BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Ally and asked to add two to three payments on the end of the loan due to Covid-19 hardship. The rep kept saying sure but then would demand that I pay the full balance and no help. I then asked again and he said yes he would help and then demanded that I make a payment again. He kept agreeing to help then would demand a payment. I then asked to escalate it to a supervisor. He said sure but then didn't do it. He kept asking how much I could pay right then. I said I couldn't pay anything yet due to income loss. He then said he would escalate it XXXX this was the second request ), which again, he didn't do. He said he would send my request to a supervisor who would then contact me and help me. Guess what? No one has contacted me. We were on a chat for an hour in which he lied the whole time and kept demanding that I make a payment right then. I never got a supervisor to help me. I have had good standing with Ally until covid-19. The guy on the phone told lie after lie and then kept demanding payment.

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 2019-08-02
Company: TOWNE MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year, around XXXX we contacted towne mortgage in regards to a drastic payment increase. The payment was {$1000.00}, and increased to {$1800.00} with no warning or notice until this bill. We were informed the reason for the drastic increase was an increase in Insurance payments on XX/XX/2018 ( payment increased to {$4800.00} from {$1300.00} ) and we were NOT notified of this until we received the new notice for billing in XXXX. Upon them telling us this, we asked for options to help as we could not afford the current payment as it was more than one paycheck and we would be late every month cause this amount was not available to us. We were told to shop and change insurances which we did, finding a much cheaper plan at XXXX. We were told to get the refund from the old insurance and pay the new premium, which we did. We called and informed towne mortgage of this, and was told the payment would be adjusted when the account was reviewed upon receiving new insurance information. and the amount we had been behind in escrow paid off. It is now XXXX and I have contacted you'll again and nothing has changed. I was informed today however the reason it didn't change sooner as that we never sent in anything showing we paid insurance. HOWEVER you'll already have the new insurance information on file on your website, including when its due and how much!. My escrow however was NEVER adjusted to reflect this change. This has caused an undue hardship on our family, due to a constant struggle to afford the mortgage, and repeatedly receiving late fees as I do not make enough to make the payment in one pay period. I have spoken with you'll on a few occasions through the year, and was never informed this should have been fixed or how to. If my escrow account had been corrected when this was all discovered, not only would the stress of the situation have been resolved, but the late fees would have been avoided. We have accrued and paid you'll ( Towne Mortgage ) 100 's in late fees due to this error not being corrected to the escrow amount. we are demanding this be fixed immediately, adjusting the monthly escrow payment, and also expect a refund for the late fees due to this, as we made it aware to you'll multiple times over the past year we were unable to afford this amount, and NEVER was this corrected or told to us how to correct the issue. Currently our escrow is scheduled to be overfunded by the end of the year with the current payments, and with the expected new payment due to the amount already overpaid. We would like this refunded ASAP also.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
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:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  now.with no help.

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 2017-09-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is delinquent. I have repeatedly requested a loan modification from Wells Fargo Home Mortgage and have been denied without being given a full explanation for the denial. I have continued contacting Wells Fargo to no avail. Foreclosure is eminent. I am contemplating filing for Chapter XXXX bankruptcy protection, as well as other legal alternatives, in order to protect the property. A loan modification would better serve all parties involved but for reasons not fully explained to me Wells Fargo has denied my multiple requests. My concern is that if the foreclosure process proceeds I will also be responsible for paying the exorbitant legal fees associated with foreclosure proceedings making retention of the property much more expensive and difficult. I have expressed this concern with Wells Fargo Home Mortgage numerous times and have been told they will not suspend foreclosure proceedings as they have a right to pursue such action. I am consistently told I will receive correspondence in return only to be kept waiting. I have also received outside correspondence stating that my mortgage has been sold to a new investor. I have corroborated this information with at least one outside source. However I have received conflicting reports from Wells Fargo Home Mortgage as to the veracity of this information. In essence I am not being given a straight answer. I am left will few alternatives. I believe Wells Fargo Home Mortgage is in violation of the Massachusetts Consumer Protection Act as well as numerous federal statutes and am considering legal action in order to protect my rights and property. in exploring available remedies i herein file this complaint.

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 2022-07-19
Company: EQUIFAX, INC.
State: FL
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:
Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: OH
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 few months back for first time pulled my credit report and I seen that XXXX was on my credit report I have never got a account with them or appiled or ever even used them I disputed the account and they sent me a letter stating they investigated it and came back to me and I never received the method of verified information on how it would even be possible they could since I know I never opened this account! I also then sent my FTC report and they again sent me same letter the sent month or so before that they fount this is my account but never any information on how this is fount to be when I know this isnt my account. I sent them my ftc report and the FTC rights and still reporting and to top it off not only reporting a account that isnt mine but also reporting inaccurate information on my report for this account also. stating it is a closed account but keeps updated to different items and late payments which how can you have late payments on a closed account? This company is violation of my rights from me sending my ftc report. From never receiving their proof of how this is fount to be my account because no information was sent to me and also reporting inconsistencies information on my report on equifax. I will upload all the inconsistencies and also I sent them again a email with my ftc report. Stating last payments where made on one date and on another report a whole few months off on another for last payment when I know this isnt my account so I know Ive never made a payment to account never opened or knew about and also opened days of account inconsistencies and also closed dates are inconsistencies this account is violation of my rights and needs deleted now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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 the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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.

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 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello my name is XXXX XXXX. I am filing a complaint against CAPITAL ONE BANK I felt like I was blindsided by them, not being treated fair and they are not trying to give me the help I need. I wasnt able to pay my credit card bill two months into XXXX because the expiration of my visa. By XXXX of XXXX I call the bank because I didnt want to lose my credit card. I spoke to someone I honestly forgot her name she told me if I start paying the minimum which is XXXX I wont lose my account and they will take off the restrictions so my mom started paying the bill for me. In XX/XX/XXXX I paid XXXX and in XXXX I paid XXXX. I got a letter in XX/XX/XXXX stated my account is up to date. I miss the payment on XX/XX/XXXX, but just paid the bill in full on XX/XX/XXXX which is XXXX. My account still remain restricted. I call capital one and they are telling me because I paid the bill in full the. 
I cant use my card anymore the restrictions wont be lift and I need to throw away my card and the manager told me this. I was very frustrated because it was never stated in the mail they send me this will ever happen and even when I call no one said my card is not valid anymore. I still have access to this account so I was so confused when she said they wont be giving access to my credit card anymore. I paid the bill in full to save my credit card I didnt want to lose it, I kept in contact with the bank because I really didnt want to lose my card. My account is still open but it said its restricted. In the letter I have nothing state that when I pay my bill. The bank will take the money and the credit card. She kept on forcing me telling me they were warning me but its not true because I have all the letter and I kept in contact with the bank. She was forcing that it was stated in the letter and Im going to upload the picture theres nothing stating my account so shut down or I wont be able to use the money every again nothing like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Clark County Collection Service
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:
This is a follow-up email to Clark county collections to give them the evidence they asked me for XX/XX/XXXX thru XX/XX/XXXX plus XX/XX/XXXX/ XX/XX/XXXX I  was an XXXX at XXXX XXXX veterans hospital, undergoing my XXXX I needed to be at least halfway useful after my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Today XX/XX/2022, I called to Early Warning Services , LLC in order to get the results of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, and the result was set to be answered in XX/XX/2022, after one month of investigation. I called today to hear the result of the investigation opened on XX/XX/2022, and the agent XXXX, employee # XXXX told me that Early Warning Services was not going to give me any answer until I receive some envelopes that Early Warning Services sent me some weeks ago, and I returned them to the sender. This company is committing A RETALIATION CRIME against my person because I do not want to receive their UNEXPECTED MAIL. Early Warning Services is VIOLATING MY CIVIL RIGHTS rejecting to provide the answer of an investigation. This investigation is about a hard inquiry posted in my profile in a fraudulent way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed To answer my Debt validation letter, Reported debt to the XXXX XXXX without my permission. i do have the signed debt letter however its not scanned nto my computersi am sending a copy

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 2022-07-19
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:
I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX dated XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these items listed below, so please help me remove this CHARGE OFF, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.

Company response to consumer: Closed with explanation