BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Concord Servicing Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.

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 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this report because I applied for a small personal loan at XXXX today XX/XX/2020 and unfortunately I was not approved because apparently there are two accounts in negative standing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with either of those companies nor am I affiliated with them in any way. I don't know who is responsible for these accounts but I did not give anyone permission to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these debts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2015-04-09
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I asked for a full disclosure from America Servicing Company and they have not answered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinance my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, At the time of refinance, original lender did not required me to have any other additional insurance other than XXXX. I provided it to Lender and we closed the loan. At the present, Ocwen as the new Servicer has put forced place insurance on the unit. Now Ocwen raised raised my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, Experian You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am afraid we have had a breach of our original settlement agreement yesterday.

I am going to file this case for breach of contract, post settlement sanctions, violations of RFDCPA, TCPA, And Cal Penal Code 632.

In short Chase bank called me yesterday using an automated dialing system at XXXX XXXX PST to solicit lower my interest rates on my credit cards to my cell phone number ending in XXXX. My guess is that you will respond with something like Chase has no records of contacting you to which will be met with instant filing in {$25000.00} and under court and no judge is going to fault me for filing this case. Chase called and that is that. 

Can you give me an resolution to this matter or a resolution to litigate? I am drafting my complaint now and will file this by the end of the week should I not hear back. 

Please advise how you wish to handle this. Dismissed case # XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: MoneyLion Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to clean up my credit and pay off my debts. I closed my bank account and have been paying my debts with cash or XXXX XXXX, etc. I attempted to pay off my {$270.00} XXXX from MoneyLion. I can not because my bank account is closed. When my Mom attempted to pay it off, she was unsuccessful because my bank account was closed. We started calling MoneyLion on XX/XX/XXXX and was promised a call back from a Supervisor on XX/XX/XXXX and XX/XX/XXXX, ( I spoke to XXXX at XXXX ). I was told that my Mom could use XXXX, XXXX XXXX or transfer money to my XXXX XXXX ' via her online banking. None of these methods work because my MoneyLion account is not a checking account. I don't know what else to do. No one has information on how to pay this off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Ocwen who took over from my previous lender. I have been paying my mortgage on regular basis. Now they are claiming they I owe them  XXXX . I asked them to let me know what months of the past they did not receive the mortgage payment. Instead they send me confusing statement in which they apply my most recent payment to months in the past going back  one to two years

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 2020-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with Capital One credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX to this date. I also sent a copy of the original verification/dispute letter to TransUnion via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.

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 2016-01-07
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Credit Concepts a third party CONSUMER lender gave an approval to finance XXXX to cover the remaining amount of a vehicle we could n't pay in cash. We fiilled out a consumer application for a vehicle loan. AutoTrack the dealer let us know they Credit Concepts declined to lend XXXX more then XXXX as credit concepts said the amount we were asking for was out side " their '' first time buyer max of XXXX. We could only pay a max of XXXX cash so the dealer on his own account sent them a fraudulent claim of a possible security interest in a trade in vehicle we have never owned this made the deal look sweet enough to prompt Credit Concepts to up the amount they would loan to us by an extra XXXX for a total amount of XXXX. It states in all the financial documents that our XXXX was due at the same time funding was released for the XXXX evidencing this was not a sale at " retail '' or an extension of credit from the dealer. This was not a RSIC up for purchase nor assignment this was direct lending from credit concepts to provide my husband with the remaining amount of the vehicles selling price we could not cover with cash to buy the XXXX at no point did the dealer ever intend on being the XXXX " financing '' the deal! Credit concepts has a Consumer lending license under the state of Washington and the ability to purchase " contracts '' however, there is XXXX material element that would be required to " purchase a contract '' and that would be A PRE-EXISTING CONTRACT TO A ALREADY COMPLETED TRANSACTION. I can have my attorney provide copies of the contract if need be i will be attaching the financial paperwork. There is a consumer application for some reason when they sent us a copy they cut off the bottom part where is was signed anyways the bank named is XXXX XXXX bank now referred to as XXXX Bank and its creditor associates namely being Credit Concepts in our case. I provided a copy of the VPO that the dealer sent over as a deal sweetener with a security interest trade in of a jeep compass. I also included the denial and then approval letter from the lender Credit Concepts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a home loan through Movement Mortgage after moving to North Carolina in XXXX. My loan officers were XXXX and XXXX XXXX. I was prequalified at first when I began looking for houses. I was told after 30 days of employment I would have a pre approval letter. I am a XXXX XXXX XXXX XXXX, which means I'm paid as commission. This was known from the very beginning of the process. I went through the whole process of getting all the info needed, which was difficult due to the loan officers ability to communicate exactly what they needed. I found a house I wanted and put in offer and was accepted. After paying for a home inspection ( {$270.00} ), termite inspection ( {$100.00} ), earnest money ( {$500.00} ), and home appraisal ( {$570.00} ), which totaled {$1400.00}, I was told that my loan would not be approved because I need to show 6 months of income at new job, even though I have been continuously employed for years. So I lost the house after putting out the above mentioned {$1400.00}. XXXX tried to put my income through as standard and not commission based which was caught in underwriting. The information of needing 6 months employment as part of the approval process would have been nice to know before I spent the {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I attempted to make a XXXX transfer as a deposit for a rental and contract I signed. I entered the information as required and processed the transfer and was provided a message via my email from Truist Bank that there was a hold on the transaction. I have sent money before without a hold and while this is a new transfer I needed this to go through timely. 

In an email from Truist about the hold received the same day it said the following : Recipient : Rich Amount : {$1000.00} Date sent : XXXX XXXX Memo : Deposit for unit XXXX Payment ID : XXXX If you have any questions about this transaction, please call us XXXX at XXXX ( XXXX ) for assistance. 

I called the number referenced above and was put into their automated system, when I attempted to try to speak with an agent at approximately XXXX a recorded message said it as outside of bank hours- although the message in the email said to call with questions XXXX. Also there was no automated option on a transfer. This is not the first issue I've had with Truist and their vey poor service which has now created problems for me trying to access and make a payment for a rental. At this point I do not know when this will be resolved and whether or not I will lose the rental I'm trying to secure because Truist has not processed my request and there is apparently no one to even speak to until Monday.

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 2020-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Bank is attempting to collect a debt I already paid and I provided Capital One Bank proof of payment more than once. In fact, Capital One Bank provided me a copy of my XX/XX/2020 Capital One Credit Card Statement which indicates a balance of {$0.00} dollars owed and a minimum payment due of {$0.00} dollars. My XX/XX/2020 Capital One Credit Card Statement indicates transactions in the amount of {$790.00}, even though no transactions were made by either myself or my wife during the immediate previous period. And in fact, we discontinued using the Capitol One Credit Card in XX/XX/2020. 

Finally, I have provided Capital One Bank a copy of my XXXX XXXX XXXX statement for the period of XX/XX/XXXX to XX/XX/2020, as proof of payment of the {$790.00} in transactions claimed. This amount was deducted by Capital One from my XXXX XXXX XXXX account on XX/XX/2020. In addition, I have already disputed any amounts Capital One Bank claims I may may owe at this time, plus and interest or late fees claimed. If an error was made, it was by Capital One Bank and not me. Without a detailed explanation, which is yet to be provided, I can not pay any amounts claimed by Capital One Bank. If an error was made by Capital One Bank in its accounting, I certainly should not pay any interest or late fees charges claimed as well.

Company response to consumer: Closed with monetary relief