BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-03-08
Company: AMERICAN ADVISORS GROUP
State: DE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have our car loan through US Bank. Every month we pay the note through Bill Pay at our bank which is XXXX. US Bank called us three weeks ago to tell us we are late. We conferenced in our bank. Our bank faxed a copy of the check they sent them which was endorsed and deposited. Three weeks later, US Bank is still dunning us even though they do note our account is being researched. Twice my bank talked with US Bank to show that the payment was received and deposited. I have a very good credit score and fear their ineptitude will mar it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I purchased gas on XX/XX/2016 from a XXXX XXXX XXXX in XXXX Tx. I paid {$30.00} at the pump. BBVA Compass Bank deducts the amount from your account as soon as you make a purchase, even if the company you are purchasing from gets their money right then or not. Today, XXXX XXXX 2016, they deducted the same amount AGAIN for that purchase. I called the bank and ask why did Compass Bank deduct the same {$30.00} from my account, I was told they only deduct one, but when you use your check card to make a purchase, they deduct the amount right then with the remaining balance above showing what you have just spent, even if the company gets their money right then or not, Compass Bank will show they have all ready deducted that purchase. XXXX XXXX, 2016, I checked my account that evening and there was nothing pending. I had a balance of {$20.00} in my checking account, so I online transferred {$50.00} from my savings to my checking giving me a balance of {$70.00} with nothing pending or in process. I called the bank when I seen this on my statement. I was told to show them XXXX of the same purchases. How can I do that when Compass Bank erases the first one and only showing you the one they want to. I just gave Compass Bank {$30.00} of my hard earned money. this is not the first time I have called Compass Bank about the same thing. They do n't do it back to back, they wait a few months in between to do this. I have a family to raise, and I watch every penny. I check my on-line statement everyday and will call when i see something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. 

I can not believe that they are doing something that is illegal.

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 2022-12-14
Company: WELLS FARGO & COMPANY
State: PA
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:
This is in reference to dispute case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unaware my XXXX and XXXX were stolen until reviewing a notification from Wells Fargo saying I was overdrawn on XX/XX/. I disputed the transactions. XXXX Wells Fargo denied the claim citing no evidence of fraud. I did not have my card. I ordered on line from merchants that already had my card information stored to have good delivered to my XXXX visiting for the weekend in my home. These transactions were all made in person including an atm withdrawal. Whoever had my XXXX had to have gotten my pin from my notes in my XXXX. I have my XXXX password/pin written down and I used the same pin for just about everything. They had to have viewed the pin. This is going to cause me great hardship and I thought I was protected. All the items on the screen shot are fraudulent except the XXXX XXXX XXXX XXXX and XXXX XXXX which were pre authorized ACH debits.

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 2016-03-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My HELOC loan was transferred on XX/XX/XXXX to a new servicer BSI Financial Services from XXXX  XXXX XXXX. 
XXXX XXXX XXXX sent loan statement closing balance of {$60.00}, XXXX on XX/XX/XXXX for the {$150.00}, XXXX HELOC at 3 % adjustible interest rate. 
Minimum payment for XXXX PRIN and INTEREST {$700.00} plus ESCROW PAYMENT {$190.00} or {$900.00} was my TOTAL mortgage payment for the month of XX/XX/XXXX or my REGULAR PAYMENT approx {$900.00} from XXXX XXXX XXXX as my previous Loan Servicing. 
Never got return call nor email from XXXX Loan Manager who handle my account XXXX XXXX when i requested correction on my FIRST BILL or TEMPORARY PAYMENT COUPON Amt of Regular Payment {$25.00}, XXXX YES XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX DOLLARS and XXXX cents Loan # XXXX BSI Financial Services when transferred on XX/XX/XXXX from XXXX XXXX  XXXX. 
The customer service gave my account manager XXXX XXXX phone XXXX XXXX XXXX ext XXXX its almost 2 weeks XXXX XXXX never send another co bill with CORRECT AMOUNT for my Regular Monthly Payment. 
Is this BSI STRATEGY to lure consumers for LATE PAYMENTS or FORECLOSURE by IMPROPER HANDLING and INCORRECT BILLING on Loan Transfers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
They stole XXXX $ from my account that was deposited and accepted and processed time after time. They refuse to provide proof of their sending back the funds to the issuer of the money order when the tracking number in the issuers site appears to say money order cashed and processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Prince Parker & Associates
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for your inquiry. The account in question was placed with PPA XXXX. Validation notification was sent to the address presented with no mail return. 

XXXX XXXX requested a copy of the bill XXXX. The bill was emailed to XXXX XXXX XXXX. 

XXXX XXXX contacted PPA via phone XXXX and indicated he disputed the account in question. PPA placed the account in dispute status and no further collection activity has been made. 

XXXX XXXX contacted PPA via email XXXX with his dispute information and the dispute was filed with XXXX XXXX XXXX on the same day. PPA responded to XXXX XXXX 's email dispute and indicated the account was documented, the dispute was filed with our client, and it could take up to 90 days for our client to respond. 

XXXX XXXX contacted PPA via phone XXXX once again indicating he is disputing the account. 

To date the account in question remains in dispute status. XXXX XXXXXXXX XXXX dispute has been filed with our client, verbatim, PPA has provided all documentation as provided by our client to XXXX XXXX, and currently our client has not responded with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been garnished for 6 years at XXXX $ from my social security benefits monthly. My original debt was XXXX XXXX I did the math recently and came up with XXXX $ back in XXXX. The collection agency in charge of my debt. Has out of that number taken XXXX $ in fees with XXXX roughly going to the actual debt. I checked the max amount they can legally take is 40 % of the original debt. According to mine and theirs math they have taken 90 % of my original debt in fees. I am XXXX and I am pretty sure what they are doing is illegal. I would like to have the rest of my student loan debt discharged seeing as how they have already taken almost the entire amount of my debt in fees, and I AM XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Home Loan was sold to AmeriHome Mortgage Company from XXXX. Payments were to being XXXX XXXX to AmeriHome. In the meantime, I was making payments to XXXX and partial payment was already sent out to XXXX since I did not get the notification until XXXX. I then called Amerihome to introduce myself and find out if they want me to cancel that partial payment to XXXX or continue to let it go through - in which XXXX would then forward it to Amerihome. On the phone, the rep from Amerihome told me that they do not accept partial payments unless I fill out a form, but that they would accept it as a XXXX time courtesy. 
XXXX forwarded this payment to Amerihome XXXX in which Amerihome still has not posted to my account with my other partial payment to form a complete payment. Amerihome has sent me a check made payable to XXXX XXXX ( XXXX XXXX ) which I could not cash. They asked me to send them the check back so that they can investigate in which I did immediately. I called them and they have no idea what is going on. I spoke to a gentleman named XXXX four week ago who assured me that they have all money and things will be fixed in my account. Nothing was ever posted. I receive delinquency letters and threatening voicemails from Amerihome constantly. I have missed work, I am out money and have so far documented 18 hours on the phone with them - including a Supervisor named XXXX for two hours two weeks ago ( beginning of XXXX 2015 ) who assured me that she would handle it and yet nothing is fixed. I should be up-to-date until XXXX XXXX, but it is showing delinquent and I will be assessed fees for them to have to come out and inspect the home! This is TOTALLY unprofessional and completely stressful. My husband is going for XXXX XXXX jobs, we both have XXXX credit scores and this can be detrimental to our future. Currently, I am out hundreds of dollars of lost wages not including the XXXX damages of them possibly putting us in foreclosure and worrying about my children! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: PA
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:
Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation