BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. After sending multiple letters to XXXX, I have not received any response from them nor seen any changes to my report. The negative account which I have been disputing still appears on my credit report. This is clearly a violation of XXXX XXXX. Additionally, there is no name associated with this file & which needs to be deleted due to inaccurate information.Please delete this account below : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Amerisave on XX/XX/2020 to refinance my home loan. We did not want to take money out of the value of the house. We requested 15 year fixed low interest rate. All the paper work was completed in XX/XX/XXXX. Then the excuses began. 1st could not go forward without a home appraisal when in XXXX that requirement was waved with the loan originator. So we agreed to have the home appraised as long as we were credited the fee back in the close of the house. We had agreed to go with Amerisave BC the home appraisal & fee was not a requirement to refinance. It took until XX/XX/XXXX for the appraiseXXXX to come to the home and do the appraisal. Then it took the completion of the appraisal paper work to be returned until XX/XX/XXXX. We were asked again to summit a third proof of pay check which we did on XX/XX/XXXX. Now after additional week we have yet again to move forward in the process for closure of the loan. And no one with return phone calls or emails. So I am fed up. I am reaching out for your assistance. I am asking that we be refunded the XXXX we paid for the appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo dealer services repossessed my travel trailer. This was a voluntary repossession on my part. I became permanently XXXX. I am XXXX % service connected XXXX and receive XXXX, I could no longer afford the payments. After repossession however under XXXX state law I was suppose to receive notice of sale in writing, which I was never provided. Wells Fargo Dealer Services has been unable or unwilling to provide proof of notice. This is a violation of law, therefore Wells Fargo must cease all credit reporting of this account on my credit reports, it must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.

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 2016-02-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : 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 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 2022-10-14
Company: EQUIFAX, INC.
State: OH
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:
i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

equifax is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Using a debit or ATM card

Complaint:
An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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:
IV'E FILED A COMPLAINT WITH THE FTC # XXXX AGAINST EQUIFAX FOR VIOLATING SECTION 609-811 OF THE FCRA FOR FRAUD AND REPORTING ERRONIOUS INFORMATION ON MY CREDIT REPORT AFTER SEVERAL ATTEMPTS TO GET THEM TO DELETE ITEMES LISTED BELOW : ACCOUNTS- ATTORNEY GENERAL, XXXX, XXXX XXXX XXXX , XXXX XXXX AND XXXX XXXX. 

IF THE STATED ACCOUNTS ARE NOT DELETED IMMEDIATELY I AND PREPARING TO LITIGATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.

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 2022-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.

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 2021-01-15
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

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 2021-10-03
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.

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 2016-02-25
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FMS Financial Management Solutions, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of a so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When a significantly reduced judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, FMS Financial Solutions has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are in violation of the Fair Debt Collections Practices Act ( XXXX XXXX XXXX ), especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was doing transaction via XXXX XXXX and the buyer send me email which looked like email from Zelle that transfer {$450.00} from buyer cant be processed because of the limit in my Zelle profile. I am not familiar with Zelle transactions. Email said the buyer has to send another {$450.00} which needs to be refunded by me right away to clear the transfer. Soon after I received another email from apparent Zelle about another payment {$450.00} which needs to be refunded right away to clear full transfer of {$900.00}. Person on XXXX provided me with her Zelle account for refund transfer. I did refund transfer of {$450.00} and received another email from fake Zelle that I have to do another refund to receive my money. Thats when I realized I was scammed and called my bank XXXX where I have checking account hooked with Zelle. Customer Service told me nothing they can do because Zelle doing payments to authorized and familiar individuals. Zelle customer service is not answering. Please be aware and vigilant

Company response to consumer: Closed with explanation