BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Financial Credit Network 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: Account status incorrect

Complaint:
Financial Credit Network place a debt on my credit without properly notifying me never received a call nor a letter regarding a debt it just showed up on my credit was not afforded due process to to let the agency know I had health coverage and my insurance company should have been billed for this debt. I had a car accident in XX/XX/2019, the ambulance never asked if I had insurance and only asked for my social security number, the city never billed XXXX for the services according to XXXX as they should have, with my health care provider XXXX a year passed, and according to XXXX if they can not bill after a year ( not sure why the delay ) according to XXXX they have to swallow the bill. The bill was sent to collection since they did not exercise due process- the collection agency just placed on my credit never notifying me of any such debt, and refused to remove it from my credit unless I paid the debt of {$860.00}, that my insurance provider was suppose to pay. This company never called, never notified me just demanded payment for which I paid unjustly without due process of having 30 days to let them know that I have health coverage, my credit score went from a XXXX to a XXXX due this action. I am requesting a refund of my monies as this was unlawful and XXXX wrote a letter that I have full coverage ; this should have never been put on my credit when my insurance carrier was never billed in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced a loan in XXXX with XXXX XXXX. The Title company at the time was XXXX XXXX XXXX. We received a clear title and was able to close the loan. We are in the middle of refinancing and on the day we were going to sign the closing documents, the current Title company said their is an outstanding lien from XXXX. This was not reported to us in XXXX, otherwise we would not have been able to close that loan. I have been in contact with XXXX and they claim they have no duty to us to solve this issue. We are going to lose a loan that would be saving XXXX $ XXXX because of the mistake made by XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: GA
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:
There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.

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 2017-05-01
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since  XXXX  of   XXXX  . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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 status incorrect

Complaint:
In XX/XX/XXXX, XXXXXXXX XXXX Charged Off my credit card balance after I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which they filed an IRS 1099 C that I submitted with taxes. On XX/XX/XXXX, Equifax reported the XXXXXXXX XXXX charged off as new on my credit report without my knowledge which causing my student loans to be denied by XXXX XXXX XXXX XXXX US Department of Education. I spoke with Equifax twice about the error and their investigation showed no error on their part and blamed XXXXXXXX XXXX for the error. I talked with XXXXXXXX XXXX twice and both times they claim there was no error in the way they report charge off on my account, other than I was still delinquent in payments even though it was filed as a IRS 1099 C. 

I did not know of the of the XX/XX/XXXX Equifax-XXXX Reporting error until XX/XX/XXXX when I filed for the XXXX XXXX XXXX XXXX XXXX. It also did not show on my XXXX XXXX account until after my student loan was denied. This caused my credit rating to drop about 10 pts on both Equifax and XXXX XXXX. XXXX XXXX did not show any new charge off on my credit report account with them. I appealed the denial of my federal student loan with XXXX XXXX XXXX and on XX/XX/XXXX after submitting documentation, my appeal was approved. 

Equifax also required me to subscribe to their upgraded service to review the reporting issue and would not send any documentation to me on whether the reporting issue was fixed. I had to wait until the month of XXXX in order to find out that my credit report had been corrected or not. Both Equifax representative would not divulge any information about there investigations into my account that was completed in one day and not corrected. 

This Equifax reporting error has caused financial emotional harm and jeopardized my XXXX XXXX in XXXX XXXX and Policy at XXXXXXXX XXXX. Equifax outward attitude of denying problems affecting people 's credit report is appalling and I am sure it is more widespread than they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: First Advantage LNS Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.

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 2021-03-15
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for a security deposit for a place I thought I was going to be renting but found out the person was a scammer. So I filed a complaint with my bank and gave all neccassary documents supporting the claim and was still denied several times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Are you kidding me? You conspire to create these problems and want 20 questions to pretend to solve them ( previous owner dead a year and offers to refine the home not addressed to me ). If your org. is on the mailer, you should be accountable. Cease and desist!

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 2022-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter via certified mail that they received on XXXXThis company has failed to validate my debt instead. please delete this information from my credit file and cease all collection activities immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refinance my home. In XXXX my payment had changed and I inadvertently sent in a payment which was {$71.00} short. Ocwen mortgage is now reporting that I never made the payment in XXXX. My new potential mortgage company can not refinance without a clarification letter from Ocwen, which they refuse to furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BB&T CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ZWICKER & ASSOCIATES
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I received notice I was being sued by XXXX XXXX XXXX XXXX ( " XXXX '' ). Prior to being served, I was not contacted by the law firm handling the debt, Zwicker & Associates, or XXXX regarding the debt owed. When I told XXXX I had not been notified of the debt, they produced an unsigned letter dated XX/XX/XXXX addressed to an address I had not lived at for several years purporting to provide me notice. The letter provided contained an amount different from the amount represented in the law suit. From XX/XX/XXXX through XX/XX/XXXX, I maintained the same address which was not the address the letter was mailed. 

Once I raised the issue of notice, employees of the law firm representing XXXX began calling me and making false statements over the phone. They tried to induce me to make a payment claiming it would " help my lawsuit '' and " make things better for me legally ''. This is untrue. Not only would it restart a statute of limitations, but payments made outside of a legal agreement for a case actively in court may not be recognized by the court or could be misapplied by the company. When I explained to the callers that I would not make any payments outside of an agreement and that they were providing me with incorrect information, they again tried to push me into making payments by falsely claiming they were trying to help. 

I repeatedly asked Zwicker to provide a detailed accounting of the amount owed as the loan was serviced by XXXX, a company notorious for misapplying payments, incorrectly calculating amounts owed and payment amounts and collecting money for loans they no longer service. Zwicker failed to respond to my requests. 

I attempted to go to the local regulatory authority in Connecticut to help me obtain records, but found out that because they have attorneys on staff, the CT Department of Banking does not regulate them as a debt collector. Basically, they are able to circumvent the law and continue their forceful, violative practices that are in direct contravention of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I wanted to get a copy of my FICO credit report as I am about to apply for a mortgage and wanted to know what my FICO score was, as that is the score most often used by mortgage lenders. I happily paid Experian {$43.00} for the credit report, and was automatically enrolled in their credit monitoring service. I knew their credit monitoring service cost money and that you had to cancel it before the 7 day free trial was over. I cancelled it the same day I got my credit report, as I did n't need the credit monitoring service and did n't want to be charged more. I read the fine print, and I followed through on the instructions to the best of my abilities. Two weeks later, I received an email confirming my purchase of a further credit report and informing me that I am still enrolled in credit monitoring services. I have now cancelled twice and am still not sure if it is fully cancelled. One part of the website says you can cancel online by pushing a few buttons and confirming your cancellation. Another part of the website says you can only cancel by calling their number. The confusing and conflicting instructions, predatory withholding of information, and hiding behind small print are appalling from an agency that is one of three credit agencies. In order to get a mortgage - a basic need of many Americans - Experian and the FICO score are necessary. It is shocking that the CFPB has not shut down Experian 's credit monitoring predatory service.

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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online checking account with Suntrust Bank on Sunday XX/XX/2021. On Monday XX/XX/XXXX I went into the local Branch located at : XXXX XXXX XXXX XXXX, NC. On that day I met with a bank representative who suggested that I open a money market savings account so I did. I made my first deposit into the checking account in the amount of {$500.00} cash. I returned to the bank on XX/XX/XXXX with another cash deposit of {$500.00}. On XX/XX/XXXX at XXXX am I made a cash deposit of {$1500.00} and I returned later that day with another {$1500.00} deposit via check that was made out to me as a personal loan from XXXX XXXX XXXX, XXXX. After receiving my debit card in the mail on XX/XX/XXXX I went back to the back and made another {$500.00} deposit. I left the bank to see if my card was activated and found out at that point my account was frozen. To my surprise ... ..especially since the bank continued to take my money for 8 days straight and never once said there was any problems with my account. 

On XX/XX/XXXX I had a payroll direct deposit of {$1200.00} that went into that bank as well to total {$5700.00} No one from SunTrust Bank will give me any answers as to why my account was frozen and why they continue to hold my life savings. I am a XXXX years old XXXX man trying to nest egg money to survive throughout this pandemic and this bank has taken every dime that I have without due process. After some deliberation I didn't know what else to do except perhaps notify the local media in hopes in getting some answers. Which is why I pray that your agency can help me!

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