BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XX/XX/XXXX and XX/XX/XXXX I received dunning notices from Bayview Loan Servicing regarding an alleged mortgage loan. On XX/XX/XXXX I sent Bayview Loan Servicing a Notice and Demand To Validate Debt Claim. On or about XX/XX/XXXX I sent a final notice of dispute and notice of pending lawsuit. Bayview Loan Servicing did not validate their claim. Bayview responded by sending me copies of a promissory note and bank statements which did not validate their claim. Bayview is a debt collector who is attempting to collect on a alleged defaulted debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my XXXX time disputing items on my credit report that I did not authorize. I am NOT an attorney or XXXX party rep. I have a legal right to dispute anything on my own credit report. The following accounts are mines : -FEDERAL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Round Up Ventures, L.P.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX, I changed bank accounts and I sent the information to Lendly before my XX/XX/XXXX payments were due. Lendly never completed the request. I called numerous times, before the due date of my first payment to address the issue and no one was able to assist me with the change until XX/XX/XXXX. I emailed the information over AGAIN on that date and the request still was not completed. Upon speaking to a Rep, the Rep stated that the payments were reversed and that they do not know why the XX/XX/XXXX payments were reversed and then wanted me to pay {$190.00} and my current payment that was due, all in one lump. But I did not feel that was fair, due to Lendly not updating the information when I sent my new bank account information in XXXX of XXXX. It was not my fault that the payments were reversed either, after the fact that the new bank account was entered in XXXX XXXXThe Lendly rep at the time stated to me on a RECORDED LINE that interest is not accrued on late payments, but I guess that was not true, because now I have made XXXX payments of my XXXX and they are stating that I have XXXX more payments, because of the mishap in XX/XX/XXXX. The interest is from XXXX till now and it keeps going up, even though Lendly has admitted that the mistake was on their behalf. I stated to them I should not have to pay late fees on a balance that was caused by them not completing their job of entering the updated bank information. It appears intentional, because the balance is caused by Lendly neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ALLY FINANCIAL INC.
State: TX
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:
In Late XXXX, I was overcharged at a XXXX XXXX in XXXX. There appeared to be a dispute for the billed items. I agreed to pay {$300.00}. The XXXX XXXX did not give me a receipt nor have me sign anything. 

When my statement came on XX/XX/XXXX, I saw they had charged my card {$600.00}. I called them and they would not take my call nor return my call. I reported the fraudulent charge to XXXX card the next day and explained what happened. 

XXXX then sent me a letter saying I needed to provide an invoice that showed {$300.00} with my signature. I explained that did not exist, and neither did an invoice signed by me for {$600.00}. 

XXXX then sent me a letter saying they were denying my fraud complaint. They then sent me a nasty letter saying if the amount is not paid, they will report to the credit bureau. The amount I contested was paid as soon i as i saw they were trying to charge me interest before the claim was denied. 

I am referring to the CFPB because my card was charged a fraudulent amount, the merchant has no proof i agreed to the inflated amount, and XXXX card has called me a liar and threaten to report me to the credit bureaus if i do not pay something i have already paid.

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 2016-10-15
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. 
A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I previously disputed addresses on my credit report that I have never lived at or belong to a family member. 

My current address is XXXX XXXX XXXX. XXXX . XXXX, XXXX, OH XXXX PLEASE REMOVE THESE INCORRECT ADDRESSES : XXXX XXXX, XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN,XXXX XXXX XXXX XXXX MN XXXX NONE XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXNC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX NY,XXXX  XXXX XXXX XXXX # XXXX XXXX NY XXXX MY CORRECT NAME IS XXXX XXXX - PLEASE REMOVE THESE NAME VARIATIONS : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one com pany. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry,  Negligent, Defamation, Please advise me on this matter..      Sincerely  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 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX  21,2017   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by 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
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2016-08-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I had applied and was approved for the XXXX XXXX XXXX XXXX with the ability to earn XXXX XXXX points after spending {$1000.00} in 90 days. I have completed the spend requirement along with paying off the card. My first statement shows that I am owed XXXX XXXX points. It has been almost two weeks since this statement has closed and both Barclaycard and XXXX refuse to give me a straight answer as to where my points are and why they can not link my card to my true blue account. I have spoken with both sides and not one can give me a straight answer other then they are holding over XXXX points that I rightfully earned hostage.

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 2016-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME GETTING THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME GETTING THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT

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 2021-03-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I deposited {$290.00} cash at the Huntington Bank on XXXX XXXX XXXX Ohio. After awhile it told me to contact my financial institution, kept my cash without it being deposited into my account. XX/XX/XXXX I go into the branch and they tell me I have to wait until XXXX comes in to service the atm and that someone would call me. Saturday XX/XX/XXXX I go back into the branch, to find out XXXX had serviced the atm but I still dont have my money. I had to file a dispute. Thursday XX/XX/XXXX I go back into the branch and was told I would have my money at the end of the business day. Nothing. Called the next morning and then was told I would receive it at the end of the business day yesterday. Again no money. I need my {$290.00}. Im tired of the lies after lies and poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My balance hasnt been updated since XXXX I made payments the balance should be {$480.00} for XXXX  lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. 
They also said they would not except cash if I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.

Company response to consumer: Closed with explanation