BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Clarity Services
State: TX
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:
Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX, unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Exeter Finance Corp.
State: LA
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:
Ive made several attempts to try to come up with solutions working with the finance company of my car. When the pandemic hit I was without work awhile until my unemployment started to activate. Exeter Finance approved a 2 month extension on my loan but would call me 3/4 days later asking for a payment, furthermore started reporting me as being late. As early as last week when I called to make a payment on the 19 they informed me I was 93 days passed due when my due date is the 20 and I owed {$2100.00} and three days prior they told me {$1000.00}. As I explained that was inaccurate the rep says Im 4 months behind which is inaccurate. I dont plan on doing business with this company past the end if the year Ive been truly disappointed with the communication and the erroneous information theyve been reporting on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My family was recently affected by XXXX. We entered into a forbearance period with our mortgage provider. Upon ending the forbearance period I applied to the XXXX assistance program. After speaking with my XXXX case XXXX, they stated that in order for them to issue a payment to my mortgage servicer they had to be enrolled as a participating partner. After speaking with customer service reps from my mortgage service provider, they stated if they were not a participant then it was above their pay-grade to make that decision and couldn't help. 

I'm not sure what to do next... I don't want to lose my home because my mortgage service provider does not want to accept payments from the XXXX assistance program...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: PLS GROUP, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired me.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/XXXX Informed Bank of America and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I need help with PNC, I called to ask for the fees to be removed. I was asking for them to remove 70 % of the fees, and I would pay the rest. I don't want to be owing to the bank, they closed my last account and this is the only account I have left. The fees are way too high.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I had paid off my mortgage at a local branch of the servicer of the loan XXXX XXXX where I held a {$100000.00} money market account and paid XXXX to pay off the mortgage. The original lender was XXXX XXXX XXXX. In XX/XX/XXXX Wells Fargo called me to inform me I was in default on my loan and said they had purchased it from XXXX  XXXX. To make a long story short I was not able to resolve the problem to prove the pay off and for several years I paid Wells Fargo between 40-50,000.00 dollars in payments and they foreclosed in XX/XX/XXXX on a mortgage they did not own. I also had a checking account that they seized for a debt that I owed them 10 years prior. Then 6 years later I was returned the {$7500.00} they seized by the Nevada State Treasurer as unclaimed property.

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 2017-08-17
Company: LEXINGTON LAW FIRM
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was exploring about purchasing a house and I called a person I knew at XXXX XXXX XXXX XXXX to inquire what I needed to get the process started and I was assured they would pull a soft inquiry and now it seems they pulled a hard inquiry using XXXX XXXX ( XXXX XXXX XXXX ) who on their website pride themselves are bring mortgage companies more closing. I have sent dispute letters on several occasions to XXXX with no success. 
XXXX XXXX XXXX from XXXX XXXX, 2016 XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Thank you for any help you can provide.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
During a recent trip abroad, Bank of America placed an unexplained hold on my credit card. We had been using it successfully for about a week then, on XX/XX/XXXX, the company blocked a payment I made on it as I had been nearing my maximum. However, they did not return the amount to my checking account. This meant I was missing {$2000.00} from my checking account and was also blocked from using my credit card. The company said there was no explanation and there was nothing they could do to override it. I would have to wait 7 days for it to be lifted. Being in a foreign country, this was extremely concerning. We were able to use my husband 's debit card instead, but I felt this kind of thing should not happen to leave Americans in foreign countries potentially without any access to their money. We asked to speak to supervisors and the social media team contacted the company on our behalf, and were told the same thing.

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 2022-07-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to RightPath Servicing from XXXX XXXX last month. I created a login for Rightpath Servicing 's website to review my account. I just reviewed my account balance and noticed a charge for {$59000.00} in lender paid expenses. I attempted to reach a solution with Rightpath but was disconnected repeatedly. 

The company does not have an email address for me to send this request to so I'm filing a complaint due to the verbiage in the transfer papers that stated if the balance is incorrect and not disputed in a timely manner then the debt is assumed by the customer. My original XXXX  loan amount was {$210000.00} at closing on XX/XX/XXXX. My current unpaid principal balance is {$140000.00} as of XX/XX/XXXX. I recently was approved for the XXXX XXXX XXXX XXXXXXXX and received {$47000.00} which cleared my past due balance due to XXXX. The loan payoff as of XX/XX/XXXX is {$210000.00} which makes no mathematical sense. 

There were no lender paid expenses paid on my behalf. I'm requesting this amount be removed from my account immediately. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
on XX/XX/2021, i sent TRANSUNION a letter about some inaccurate and old items reporting on my credit report, i have sent the letter off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and i have not heard from them nor have they delete any of the inaccurate items they are reporting.

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 2017-08-17
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: Public record information inaccurate

Complaint:
I disputed a tax lien on my credit on XXXX XXXX 2017 that I had no knowlege of and ask Equifax to remove it or provide me with the proper information about the lien which included all paperwork with my name, ss #, address, state id, and signature they did not provide any paperwork. They said, did an investigate through a third party XXXX  which in turned had no proof either. I ask them to please remove off my credit report because it was causing adverse affects on me get a job or a bank account. I went personal to XXXX County Clerk Office XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX which I do not live in and ask a clerk about the information and they said they could not give it to me if I was the person. I ask is there a social security number on the file they said no, it against the law to put on any document. So, I confused about their proof of who this tax lein belongs to and would ask the remove it off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX  XXXX {$12000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my Transunion, XXXX and XXXX Credit report

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: WELLS FARGO & COMPANY
State: TX
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:
Back in XXXX XXXX I submitted complaint XXXX against Wells Fargo Dealer Services for inaccuracies on our account. On XXXX XXXX they clearly printed there response to our case and due to the outcome of our evidence. They decided to no longer pursue this debt. And said it would be wiped clean and reported to all 3 credit agencies and off of our credit report within 30 days. Today is XXXX XXXX, And today we received a notice from XXXX stating they were n't removing the debt off of there and it would stay on until XXXX. We are having the same problem with XXXX regarding this account. They refuse to remove it. I have submitted the paperwork showing that indeed this debt is not valid anymore. And it clearly states in the letter that it will be removed off of all 3 agencies. We have already tried our part with the agencies by faxing over that letter. And they still wo n't respond or just give a general vague response. XXXX removed it very quickly. And we are n't going to keep going back to the other agencies. Overtime we do that they start a new case and use that crutch for another 30 days to resolve. Right now there are 3 separate cases with transition and they are all regarding the same debt and issue. Same with XXXX. They say upload the proof to them on there site. But the site will not let you upload the docs. Both companies have verified on a recorded line that I have in my possession that they indeed receive all of the info But again keep using there 30 day cushion window to keep messing with our credit. Its been beyond the 30 days from the time this letter was typed up. We were told end of XXXX is the allotted time period. We are almost in XXXX. It is not our job as the consumer to chase down and talk to the 3 agencies and spend hours on hold. To get a debt removed that the company has clearly said is not a valid debt and they have also said that all 3 agencies were already notified and should be done by XXXX XXXX. Our job was to jump through the hoops and get ourselves our debts paid and removed. They are in direct violation of FDCPA laws. And at this point we can start seeking damages that are related to this matter.And any other violations that fall under the FDCPA laws that pertain to this matter.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: MA
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 am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-12-19
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We set up our mortgage with Loan Depot in XXXX of 2020 for XXXX XXXX XXXX XXXX XXXX WA XXXX. We made the XXXX and set up AutoPay. The agent assured us it was set up. In XXXX of 2020 the Autopay was still not pulling we made a phone payment to stay current while the company " figured out '' why the AutoPay was not working. In XXXX of 2020 AutoPay had still not been worked and did not pull the money. We called in at end of XXXX and the rep told us to wait till the XXXX payment because the Auto pay would pull and if we made a payment it would mess up the auto pay. To our dismay this was not true and the Auto Pay was still not working and we ended up with a 30 day late. When we contacted the company they refused to fix this error in reporting since their rep told us not to make that payment. We contacted XXXX credit reporting with no success. They simply parroted what the company told us. If there was actual discovery then the company would see that we had been attempting to set up auto pay. The problem was on them and that their rep told us to hold on payment in XX/XX/2020 as our Autopay was in the system and was supposed to work. It didn't, now we have a late payment. They should give us a refund for the late fee they assessed as well. ( {$54.00} ) I wish companies would just own up when they make a mistake. I just want them to fix the error in reporting 30 day late from XX/XX/2020 and refund my late fee. 

Secondly, they are double reporting my mortgage. This however is just a clerical error I am sure but it would be nice if this was fixed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Was not notified of investigation status or results

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
XX/XX/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.

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