BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: DE
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several requests for XXXX in writing have been denied. Reason given : 1. Need at least XXXX years payment history ( we have more than XXXX, and now more than 2 years on this loan. We have never been late on any payment on this loan or any other loan dating back over 30 years. Reason given : The mortgage company 's " internal '' valuation of the property does not qualify. The loan balance is {$300000.00}. The value according to the mortgage company 's own website has been over $ XXXX for the past XXXX  months. Other valuation sites such as XXXX, XXXX, Offer Pad and others all estimate over $ XXXX. The property is a relatively new construction in a cookie-cutter neighborhood with regular sales comps for identical properties all sold for more than {$400.00} over the last XXXX months. This should be a slam dunk approval, but I keep getting run-around and stonewalling. Once a reason for denial is satisfied, another bogus reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: U.S. Auto Credit Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When XXXX disrupted our nation, I could no longer afford to make monthly payments to XXXX XXXX XXXX. So, I had to voluntarily surrender the vehicle ; after the loss of my job. I never received a letter of Explanation Of Calculation of Surplus or Deficiency until XX/XX/2022. All this time, since XX/XX/2022 ; US Auto Credit has been reporting negatively to the credit bureaus the wrong amount after the credit sale of the vehicle. 

I submitted disputes to all credit bureaus regarding this very issue. US Auto Credit has been charging interest since the credit sale of the vehicle. 

I only surrendered the vehicle due to the pandemic that swept the entire world, this was indicated as a national natural disaster. US Auto Credit with regard to furnishing incorrect information to the credit bureaus, is in error, and have violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
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:
Carrington Mortgage is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called Carrington Mortgage several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with Carrington Mortgage and their reporting has halted my chances of that of happening, I need this information corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Central Portfolio Control 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:
I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a XXXX XXXX. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a copy of my identytheft report Thanks for giving this letter your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; CXXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX 
Balance : {$0.00} ; XXXX  XXXX XXXX. Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX J # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX  XXXX XXXX of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/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 2023-07-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Its Best Buy credit card XXXX interest rate for 18 months ends So got new billing on XXXX Original bal. left was {$160.00}. New statement the bal. increased by almost 3 times of previous bal. With a XXXX % interest rate plus a fee charge of {$6.00} on new billing. Was expecting interest rate increase but not this high. Total amount on best buy due as of XXXX is now {$340.00}. Its ridiculous and outrageous cause financial harm. That's the gist of it. Okay then thank you verry much regarding this matter. 
Best Regards Cordially Best Buy XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX, MO. 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 2021-04-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi this is my 2nd complaint about this matter Im a poor XXXXyear old had my life savings stolen from my TD bank account ending XXXX and when I complained to TD and Investigator XXXX XXXX from TD was extremely nasty and unhelpful when I filed a police report they told me they have a lot of complaints on TD and they are the worst to deal with they dont protect or help fraud victims please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone has withdrawn {$3700.00} without my consent or permission out of my checking account. I had also went to the bank to try to resolve the issue with them and they just wanted to take me to court to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IN
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:
Hello. I had a hard credit check on XX/XX/22 and I did not know why. Instinctively, I didn't want to assume fraud/incompetence as maybe it was legitimate and I had forgotten why it would have occurred. After consideration, I could not think of a reason why it had been pulled, so I challenged it through Equifax the same day. I got back a response that basically made it look legitimate. I tried calling the bank this morning that originated the hard inquiry, and I got nowhere after being transferred multiple times and having a very difficult time understanding the person on the other end of the phone. I explained to the lady that I wish to understand if 1 ) this was fraud, 2 ) this was done in error, or 3 ) if this was legitimate and I can not recall the context. By the end of the call she just kept the call running ; didn't hang up but no longer was on the call. I kept the call running long enough to find out that I should now go to the CFPB with this issue, explained that to her ( who presumably was still on the call somewhere... ), and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I was renting a house my credit was pulled and I found out that Hunter Warfield, a collection Agency, had report that I owed them {$5100.00} in XXXX and {$5100.00} in XXXX  and XXXX XXXX. They had XXXX XXXX XXXX XXXX ( XXXX ) as the original creditor. 

I do not owe this alleged debt. They and XXXX had never tried to collect this from me nor notified me about this debt. 

In XX/XX/2018, I disputed the debt with Hunter Warfield, through certified mail with return delivery ( usps.com tracking # XXXX ), asking them to validate the debt because I do not owe this alleged debt. Returned cert, received showed that Hunter Warfield received my validation disputed mail on XX/XX/2018 at XXXX XXXX. But Hunter Warfield never responded and never validated the debt as required but kept reporting the debt in all 3 credit reporting agencies.

According to Fair Credit reporting Act ( FCRA & also FDCPA ), debt must be validated with 30 days after they receive my notice to validate. According to these Federal Credit Laws not validating the debt is an indication they are admitting what they are reporting is not true, false and/or fraudulous. The debt was then un-validatable and reported in error. The debt report was inaccurate and in error.

These Federal Credit Laws Stated that they must remove and delete inaccurate, false and error report from my credit record immediately. 

According to FCRA and FDCPA my credit record must be free from error and reported accurately and complete. 

Actually I did not even owe XXXX. They still had {$420.00} of my money to date. 

I want Hunter Warfield and XXXX to delete this un-validated alleged debt and inaccurate and false information from my credit record with all Credit Reporting Agencies immediately in accordance to the Federal Credit Laws, ACRA and FDCPA. And notify me when these inaccurate, false and error information are remove and deleted from my credit record. It has passed the required 30 day. It has even passed 150 days with no validation of the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

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 non-monetary relief
Consumer complaint received 2022-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Paying into an escrow account that I feel should not have been paid to Select Portfolio Servicing , Inc .

2. Paying Property taxes - no property taxes ( exemption due to XXXX since XXXX and age ) but the Mortgage Company withheld escrow for taxes and insurance from the time they acquired the mortgage.

3. Non-escrow account built and billed based on non-existence property taxes ( charging an escrow of {$6.00} x 24 months ( {$140.00} ) which should not exist because ; however, " the statement states that account has a monthly reserve requirement of 0 months - no escrow needed.

( 1 ) insurance is only {$140.00} ( paid each month by me ) with no increase in the last 3 years ( 2 ) no property taxes exist to be paid since ( XXXX ) - no taxes since becoming sole owner in XXXX 4. Can not understand the reason for the {$180.00} monthly charge to Escrow but only {$140.00} is needed for insurance, but Select Portfolio , Inc. shows a shortage in the Escrow account. Why?

5. Select informed me that I can not send extra principal payment without first calling Select Portfolio Servicing , Inc . In the past, I have always sent two checks : a monthly payment and a check for the extra principal but on the statement " No prepayment penalty '' XXXX Mortgage Payments : XX/XX/XXXX {$1000.00} for an extra principal ( check # XXXX ) and {$670.00} regular payment ( check # XXXX ) Should have been : {$1000.00} ( principal ) - and {$330.00} ( principal ) total = {$1300.00} NOT {$820.00} - - want to know where the money was applied for the month of XX/XX/XXXX and XX/XX/XXXX? 
XX/XX/XXXX - no statement provided for disbursement of money XX/XX/XXXX - {$1000.00} ( XXXX cents short ) paid for XX/XX/XXXX and XX/XX/XXXX {$520.00} mortgage payment applied for XX/XX/XXXX - {$6.00} to close the escrow account totaling {$530.00} {$510.00} applied to the principal account ( should not have been put in escrow ) because I did not request that of Select Portfolio ; however, no escrow should be owed because there is no escrow account ; therefore, payment should be applied to XX/XX/XXXX Mortgage Payment as verbally discussed with Customer Service on Monday, XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX Escrow Cancelation - Refund Due {$720.00} Insurance will be paid directly to XXXX XXXX XXXX XXXX by Mortgage Holder : XXXX XXXX XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} XX/XX/XXXX - XX/XX/XXXX Overpayment Shortage ( Escrow ) - Refund Due {$220.00} XX/XX/XXXX - XX/XX/XXXX ( {$180.00} x12= {$2100.00} - ( {$1700.00} Insurance ) = Refund Due {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Support Collectors, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They sent me a email saying I owed them money due to embezzlement from a previous company I worked for. This is not only slander but unfounded when I asked for proof they sent me like a screenshot of a transaction on XX/XX/2020 saying it would be their final attempt. I asked for more proof and they said thats all they had to provide me and put it on my credit as well. Obviously this is heinous and wrong as I did not embezzle anything and they did not want to provide proof or work with me. I want it off my credit and I want them to apologize in writing for putting me through this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an obvious scam letter in the mail from the company calling it Phoenix Financial Services on behalf of XXXX XXXX XXXX XXXX attempting to collect a debt for an unknown global medical response in the amount of {$1100.00}. There was no other information provided and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email from the company PHoenix Financial .Says i owe their money. I called them back in this morning and they say i called an ambulance before which i never did. they wan na me to call XXXX to solve this problem.i need help to solve this. i can provide any evidence you wan na to prove myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
I was robbed in 2016 at XXXX XXXX  by XXXX XXXX and ended up in the hospital. Went to the police station the next day and filled a report because theyd stolen everything I had on my person. Including my wallet I did file a police report. However that could only go so far. Im contacting you all because Ive notice many things on my report that doesnt line up and was told the best place to go would be here. So hopefully I can get help with this thank you All the best - XXXXXXXX XXXX XXXXXXXX

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