BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar is not posting HAF payments. The last payment posted was XXXX, prior to that it was XXXX. 
They are mishandling funds.

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 2023-02-16
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Wilber and Associates, P.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a car accident on XX/XX/2021. I was rear ended and pushed into a car in front of me. I had insurance and all of my information, as well as the other parties involved, was listed on the police report. This company continues to spam call me, my girlfriend and my extended family members. They sent a letter to my parents home. I was not at fault in this accident and I was insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022 THE HUNTINGTON NATIONAL BANK, received a Right of Rescission letter stating Congressional findings in regards to Title 15 U.S. Code 1635 Right of rescission as to certain transactions. THE HUNTINGTON NATIONAL BANK then replied, stating '' that the request to rescind the loan referenced above can not be honored '', we received this letter on XX/XX/2022. To be clear, we are stating that this account be rescinded, we are not requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reported as Harassment and Theft, Police Report XXXX Bank of America seems to have a habit of not giving me my money back, even after the vendor has issued a refund. I feel harassed. I am showing charges for XXXX for {$47.00} each on XX/XX/2022 and XX/XX/2022. I was contacted immediately by Bank of America to confirm that the charges, which were made on the same night, were valid. In fact, they froze my card until I confirmed the 2nd transaction via text. However, when I was unsatisfied with the product and asked the vendor for a refund, the vendor promptly responded by approving 2 refunds of {$47.00} on XX/XX/2022. However, as of XX/XX/2022, Bank of America still has not refunded that second refund of {$47.00}. In fact, when I called to ask about it and dispute it today, XXXX ( approx 10 days after the vendor issued the refund ), I was told that it could take up to 10 business days for Bank of America to process my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In accordance with the Fair credit reporting act XXXX  to lendmark financial services has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Waiting for the mortgage company to apply HAF payments that were sent XX/XX/2022 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 2023-03-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions!

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX I took out a home equity line of credit with Wells Fargo. and XXXX when I lost my job I call Wells Fargo to take a loan modification now which I was approved for 36 months I continue to pay my mortgage equity line of credit and tell modification ended and my payments were back to regular amount. I was told that if I didnt pay {$12000.00} upfront they was going to foreclose close on my house so XXXX I file bankruptcy on the XXXX that they said I owe and XXXX my husband passed so I tried to do another loan modification. I was denied. In XXXX, They came back and said I had mess mortgage payments from XXXX to XXXX which I hadnt miss any mortgage payments. My maturity date was on XX/XX/XXXX but Wells Fargo came back to me and told me I still owe {$20000.00} at the end of my maturity date with not give me any reason why from this day I end up selling assets to get the money to pay them off in XXXX because they gave me a new maturity date with any explanation to be XX/XX/XXXX. I feel like Wells Fargo did not on my bankruptcy which they paid the money because they said they did not get any money for bankruptcy. I was trying to figure out if there was any information out there that could help me with my case and recovery the extra money that I feel like I do not owe. 
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 2023-02-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Genesis Credit Management/ Columbia Debt Recovery requesting information about a collections debt that was placed on my credit but I was never advised I owed an amount. The XXXX XXXX rep XXXX advised there were emails sent to XXXX but there were not any emails sent. XXXX then advised due to COViD in 2020 all collections attempts were paused. They did not receive my debt until XX/XX/2020 so there were no collection attempts after an employee advised there were and the balance has gone up since it hit my credit. I was told over the phone by XXXX a XXXX XXXX agent that she would not do a direct dispute due to me not being their customer. I am trying to rectify this account but the company is not giving me the ability to do so. 
They are also showing on my credit twice as two different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was seized on XX/XX/2023 from the private parking lot of my employer while I was working with no prior notice. I had been unable to make the full payments to Ally Financial for a couple months, but had been making reduced payments every month so, having not heard from them, had no idea my account was in jeopardy of default. It wasnt until After calling the police to report me car stolen, that I found out it had been repossessed. 

I called Ally on XX/XX/2023 and they provided me a quote of {$2400.00} and wiring instructions to bring my account current and release my vehicle I wired the money to them directly from my bank on XX/XX/2023. 

On XX/XX/2023, the Ally agent confirmed receipt of the {$2400.00} but would not process release of my vehicle. They then proceed to tell me they will not release my vehicle unless I pay them another $ XXXX. When I asked to speak to a Manager, the Ally representative told me that perhaps if I were a married woman then my vehicle may not have been repossessed. Horrified, I hung up the phone a dialed back in, hoping to get a different agent. I have been on the phone with Ally for hours over the past several days. Each time, there is no path to escalate or resolve. 

To date, XX/XX/2023, I have not been provided with the location of my vehicle or any information on how to retrieve my personal property from it. 

I had to XXXX home from work on XX/XX/2023. I have had to rent a car from XX/XX/2023 to date XX/XX/2023. I had to call out of work on XX/XX/2023 because my work laptop is in my vehicle and will probably miss work again tomorrow if I cant at least find out how to obtain my personal property. I paid a wire transfer fee on top of the {$2400.00} quote in order to have my vehicle released as promised. 

Ally misrepresented themselves when providing the initial quote. They provided XXXX communication prior to illegally seizing my vehicle. They have failed to provide the location of my vehicle so that I can collect my personal property. This predatory and misleading practice has caused me significant financial and emotional harm.

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 2023-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}

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 explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
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 have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX, XXXX, equifax about thois manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Applied Online with a Website that Found a Lender I Could Borrow With, I Was Immediately Approved for an {$1100.00} Loan, However I " Wasn't '' Made Aware While Online Or Even When Someone Reached out To Me Via a phone call Telling Me he Was Calling Me from Lend u mo and Went Over Details of the Loan, and he Sent Me Loan Documents to Sign he said, 'But '' I Was " Never '' Made Aware While Online and During the phone call that " Lend u Mo '' Is a XXXX  American XXXX  Or that The APR Would be as Exorbitantly High As It Is Also!!!!!! Had I Been Made Aware that the {$1100.00} Loan I Was Approved for Would Result In My Repaying Lend u Mo {$5000.00}, I Would Had " Immediately '' Had Canceled the Loan. I'm Aware that My Credit File Isn't Great Or Even Good " But '' To Be Taken Advantage Of " Because '' Of this Is Wholly Unfair and Deceitful!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent a {$62.00} charge to collection agency credit management however, I do not owe them. They actually gave me a credit because I did not owe them this amount. It was their error. I went through the chain and reported it to the credit agencies contacted the credit management and XXXX XXXX they were like no you dont owe anything it got deleted from my credit report on XX/XX/ and then got put back on XX/XX/23. I called XXXX  today XX/XX/23 and they asked me to three-way call credit management the collector and include them in the phone call so they can let them know that there was no debt. They said they sent the letter showing nothing was owed and for account to be removed from all credit bureaus on XX/XX/23. I said I understand however it got removed and put back on my credit report XX/XX/23 They would not listen to what I was saying and was rude to me. I asked to be mailed copy if letter sent to credit bureaus.so I can submit with another dispute. We shall see if that happens. This has dropped my credit score 30 plus points. Considering I didnt owe this and it was XXXX error to even send to collections and the fact that XXXX  sent me a credit this is wrong. Very wrong. Someone should be accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amazon store card, asked if I would like to enroll in an assistance program. Simply stated that I would pay a reduced monthly fee, did not make it clear that this would be a settlement, would close the account, negativity affect my credit score, etc. Tried to see if account could be reopened ( it has been closed less than a week ) and payed off, they said it was not an option and that this was permanent and that it was clearly disclosed to me ( it was not ). They were very misleading about the consequences and simply made it seem as if they were offering reduced monthly 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a wells fargo loan on a XXXX XXXX  XXXX, this loan was originally taken out in the beginning of XXXX. It was originally in XXXX  and I had to move to XXXX  XXXX  due to monetary issues, I contacted Wells Fargo to arrange a payment plan and all they said, sure, sure give us your new information, address and so forth. And immediately they sent a tow truck to take the vehicle away without any warning. I had to pay a bunch of money out of pocket that I didn't even have to get it back out. A couple months later they did the same thing, without warning took the vehicle away and I just left it as that because there was nothing I could do since It got taken away a second time, I would have to pay off the entire loan balance.

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 2023-02-16
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was placed on my report on XX/XX/2021 before I was given the opportunity to dispute it or pay it. The company did not send a letter explaining anything until AFTER it was placed on my report. My rights have been violated and my credit profile has suffered because of this. I have attached proof that this account was placed on my report BEFORE I was notified. Also, my request for a signature or proof that I was a tenant at the time the gas was allegedly used, was ignored. My lease wasn't renewed so as of XX/XX/2021, I was no longer a tenant and my services with XXXX XXXX XXXX were non existant. I also included the screen shot of the deletion and illegal reinsertion of this account. I wasn't notified by Diversified Adjustment ServiceXXXX about that either. All of these violations calls for an immediate deletion from all XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
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:
Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Midland credit managem Account Number:XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation