BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX  the. afni. XXXX deleted XXXX  from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC, located in XXXX, Florida refuses to comply with the Federal requirement to terminate my PMI insurance at the 78 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on or about XXXX XXXX, 2016 I sent a dispute letter and filed a complaint with consumer financial protection related to Experian unfair business practices, failure to verify fraudulent information and delet it completely.

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 2021-07-09
Company: Experian Information Solutions Inc.
State: GA
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:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.

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 2021-07-09
Company: EQUIFAX, INC.
State: GA
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:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
in XXXX 2016 my daughter traded in her XXXX, XXXX that she had for almost 2 yrs. XXXX XXXX paid off the vehicle by sending a check for XXXX to Wells Fargo Dealership. They shorted the pay-off check by {$170.00}. Since I had co-signed for the Equinox, as soon as I found out there was a balance remaining I contacted XXXX XXXX. They sent the remaining balance on XXXX XXXX, 2016. My daughters XXXX payment was due on XXXX. Wells Fargo reported to the credit bureaus that the payment was 30 days late. They received the check XXXX/XXXX/16 and they should have received they last XXXX XXXX/XXXX/16. that would not cause it to be 30 days late. My daughter never had a late payment while she had the XXXX. I do not understand why the first check was not posted to the account when they received it instead of holding it for two weeks and posting them both on XXXX/XXXX/16.

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 2020-08-18
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the company notice debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX  XXXX. I was seen at the XXXX XXXX  XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX  XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX  who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX  on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: IL
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:
Account # XXXX - XXXX XXXX/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. I contacted Equifax on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. l have attached the Settlement Letter from XXXX XXXX XXXX and a Receipt from USPS for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/2021, I sent a certified mail reporting fraud to TRANSUNION notifying them of fraud on my credit file/report. They sent mail stating they have completed the investigation ( dated XX/XX/2021 ). 
Under the Consumer Rights Law 15 USC 1681 a.e., the investigation haas to be done with the Consumer 's ( me, I ) neighbors, family members and associates.

Transunion has not investigated any of these accounts with my family members, associates and neighbors.

I called them again today ( XX/XX/2021 ), XXXX answered at first and verified name and SS # then stated he would have to transfer me to the " XXXX XXXX XXXX '' Then spoke with XXXX, verified my information in which I let him know I'm calling regarding the File # XXXX that was completed and dated XX/XX/2021. 
XXXX mentioned there was a middle name which was on my report however, the file sent to me does not specify a last name. He then asked me if I wanted it " removed '' and I asked him to please tell me what the middle name was because I do not have one and this is fraud. He stated he just would like to make sure because he is generating another file # XXXX for this investigation. This is also fraud! 

I DO NOT RECOGNIZE THESE DEBT ACCOUNTS and I AM DEMANDING THE REMOVAL from my Transunion file/report. These are the debt accounts : USBK COURT XXXX NEW YORK DOCKET # : 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 I would also like to add per my Consumer Rights according to 15 USC 1692, I do not owe any debt listed above, I am not obligated to pay, I am the Administrator/Agent according to Consumer Rights 15 USC 1602. Transunion can not confirm any debt of mine, and being the Consumer, I am stating this debt does not belong to me. 

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 2016-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to financial problems and after exhausting all savings and annuities, and after being denied an equity loan, we contacted Wells Fargo Home Mortgage to refinance our home loan on XX/XX/XXXX. We 've owned our home since XX/XX/XXXX. We were advised to submit a " Loan Modification '' contract instead of refinancing our original loan. On XXXX we completed all the paperwork and their " specialist '' explained the program. We would not need to make a mortgage payment until XX/XX/XXXX. And the modification trial period would last 4 months. And then on XX/XX/XXXX a new 30-year mortgage would be issued. We have reason to believe we have a case of " Dual Tracking. '' Since we began the process, we began receiving letters, at least one a week, from Wells Fargo to inform us our mortgage was in default. Our mortgage has never been in default. With each letter received, my husband would call them. He has asked them repeatedly why the foreclosure threats when we are on the loan modification program. None of their answers make any sense. We have received one letter through certified mail and then today a person " hand delivered '' another letter asking us to call and discuss our possible foreclosure. Each time we speak to them, we get nowhere. On XX/XX/XXXX the new mortgage loan amount was debited from our bank account, just as planned and promised. Then today we get the hand delivered letter requesting us to call them. So my husband called them. Today 's call revealed that the Mortgage Foreclosure Dept does not what the Loan Preservation Dept is doing. We feel harassed and fear we may loose our home. I learned of your website on the XXXX XXXX XXXX, reporting how a couple lost their home after going through a loan modification.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had to put my home on short sale because Wells Fargo did not want to modify my loan and insisted that I need to refinance instead which would have incur another set of closing fees running in the thousands. They 've given me a Pic A Payment loan and because of this, I was able to pay what I can afford each month and the balance of the interest will go right back into an owed to the mortgage. Needless to say my husband passed away and I was left with XXXX income and my daughter was receiving SSI. I 've sent numerous of papers and statements to them and each time I was told they did not receive it and I have a certain date that my application will expire. They 've given me the run around and put me in foreclosure that I had no choice but to sell it at $ XXXX instead of reorganizing my loan to fit this criteria. My daughter and I had to move with family and put my belongings in storage. I did contact the OCC and they were in touch with them to stop foreclosure, but that was all that came out of it. I will have to find my paper works because I have a feeling my income was inflated to get the original refinance for pic a payment. If this was the case, then I guess I can go ahead with a lawsuit as well and recover my losses.

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 2021-07-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Today is the XXXX day post payment and nothing has been done. Wells Fargo has not provided a confirmation letter as they initially stated they would. Continuously getting told a different story each time I call with insignificant 15+ days hold/delays prior to closing out the account and providing release documentation. Too many 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 non-monetary relief
Consumer complaint received 2015-06-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did Transunion,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these 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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have requested for TransUnion to validate that this creditor account is accurate and complete. My first request was in XXXX, received zero response. My second request was in XXXX, requested that they validate the accuracy of what is reporting and remove the balance owed and " derogatory '' status due to it being sold and in collections. Ive yet to receive a response in over 60 days that an investigation was even started.

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 2021-07-09
Company: Synovus Bank
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX , XXXX DBA XXXX XXXX XXXX was allowed by Capital One , Inc. to push through {$2400.00} of unexplained charges to my Capital One card. The same compnay inadvertently pushed through {$2100.00} on my adult daughter 's Capital One card, approximately a year later. Making this their standard m.o. My current case is against XXXX XXXX , XXXX DBA XXXX XXXX XXXX , but capital One is next, due to subsequent liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I contacted Experian and XXXX  to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but Experian and XXXX  keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.

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 2016-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.

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 2015-03-27
Company: SECURITY FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuing to contact me at my place of employment!

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