BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. 

Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. 

This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : DiTech Financial LLC Acct # XXXX To Whom It Concern, I am filing this complaint in regards to the DiTech Financial account ( # XXXX ) that is reporting on my credit report with a past due status. I do not understand why DiTech is reporting this note as active. They have failed to demonstrate any ownership of the note or be able to provide proof if they are the servicer or note holder of this alleged debt. Please note the missing original pages noted with the contract copy. 
This loan was originated XX/XX/XXXX by XXXX XXXX XXXX, XXXX. The loan was for a XXXX XXXX manufactured home that was purchased XX/XX/XXXX. 
Please see the attached Title from the State of Michigan dated XX/XX/XXXX reflecting " no secured interest on record ''. There is no standing for any active loan to be collected on. 
I am respectfully requesting a complete removal of the DiTech listing on my report. It appears they may have acquired this loan by error. Please reference all attached documentation and dispute response from DiTech Mortgage. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was under a loan modification. I was assigned a Home Preservation Specialist. I paid all modified payments as agreed. Document dated XXXX/XXXX/16 presented the outline of the permanent modification terms, including line XXXX. " Escrow shortage payment ( if applicable ) {$23.00} ''. My loan preservation specialist explained that the modified loan would do just that, pay the escrow in arrearage. The fact that an amount was populated, acknowledged by Wells Fargo that there was an arrearage and they declared that arrearage amount to be XXXX. I was given new payment amount and under these pretenses I signed and obligated. In fact the loan packet was sent twice and signed XX/XX/XXXX to be retro effective to XXXX XXXX. It is recorded and in effect. XX/XX/XXXX is my first month of payment since the signing and the Home Preservation Specialist no longer takes my call per not on his caseload any longer. Today I received an Escrow Account Disclosure Statement and Notice of New Mortgage Payment. I am being billed for the escrow arrearage that they did not capture, nor inform me of, nor bill me for, nor roll into the new loan for {$1300.00} and increasing my loan amount due to their error. My option is to find the funds and pay up front or increase my monthly mortgage payment immediately after signing a modified loan agreement. This is a misleading and fraudulent representation and I can not get anyone to own up to it. A supervisor in customer service was able to help me identify the error that Wells Fargo made, but he is not in the capacity to change it. I feel that if Wells Fargo stated in my preceding introductory documents that my arrearage was {$23.00}, and they reviewed through underwriting on multiple occasions, and I was lead to believe my loan payment would be {$950.00}, I do not believe it is my obligation to immediately increase my payments. This is fraud and misrepresentation. XX/XX/XXXX was when they processed my paperwork, and XX/XX/XXXX is the first month without representation from home preservation specialist. and is the same month that they hit me with a new increased amount. Note the attached XXXX XXXX, 2016 letter congratulating me on the processing of the modification. Immediately they change the terms. This is fraud!

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 2022-11-19
Company: Bepensa Capital, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On or about XX/XX/2022 I applied for an auto loan with XXXX XXXX XXXX and the company went through a bank called Credito Real USA Finance LLC. During this consumer credit transaction, I was asked for a down payment, there was a hard inquiry on my credit report. On XX/XX/2022 i completed all paperwork and was told to pick vehicle up Friday XX/XX/2022. all paperwork was finalized and loan was completed. On XX/XX/2022 I received a call from Credito Real USA Finance LLC and received threatening calls about if I do not bring vehicle back there will be legal action. The bank credito real USA Finance LLC was in violation of 15 USC 1662. The Fianance Bank Credito Real USA denied my loan. Their reasoning was beaceuse my employment couldn't be verified. I have already left the dealership with the vehicle. Employment should have been verified during loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/2020, I deposited a check into my XXXX XXXX account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at XXXX XXXX and it comes back counterfeit once again. XXXX XXXX says they won't report anything in my Early Warning services that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my EWS report and see XXXX XXXX reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my XXXX XXXX account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my loan.

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 2015-10-30
Company: First Associates Loan Servicing LLC
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother had a business account with Wells Fargo for her business XXXX XXXX. My mother passed away in XX/XX/2021. Since she passed away, the estate including this business account has gone through probate. My sister, father and I jointly inherited her estate. Georgia court has signed the final PET order stating this. However, Wells Fargo have blocked the bank account refusing us access to the account even though we provided all the required documents from Georgia court and the probate firm. We also provided personal documents to identify and confirm who we were. I have a checking account with Wells Fargo so the bank already has my profile. We made a complaint and this was supposedly escalated to the executive team. Yet, Wells Fargo refuses to allow the rightful heirs access to the account. In the meantime, my mothers property business suffers. We are unable to pay for the repairs and maintenance of the properties. We lost out on two offers for the purchase of one of the properties because the buyers needed a business account to make payment and the company account was blocked. The experience with Wells Fargo has been very traumatic adding extra stress to a family mourning the loss of a loved one. We also feel we are being discriminated against because of our race.

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 2016-09-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Other

Complaint:
I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.

Company response to consumer: Closed with explanation