last payment, XX/XX/2019. ( XXXX ) i reported to them I have been affected Disaster/covid 19. Which shows on my credit reports lates for over 2 years. I have been trying to settle or work out an arrangement but they are not willing. However this monthly lates is hurting my score. They have told me they would not report but it keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the start of the loan our payments have been all over the map. Some {$650.00} and some {$1300.00}. The final truth in lending presented that helped make the decision to get the loan offered a set amount finance charges being broke into a set number of payments each for specific dollar amount. 24 payments of XXXX. 335 payments of XXXX and 1 payment of XXXX. It was not marked as being an adjustable interest rate. This was a refinance loan. The lender paid a total of {$80000.00} which included the closing cost and broker fee of XXXX. The first statement we received in the mail said balance of {$95000.00}!!!! And it came 21 days after closing so we could not cancel the transaction.. The copy we have it is not marked adjustable. We have our taxes and insurance being paid from an escrow account controlled by the servicer which is included in our payments every month. We received a notice saying they had audited our escrow account and it had a shortage even though they determined how much was needed monthly. None the less we made the higher payments as requested to cover the shortage. Our insurance was XXXX anually and taxes XXXX anually. So when after paying XXXX  monthly for a year and being told again there was a shortage which would require over XXXX to be placed in escrow resulting in $ XXXX balance in escrow account .and being told that what was supposed to be 5.5 interest rate now being 9.65 % our payments skyrocketed. Repeatedly i asked how there was a shortage. Never given an explanation which made sense. And when asked why our interest rate changed they said thats what we signed in agreement to. This has been a nightmare.The abuse we have suffered at the hands of various servicers is unbearable. PHH being the most recent. After ocwen ran us into the ground one final time by randomly charging XXXX for title search on top of our payment then phh took over. We are at their mercy. Companies involved are XXXX  XXXX  ( broker ) Option One ( lender ) XXXX XXXX XXXX ( trustee even though it was not a trust deed and there was no trustee named ) XXXX XXXX XXXX XXXX, Ocwen and PHH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I tried to transfer funds from m y Merrill accoun t to Bank of America checking account. On  XXXX   XXXX , I us ed Merrill Edge o nline to sell shares and transferred cash  to BofA using their 3-4 day free wire transfer system. One week passed, there was n't any money transferred.    I calle d to Merrill to find out and they explained to me that BofA required more information for the transfer to complete. Previously, I had no problem doing the same transaction. But now they need more information. They asked where I was born, my citizenship, and how do I intend to use the money. As ridiculous as it is, to transfer my money from one bank ac count to the other, I answered all the question. Money did n't get transferred until  XXXX   XXXX . Bank of America also charged me {$16.00} wire transfer fee. I call ed Merrill about the fee, they answered it 's BofA who charged it so Merrill is not responsible. I called BofA about the fee and after long wait, they answered that it was an international transfer so they had to charge it. They found out that Merrill send mo ney to  Merrill   XXXX  and re-routed  to US. It   was huge inconvenience that I was not able use that money on time and headache to call around to get my money transferred.

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 2016-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
sagestream has some inquiries on my report that are not mine. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- XXXX   XXXX  XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX- Mortgage Cos. 
XXXX Inquiry from XX/XX/XXXX, XXXX- Real Estate Sales/Rent XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Dealer S Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX # Inquiry from XX/XX/XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
Factual Data Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg.  Agencies Ccb/ppc Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX National Credit Card Cos . 
XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX- All Banks XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX- these inquires are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Affiliated Management Services
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency in regards to my credit report over 30-days ago. I told them this account should be included in my bankruptcy. However they have not updated the information accurately. The are still reporting the account as OPEN which is should not be reporting as an OPEN COLLECTION ACCOUNT. This information is not accurate AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation