BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MA
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:
I am currently within a XXXX  XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( XXXX XXXX, Experian and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and XXXX is NOT reporting these payments.

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 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 tried to dispute negative information being reported to credit bureau XXXX, XXXX and XXXX regarding an account that was opened with XXXX XXXX Bank, Capital One Bank and XXXX XXXX XXXX 's Credit Card that does not belong to me. I want this account removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC 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 2016-02-18
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
my equity loan from XXXX was automatically transferred to the XXXX XXXX XXXX now called Specialized Loan Servicing LLC in XXXX, CO when I declared Chapter XXXX in XXXX. The agreed upon payments were {$95.00} each month and I never missed a payment. In XXXX the agreed upon payments were $ XXXX/month and I was able to make two payments each month of {$100.00} and have never missed a payment. In XXXX XXXX I received a notice of being in behind on payments by several hundred dollars. My monthly payment inexplicably increased to {$470.00}. I called several times and no-one could explain anything except I was behind in my payments. Fees were attached and now they claim I owe XXXX. A notice to foreclose was mailed to me and notes from field inspectors have been left on my door knob. I have continued to pay {$200.00} mo

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 2015-03-20
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I am a veteran from the XXXX XXXX, and I am unemployed at this time because of my injuries from the military and other XXXX issues. My mortage holder forclosed on my loan because of accounting errors on their part and applied forced insurance amounts to my account statements and spread sheets when we already have our home insured thru State farm insurance agency. We would make payments to the mortage company and they would in term send our payments back or would deny that they receive them at all. We are doing the best that we can with making our payments on time but it is very hard to do with our lender threating us with forclosure notices. We have been back a forward with them trying to resolve serious issues with them we have not came to a favorable conclusing at this time. We think that our mortgage company has fail to follow appropriate billing and accounting practices with our homeowners loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}

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 2022-02-24
Company: Receivable Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with RECEIVABLE RECOVERY LA and I do not have a contract with XXXX XXXX  XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a fraudulent charge for XXXX {$200.00} gift cards was put on my credit card. Previously in XX/XX/2021 the same thing happen and it was cleared up in XX/XX/2021 in my favor. I did not make this last purchase. I had XXXX check on it and they said it was cleared up in my favor. I heard nothing from Synchrony bank for XXXX months. Then i get a bill for {$580.00} for these gifts cards. They also ruined my credit which stayed around XXXX to XXXX have filed with XXXX and the bank again and not heard from them yet.

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 2016-08-17
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-08-29
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage I was in a loan modification due to Covid. When loan came out of modification I was reported as being late because they increased monthly payments after the fact and made them retroactive. Per agreement I was to make payment of XXXX every month starting in XX/XX/XXXX. I made payments of XXXX. For XXXX thru XXXX XXXX XXXX XXXX they did an escrow review and determined I was short and increased payments to XXXX. Retroactive to XXXX if escrow wasnt caught up. On XXXX XX/XX/5804. Was made to escrow but they still increased payment and made it retroactive. The XXXX. That I had paid over the 6 months was held in suspense until modification accepted by VA. In XXXX they applied the funds at XXXX vs XXXX which left me XXXX short for XXXX and they reported me late. Even though I met all requirements of loan modification they refused to accept they made mistake so now not only am I late by 28 days by XXXX. I owe an additional XXXX. Now for XXXX. This is completely unfair and not within terms of agreement and they will not assist or help me to correct error - I have email and called multiple times but am told no one can help me. To make matters worse in process when rates were historically low below 3 % they increased my rate during modification and loan amount by over XXXX. Today we owe more, at a higher rate and am now being reported as late on our payments and unfortunately we have no method to assist/correct situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: World Acceptance Corporation
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.

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 2020-09-28
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased my vehicle from Hyundai on XX/XX/XXXX. I moved to XXXX  from XXXX  and registered my car. 

I log into my account to make my payment for XXXX and see an amount due triple my normal car payment. 

I called Hyundai to find out what was going on. I was advised that I have to pay taxes for the state of XXXX   since moving.

I understand that I have to pay the taxes for XXXX. I am asking for help. We're in a pandemic and Hyundai advised me they can not make payment arrangements for lease consumers. I have been able to make my payment every month during this pandemic. I can not afford to pay {$900.00} in taxes by XX/XX/XXXX. 

Hyundai refuses to help, they will not even split the payment up. I did not receive a bill or notice of this tax amount needing to be paid. Nor it is on my monthly statement. So now I will lose possession of my vehicle because I am the only person paying bills in the household. I don't have an extra {$900.00} for taxes. I would appreciate being able to make this payment split into a monthly payment or over the remaining duration of my lease. 

It not fair that when I purchased this lease I advised to the salesman that I would be potentially moving to XXXX. He never advised that I would have to pay additional taxes in another state. I paid taxes up-front for the state of XXXX. This is unfair, I have been advised I don't qualify for help because I am leasing the vehicle.

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 2015-06-09
Company: NRA Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
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 request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.

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 2016-12-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank foreclosed on the home I am a tenant in. Wells Fargo gave conflicting information to me and the other tenants about whether Wells Fargo would settle with us in order for us to move out. First the bank asked us how much it would cost to get us to move, then the bank said " everything is on hold '' because the former owner is suing the bank. Wells Fargo has repeatedly said it would send a representative to the property to discuss the foreclosure with the tenants and give us information, but it has never done so. Wells Fargo is obligated to assume payments for our utilities, which are included in our lease. However, Wells Fargo has never assumed its obligation as the new owner of our home. We have received multiple shutoff notices for the water and electricity. Wells Fargo has refused to return our calls about the utilities or the status of our tenancies. We believe Wells Fargo intends to constructively evict us by allowing the utilities to be shut off. An attorney for Wells Fargo, XXXX XXXX, sent us a confusing notice about our tenancy, but has never returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submit a dispute to XXXX, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with XXXX customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After providing a mountain of documentation verifying both my income and that of my company the lender requested I commit mortgage fraud, see below. I explained our year ends XX/XX/XXXX and we have been working on getting XXXX finalized. Now I am to settle on XX/XX/XXXX- they want me state profitability and certify it with my signature, that is not possible until XXXX  adjustments are made. this loan has been in the works for 2 months and at the last minute they are telling me to commit fraud if I want the loan. 




From the lender : Good afternoon XXXX, So, in order to close on time, we will need a year to date XXXX XXXX XXXX from XXXX to now. This does not have to be a XXXX  certified document. A simple XXXX spreadsheet will do. In the past, we have had companies less involved than yours put it on a napkin before and signed and dated it and that worked fine. Not saying you have to do that but just making it clear that it doesnt have to be a CPA certified document. 

Just needs to show accurate profits and losses this year and needs to be signed and dated by you so underwriting can calculate it and give us the all clear. We will need this as soon as possible so we dont have to push back closing. 

As always, we are on your side and want to keep the process smooth. Let me or XXXX know if you have any questions! 



XXXX XXXX XXXX # XXXX Loan Consultant ( XXXX ) XXXX office ( XXXX ) XXXX cell ( XXXX ) XXXX fax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX

Company response to consumer: Closed with explanation