BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im writing this correspondence because in XX/XX/XXXXmy husband and I did a loan modification on our home. I was laid off from my employer and was not able to find employment until late XX/XX/XXXX. At that time I was told that I can make partial payments in the amount of {$820.00}. We were told the remainder of the balance of our payment would be a rear age that we would have to pay at one lump sum or it would be figured into the modification. We were NOT told that this would negatively impact our credit. In the way of saying that we had made late payments because we were in an agreement with Wells Fargo. We had made a commitment to make the above payment in order to be approved for the modification. We had to make these payments for 3 months consecutively. Well our case sat on someones desk for 9/10 months as we continued to make the agreed to payment. I called and called, I finally wrote emails to CEO and CFO before anything would happen.
Fast forward to XX/XX/XXXX/XX/XX/XXXXI was laid off from my job again, agreed to a partial payment with Wells Fargo in the amount of {$850.00}, was not sent the agreement and again was not told that the partial payments would negatively affect my credit. My husband and I continued to make the payments in good faith thinking that we were doing the right thing. We agreed to a loan modification because we were told the rear age would be rolled into the loan modification and that our credit report would be updated.
I bring this up now because we are trying to purchase a new home and sell our current home and because Wells Fargo falsely reported these payments as late or misled my husband and I that they werent going to be late we are unable to purchase a new home. We had no idea that this is what happened until someone really explained it to us, and told us that this has been going on especially where Wells Fargo is concerned. My husband called in yesterday to obtain info on the modifications and he was placed on hold for 30 minutes and the person he was on the phone with couldnt find the info he was asking for. Either Wells Fargo doesnt have it together or your departments need better training on document retention. Im asking for you to correct this matter as soon as possible. I disputed the false reporting on my credit because for me it read as inaccurate because we were making the payment on time and the payments that were agreed to by both parties.

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 2017-08-17
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XX/XX/XXXXWe filed for chapter XXXX bankruptcy. In XXXX of XXXX we completed 3 trial payments for a loan modification. Loan documents were sent out to be signed. We never received the documents. Because we completed the trial payments I was under the impression that our modification was complete we waited to see what our new payment would be before making any more payments. I call every month to find out What our new payment would be. After nine months, I was told that the documents were sent to my attorneys offices and returned twice. At this point our home went in to foreclosure and a court date was set for us to have to move out and turn over the home. The date was set for XX/XX/XXXX. It was Seterus fault that we did not receive our documents by XX/XX/XXXX. They never contacted me to let me know the status of our modification and what we needed to do. When I called I was never given any information as to where my documents were. Interest in late payment fees were added into the loan and our loan has in creased by over {$100000.00}. When we bought the home in XX/XX/XXXXWe paid XXXX We put down XXXX we got a mortgage for {$340000.00}. In XX/XX/XXXXwhen the loan was transferred to Seterus our mortgage balances was approximately XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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:
XX/XX/18 and XX/XX/18 XXXX made two separate fraudulent hard inquiries to my Transunion report. Transunion has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching XXXX  by phone.

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 2021-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/2021 and XX/XX/2021, i sent letters to XXXX  and equifax about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX i need help getting this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX, 2017 I have received the letter from BOA which told me they closed my account due to 1. the account has been inactive 2. Derogatory public record or collection filed First, I tried to get credit report and score from XXXX XXXX. I even spent about 30 dollars to get credit score. The credit report was fine which had been reviewed by my accountant friend. And my score was above XXXX which I believe it 's excellent score. I admit I did n't use that card. But when I called back BOA, they tried to look at my credit, and still only got around XXXX score, which I did n't know why BOA saw different score as me. Does it mean " XXXX XXXX '' not reliable? The account still had around 120 dollars cash reward in there and I could n't get it back due to the account had been closed. I do n't care they closed my account, but I need my cash reward back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Danco Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, Danco Financial filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against Danco Financial, and XXXX XXXX, XXXX ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that Danco Financial had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for 15 years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: PA
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:
I reviewed my credit report and noticed there are some things reporting that I did not give consent to. I did not authorize nor benefit from the following inquiries. According to the fair credit reporting act the following inquiries must be blocked and removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversify Consultants Incorporated started to call in the beginning of XXXX XXXX to collect a debt from a cancelled XXXX account. I did not try to dodge them and I was giving them everything I could to bring the amount down. I could not afford it at the time so I gave what I could when I could. That was not enough because they reported my account to the credit bureau which placed a derogatory mark on my credit profile. During this time the amount began to change. I began with owing {$440.00} and then when they tried to call again they said I owed a little over {$500.00} and then again the amount change to around {$250.00}. Confused, they told me that I owed {$440.00} and I could settle for an affordable amount. I paid a payment of {$40.00} on XXXX XXXX, XXXX, and settled the rest once I was employed again for {$200.00} on XXXX XXXX, XXXX. I asked them for proof of the settlement and payment, they then put me through loop holes and told me it could take up to a week to receive a email. I never received said email, so I call DCI and they told me it was sent and they would resend it. My email shows no emails whatsoever received from DCI. I was needing this information so that the mark on my credit could display the correct status and my profile score could increase. They have yet to report it or give me proof the the settlement and payment. All representatives I speak with try to quickly get me off the phone or place me on hold for very long periods of time. I have to receive any information or see any change in the status on my credit. The money was taken from my account but I have no proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
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:
This is a follow up complaint top ARS. ARS stated XXXX reporting of an unpaid collection account is not a violation of a cease communication request, which refers to contacting the consumer regarding the debt in question. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium in accordance to 15 USC 1692a ( 2 ). 

A credit report is a medium that you're communicating with me the consumer indirectly! 

ARS claims once again that the FDCPA doesnt apply to them and they continue to violate my cease and desist! 

I have given ARS over a month to cease communicating and they still continue to so. 

I have rights as a consumer that i will not continue to let this lousy third party company who stole my identifying information to violate. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, excep to advise the consumer that the debt collectors further efforts are being terminated. 

Im not paying it and you need to cease and communication directly and directly before i sue your XXXX under the FDCPA. 

You make a choice, XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a {$1200.00} payment out of an account Ive used before on XX/XX/XXXX and was told the next day that my payment posted but was on a 7 day hold. Called my bank with Capital One on the phone and verified the payment came out of my account. Was told they wouldnt clear the payment regardless. Called back on XX/XX/XXXX and was given the run around for an hour until my bank was closed. Called again on XX/XX/XXXX and was told the funds wouldnt be available until XX/XX/XXXX even though I explained that my truck was in the shop and I needed to pay to get it out so I could have a vehicle. I will have no vehicle for two weeks because capital one felt like holding my funds for absolutely no reason. When this happened before because I used a new account they called the bank and pushed the payment through. This time they are completely unwilling to do anything to help me even though they know the payment has cleared. There was nothing they could do was the last response I heard from capital one and when I asked for a reason for the hold on the payment I was told he couldnt tell me the reason. I will be canceling both of my capital one cards after over two years because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: DC
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2016 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX 2015, the original debt of XXXX plus interest of XXXX = XXXX which was represented as the total indebtedness at that time. How did the debt rise to XXXX in 2+years ( an increase of ~56 % )? Debt numbers can not be referenced to any loan generation source ; they are not cross referenced to any other loan numbers. see attached documents to secure these points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: PHH Mortgage Services Corporation
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX

Company response to consumer: Closed with explanation