BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attempted to get an underwater loan on a second home re-financed, including lower interest rate and principal reduction. After 2 yrs. XXXX XXXX has outsourced to Seterus, and we were offered a lower interest rate only. New payment became more than previously, due to fees and interest accrued. ( my spouses business failed & our income declined ) With principal reduction we could afford the mortgage, but they stated this could not happen due to XXXX loan rules. Is this true? We constantly re-filed paperwork that had been " lost '' throughout the years, with no offer ever being made until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM EQUIFAX, XXXX AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX  XXXX  on my Equifax report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX  and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX  conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my Equifax inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. EQUIFAX The remainder of these inquires are mine. 

XXXX  : This bureau was contacted as well about the inquires and was told verified XXXX XXXX  XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX  : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX  XXXX  : I've contacted XXXX  XXXX  in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX  XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/XXXX, I informed Capital One that I was a victim of fraud amounting to {$1900.00}, on an unauthorized transaction. I called them immediately after the fraud took place, and, my husband also called them seconds later, when he saw this transaction was pending to our credit card account. We both told the Capital One asscoaites this was fraud, and asked them to not process it. The next day, it posted to our account. In the next three weeks we worked with their Fraud and Dispute departments. On XX/XX/XXXX, they sent me a letter ( see attachment ) informing me their investigation was complete, and that I would be covered by their {$0.00} Fraud Protection Policy. The money was credited to my account on XX/XX/XXXX. On XX/XX/XXXX, my account was debited for the full amount. They did not call us as to why this latest adjustment was made. On XXXX XXXX, my husbands account was credited, and later that same day, debited that amount ( we do not know why ). On XX/XX/XXXX they credited my account that amount, and on XX/XX/XXXX, it was debited again. Since the initial fraud transaction, they have manually credited and debited our charge card account 8 times for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction.

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 monetary relief
Consumer complaint received 2020-08-09
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased a car through GM XXXX XXXX  and I had trouble making payments due to illness so in XXXX of 2019 I was going to file a XXXX XXXX bankruptcy and turn the vehicle in the XXXX XXXX bankruptcy was dismissed and the vehicle was grounded GM never sent me a final bill and The total I seen on my credit report was over 19,000 dollars this vehicle was a lease and the total amount of the lease was only XXXX. How can they charge me three times the amount without sending me a final bill and they have their vehicle back. The amount of the vehicle was approximately 19,000 dollars but they have their vehicle in their possesion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: Bread Financial Holdings, Inc.
State: NE
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:
On XX/XX/2020, I paid off my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank ( {$1400.00} balance. Now, over a month later, Comenity still shows the last statement balance of {$1400.00}. I've asked them twice to report the paid off XXXX balance to the credit reporting firms. They declined to do so, stating that they only report once a month on the billing cycle. These cycles are 30 days long, so they should've reported the XXXX  balance already. Also, they still show that {$1400.00} balance on the account opening screen. You have to drill down to the Payments screen to find there's a XXXX balance on the account. 

I'm trying to refinance my mortgage ; Comenity 's failure to report a paid off account in a timely manner negatively impacts my credit score and impairs my ability to get a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been on forbearance for 18 months under the Federal Covid-19 guidelines. We were offered a loan modification at the end XX/XX/XXXX. At that time my wife and I both were stricken with XXXX for over 1 month. We were contacted by LoanCare about the modification in XXXX which I explained that we both were stricken with XXXX. The modification was instituted by another company XXXX. We eventually were able to get the modification notarized, and sent back to XXXX via XXXX at the second week of XX/XX/XXXX. We have yet to receive any further communication from XXXX or LoanCare about the modification, and or a Statement. That said, I received a call from LoanCare on XX/XX/XXXX at XXXX pm est, and spoke to their representative who was pleasant however, she said that if I dont make a XXXX payment, they would turn it into the credit reporting agency as well as a late charge for non-payment. This is ludicrous at best, and I am prepared to sue LoanCare and XXXX for a lack of communication in this process, and providing us with a monthly statement for payment. This whole Covid-19 debacle has ruined most small businesses such as mine, and I expect the Federal and State Government to intervene in this matter, that was created by them. The person I spoke with at LoanCare on XX/XX/XXXX at XXXX Est placed me on hold for over an HOUR and believe it or not, I sat on hold that long. This is the kind of service their organization offers, and its been well displayed on all their reviews. Now this mortgage is an XXXX XXXX, and I will be contacting them as well over the XXXX challenges, and the very lack of customer service of this servicing agent LOANCARE. We are at our ends wits with whats happening with the Covid epidemic, and to have to deal with lousy service from both LOANCARE & XXXX the biggest shell game in America!

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 2015-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
On XX/XX/XXXX I submitted a dispute via XXXX to Transunion about inaccurate information being reported on my credit by a collections agency. The investigation was supposed to be completed by XX/XX/XXXX. As of XX/XX/XXXX it still reflects as in review and incomplete - hence this account should be removed from my report. 

I called Transunion on XX/XX/XXXX and I had to speak to 2 supervisors and 3 staff members in order for them to delete a new dispute that they submitted instead of handling the old dispute as I requested. According to their staff, they were not able to send me a report of the investigation as it is supposedly not in their system for them to mail or email me. The last person I spoke to after 45 minutes informed me that he deleted the new dispute submitted by his coworker, and closed the initial XXXX XXXX dispute as it's been more than 30 days ; he agreed to mail me a copy of my updated credit report reflecting the closed collections account, and the collections agency should be deleted from my report after 30 days. If this does not happen, I will be calling again in XXXX to speak to another supervisor.

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 2020-11-20
Company: Advantage Credit, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 XXXX XXXX XXXX Main office pulled my credit report without my consent. I called XXXX XXXX that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from XXXX XXXX and Advantage credit inc ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX XXXX on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

XXXX : This bureau was contacted as well about the inquires and was told verified XXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report EXPERIAN : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted comenity bank in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

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 2021-04-21
Company: A & S Collection Associates, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX has contacted me several times in the past year about a debt with XXXX XXXX XXXX that does not exist. I have requested proof of acct and have even contacted XXXX XXXX XXXX  who say this is a scam. They represent themselves as a law firm, are disrespectful, tell you that you committed a crime, threaten to sue you, say they called your bank and have your location. The calls, except for today which was a robo person, start with a woman claiming to have a package and that they will connect you with the person that is sending. Then a guy gets on and tries to verify your info while saying he is issuing a court summons/subpoena and you should handle the debt before court. Today, I was able to record both conversations with clear and direct threats. This company misrepresents who they are, claim to be a law office and gets you on the phone through deception. XXXX XXXX XXXX XXXX are their real name. My first call with them they wouldnt tell me who they were, just hung up, after I didnt cooperate. The XXXX XXXX times they represented themselves as attorneys/law office. The XXXX call approximately XXXX months ago said they would serve me at a specific time at my public records address. Nothing. NO paperwork has ever been furnished as proof despite requests, account doesnt exist with american web loan, not on credit report, Nothing.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portofolio Debt collector is trying to collect a debt that is not owed. It is on my XXXX  credit my XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Wells Fargo account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with Wells Fargo but that was closed. Nothing owed. 
Could this be another fake Wells Fargo account - at a different level? The debt collection company name is : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect Wells Fargo Bank account number XXXX. XXXX file # XXXX {$1500.00}

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