BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-11
Company: United PanAm Financial Corp.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: PLAZA HOME MORTGAGE, INC.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent Carrington Mortgage request for mortgage assistance because I have been affected by Covid-19. Spoke with Carrington Mortgage customer service XX/XX/2021 was told my mortgage assistance request was in processing and no other document was needed at the time. received property foreclosure letter from foreclosure attorney saying sale date for my home is XX/XX/2021 and my loan was sold, and my new servicer was XXXX XXXX. I have not received a letter from the new servicer or Carrington stating who my new servicer was. I haven't received the accelerations of debt letter from Carrington Mortgage or a denial letter for the mortgage assistance request. Recently submitted all requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX Original Creditor : XXXX XXXX ) XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
After completion I called back to check with Wells Fargo Visa and am now being charged between $ 75- {$80.00} a month for this loan instead of the quoted amount of {$15.00}. The manager XXXX # XXXX agreed that it was a bank error but would not honor the original quoted monthly amount of {$15.00}. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This morning XX/XX/2021 I woke up to a loan taken in the moneylion app and my payday loan maxed out. I was signed up for a monthly subscription and can not cancel until I pay off the fraudulent loan. I called customer service and they changed my email and phone number but now I can not log into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a credit card for my business with Wells Fargo who denied me for incorrect reasons. I do not have a bankruptcy or collections under my name, Also no inquiries was made under my name. I monitored my credit XXXX and XXXX XXXX and no alert was posted on my account on XXXX/XXXX/16. So I do no really know where this information came. I want this incorrect information to be fixed, this cause bad reputation for me and my business.I do understand that financial institution can denied you but at least do not make false excuses.

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 2017-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, 90, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.

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
Consumer complaint received 2022-04-15
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed disputes with all XXXX credit reporting companies regarding the following FALSE debt : CREDIT COLLECTION SERVICES in XXXX, MA in the amount of {$180.00} for an alleged debt to XXXX XXXX and XXXX XXXX As of XX/XX/22 XXXX removed this erroneous collection report from my credit report, but the other XXXX credit agencies have not dispute multiple disputes and contacting the creditor and telling them the alleged debt was invalid. 

There is no way I ever owed XXXX {$180.00} because I canceled my auto policy in the first 7 days and was issued a refund. Further, I have not gotten my {$400.00} auto insurance rebate every citizen of the State of MI is entitled to if this debt was valid at that time. 

I want this immediately removed from the other XXXX credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Porania, LLC
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:
thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2021, I submitted a check electronically through my bank account to pay the balance in full to Comenity Bank for my XXXX credit card. In XXXX I received a statement and the same balance was showing that Id just paid the prior month. I check my bank account and the check had cleared my account. I contacted Comenity Bank to see what they had not posted my check to my account. They said Id have yo dispute this and it would take a while to correct and that Id need to continue to make monthly payments until it is corrected. About 30 days later I received a letter from them asking me to send my cancelled check which I did right away. A few weeks later I received another letter stating they received my cancelled check. Today I called Comenity Bank to follow up I spoke to three people who were no help whatsoever! My question to them is why did they not update my account when they received my cancelled check but have chosen to continue to require monthly payments and charge me interest in the meantime. The response was that I need to wait until they research it. Which is not my problem. They can clearly see I did my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: SD
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:
On XX/XX/XXXX, I notified Experian that the XXXX of XXXX XXXX XXXX XXXX loan account that had delinquency reported had met the 7 year purge timeframe and requested to have the account removed from by credit bureau report as XXXX and XXXX had already done so. 

Experian opened an investigation and closed their investigation on XX/XX/XXXX, but instead of removing the account, they adjusted moved a late payment to shower closer, which caused my XXXX XXXX to drop 30+ points by their records. 

Not only did they damage my credit further, they refused to follow Regulation V ( FCRA ) requirements and remove the account from reporting. 

I contacted XXXX of XXXX XXXX, via XXXX on XX/XX/XXXX and they confirmed the first date of delinquency was on XX/XX/XXXX and that they have not reported the account to any credit bureau since XX/XX/XXXX. 

Experian is intentionally harming my credit bureaus and intentionally not removing an account that qualifies to be removed as it is not related to a bankruptcy and it has met the 7 year requirement for purge timeframe. Please correct this issue. 

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 non-monetary relief
Consumer complaint received 2017-02-15
Company: AAA Auto Title Loans, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Complaint : Washington Federal Bank wants to keep my earnest money because I kept their house off the market for 30 days. 
XXXX lender XXXX XXXX did not fully disclose the need for a XXXX credit score and kept saying the underwriters overlay reports back OK - referral with caution. 
XXXX lender XXXX XXXX XXXX did not fully disclose that I needed to put in debt from my ccs into the mortgage amount to be able to get the loan at a new purchase price of XXXX. 
Seller still under open contract with open form XXXX UN singed document from purchase due to bank wanting to keep buyers Ernst money of {$1000.00}. Seller has put the home back on the market and advertising home for sale on the XXXX XXXX system as of ...

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 2021-09-28
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this bureau this account as of today. 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 2021-09-28
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i am trying to verify all money transfers in my name from XX/XX/2004 til now. INCLUDING XXXX XXXX ITEMS SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need a response from my mortgage servicer ( NewRez ) regarding an error on a recent mortgage statement and payment of myXX/XX/2021 Property Taxes. 

I mailed an original copy of myXX/XX/2021 Property Tax Notice to NewRez onXX/XX/2021.NewRez is to pay the taxes from my Escrow Account. See the attached copy of this XX/XX/2021 Property Tax and Notice and a screenshot from the USPS website which shows NewRez received and signed for this notice on XX/XX/2021. 


Im asking that NewRez answer questions 1 and 2 below 1.Does NewRez have the XX/XX/2021 Property Tax Notice which was sent by me through USPS and when do they intend to pay the property taxes due from my escrow account in the amount of {$2200.00}. 


2.Why did I receive a statement dated XX/XX/2021 with a Payment Due Date of XX/XX/2021 with a Payment Amount of {$0.00}? Why does this statement show a Payment Amount of {$0.00}. 


I have included two attachments. One attachment contains both the 2021 Property Taxes due to be paid by NewRes and my. XX/XX/2021 statement. The other attachment contains a screenshot of the confirmation of delivery to NewRez of my XX/XX/2021Property Tax Notice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.

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 2015-12-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation