BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-05
Company: BB&T CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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 status incorrect

Complaint:
My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXX reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The copy of the deed of trust that Select Portfolio Servicing ( " SPS '' ) has provided to me references a promissory note signed by both myself and my spouse and none of the copies of the promissory note that SPS has provided were signed by my spouse. See attached letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date, despite only being able to provide copies of an invalid deed of trust, SPS has refused to provide any explanation as to what authority it has to proceed with the trustee sale currently scheduled for XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
There are many mistakes appear in my report without my understanding.

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 2022-03-15
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hi, my name is XXXX XXXX in which there is a Onemain secured loan on my XXXX credit report that I did not apply for and my identity was compromised. An ex-spouse had stolen my identity to apply for this Onemain loan in which I didn't find out about this until a few years later when it hit my credit report as a collection. I didn't know that you were able to dispute debt and paid off this charge off in one big bulk payment in panic and uncertainty. This loan was opened in XX/XX/2016 and if you go through my records there have been no payments from any financial institution in my name and this is not my account neither does it belong to me. This was fraudulently opened in my name and I would like Onemain financial to remove this debt/loan that I never took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: WHEELS FINANCIAL GROUP, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My current XXXX  credit report shows inquiries on XX/XX/XXXX and XX/XX/XXXX that I dont recognize and did not authorize. I have sent written notice to the business listed below that I did not authorize these inquiries and requested that they be removed immediately. The written notice was sent on XX/XX/XXXX with delivery confirmation. Also, the inquiries were removed from my XXXX   and XXXX  reports but still remain on my XXXX  report. 
These unauthorized inquiries are having a negative impact on my credit score/report and have been cited as reasons why I have been denied credit. 

Name of Business : XXXX XXXX/XXXX  ( aka Wheels Financial Group, aka XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016, I went on XXXX due to a lower back injury I suffered on the Job. 
I started receiving social security XXXX benefits. Due the hardship of my financial situation, I request a mortgage modification. Quicken loans, put me through a trial period of payments, ( Which I completed ) Then Quicken loans ask me when will I be ready to sign the NEW mortgage modification documents. I stated to quicken loans that my ex-wife and I are no longer together and we are in the process of a divorce. However, Quicken loans persisted that my ex-wife needed to sign the new mortgage modification. 
I explain to quicken loans that my ex-wife is in XXXX, MA and it will take some time to locate her. When I was able to locate her ; I had her sign the quitclaim forms. This quit claim forms was drafted by my attorney. ( Please see scan 1 ) Once the quitclaim was filed with XXXX county register office and accepted. I forward a copy to Quicken Loans. Now Quicken Loans is stating that proper wording was not used in the form. ( Please see scan 2 ) Then Quicken loans forward me an email showing the wording they want on the quick claim. Then my attorney cut and pasted the exact wording they wanted. ( Please see scan 3 ) Then I forward them the new quitclaim with their wording, just to make sure before I go crazy again looking for my ex-wife in XXXX, MA. Then today XX/XX/2016 they state, that the wording is still incorrect. I 'm filing a complaint because it looks like quicken loans is trying to set me up for a foreclosure on my property. Plus my ex-wife name was not on the deed and she is not on the title of my home, however they still want her to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: McCarthy, Burgess & Wolff, 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:
I was a XXXX XXXX customer with no contract. I was billed monthly in advance for service. I cancelled three days into the billing cycle and was told I would receive a pro-rated bill by XXXX  customer service. I never did receive the pro-rated bill. I called customer service and was given the run around, transferred from one agent to another for over an hour. One agent even said I was not billed in advance, I asked her to look at the bill, it clearly show the dates of service I am being billed for. I told them I would be more than happy to pay them what I owed but I will not pay for services not rendered. I have the original bill with notations of the dates I contacted them, in good faith, to resolve the issue. They threatened to put me in collections, that when I hung up. Now, almost a year later, I received a collection letter. I also checked my credit report and my score has decreased as a result. Dates of service being bill for were XX/XX/19 through XX/XX/19. I called XXXX   on XX/XX/19 to cancel. The agent I spoke to on XX/XX/19, after receiving another bill for the full amount, even acknowledged he sees a record of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Upstart Holdings, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently switched banks, but was unable to swap all my payments over in time. 
When I realized I was late, I scheduled a new payment to replace the one missed. However apparently their app set it for a further date in the future because I set it up as an autopay rather than a one time so I didn't miss future payments. 

When I realized this, I went back and paid the past due account within the grace period for reporting, but apparently not for fees, which was not clarified or charged when I paid my balance for some reason. 
Sometime after, this company charged me a late fee, then reported that late fee as more than 30 days late owed balance ( they set the due date of the fee back to the original missed payment date, not when the fee was charged to ding my credit ). 

Not only is their communication around the fees abusive, their app and lack of communication and notifications around a missing fee, does not constitute a missed " balance '' to be reported against credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently settled by {$4600.00} collection with bank of America for {$3000.00} on XX/XX/XXXX. During the settlement conversation, I was advised to call back on Friday XX/XX/XXXX to verify that the account status had been updated to settled so that my mortgage company could have the three bureaus call in to verify the same. The urgency is due to me needing to close on my new home but the updating of this account is the only thing delaying this. When calling today, the representative that I spoke to would not clearly verify that the account read as a settled account nor would she transfer me to a supervisor upon requesting to be. I settled an account that in a few months would no longer be on my credit report due to the 7 year rule with FCRA in hopes of having this resolved quickly. But now I am getting conflicting information and can not get the account verified as settled.

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 2016-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan is under Select Portfolio Services and has been under loan modification review with " complete package '' confirmation letter received by mail for a loan modification since XXXX XXXX, XXXX. In total, I 've received XXXX mailed letters confirming they 've received a " complete application '' for a loan modification evaluation back in XXXX XXXX, XXXX and XXXX XXXX, XXXX - but they ( SPS ) keep asking for clarification on subjects like " growth income '', " net income '' and payments dates that can be clearly seen by the earning income statements that have already been sent to XXXXXXXXXXXX. 
My mortgage is under foreclosure status since XXXX XXXX, XXXX and I may have a foreclosure day anytime. I believe Select Portfolio Services is stalling and purposely delaying the loan modification review to have a schedule foreclosure date on my mortgage, living little room for negotiation or further options if a loan modification full review is finally reached. 

On XXXX XXXX, XXXX I received another letter confirming they have received a " complete package '' for a loan modification evaluation and review - and, yet again, they keep asking for additional information. XXXX XXXX I clarified their questions verbally and sent an email XXXX XXXX to XXXXXXXXXXXX clarifying pay stubs growth income and net income which can easily be identified by any competent underwriter under loan modification review. 
In conclusion, I believe " unfair practices '' and " negligence '' is of presence in my mortgage account with SPS case. I can have a foreclosure schedule at anytime now and I am afraid Select Portfolio Services is using unfair practice tactics to foreclose on my account without a proper, complete HAMP evaluation which I qualify according to local bank underwriters'.I need assistance from federal authorities effective immediately due to this case malpractice and Select Portfolio Services history ( fines, lawsuits ) due to negligent practices with loan modifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Icon Equities, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
ICON Equities sued me in the State of Alabama and received a Default Judgement. At the time of the filing and judgement, I was not notified nor was I living in the State of Alabama, I was living in North Carolina, where the statute of limitation on debt is 3 years. I contacted the Firm XXXX XXXX XXXX, XXXX representing ICON Equities on XXXX time XXXX Eastern  spoke with a XXXX XXXX who told me the case was closed due to me being in North Carolina the firm has my correct address. I contacted XXXX XXXX XXXX today on XXXX. The court explained to me that the judgement is still open. ICON Equities has not withdrawn the case.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-15
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received written correspondence on XX/XX/XXXX, via USPS from XXXX XXXX Tax Collector indicating that our property taxes had not been paid which were due to be paid by BSI Financial ( mortgage company ) from our escrow account on XX/XX/XXXX, and late charges and fees were/are accruing. 
XX/XX/XXXX, I telephoned BSI- explained the situation to XXXX who said he would forward it to their tax department. He also asked that I send by email the pertinent correspondence to XXXX XXXX XXXX which I immediately did. 
XX/XX/XXXX, I telephoned again after not receiving any reply via phone or through our web portal w/BSI. Spoke with XXXX. Again, I was asked to email the information and I sent it again. 
XX/XX/XXXX, I telephoned again, spoke with XXXX. He told me that his " system '' indicated that the funds had been disbursed but said that didn't necessarily mean they had been sent. 
XX/XX/XXXX, I telephoned again, spoke with XXXX, and asked who in a supervisory role I could speak with the expedite a resolution to the ongoing problem. He transferred me and I left a voice mail for XXXX. 
XX/XX/XXXX, I had not received a return call so I called XXXX at extension XXXX and left a voice mail. 
On XX/XX/XXXX, I sent written correspondence via USPS with all of my supporting documentation to BSI at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
On XX/XX/XXXX at XXXX XXXX XXXXXXXX, I received a call from XXXX, had to explain the entire situation to him. He assured me that all would be taken care of. 
Today, XX/XX/XXXX, no funds have left our escrow account. I confirmed with the XXXX XXXX Tax Collector that no monies have been received for payment of our property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!!

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
fraudulent inquiries and inaccurate account information

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 2015-11-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.

Company response to consumer: Closed with explanation