BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 

It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. 

My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.

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 2024-02-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Freedom Mortgage ( XXXX ) loan has an escrow account to pay for home insurance. My policy expired in XX/XX/XXXX, and I was notified that no payment was made to renew the policy. I called Freedom Mortgage at that time and gave them the payment and account information for XXXX in a recorded phone conversation. 

XX/XX/XXXX, I was surprised to learn that my XXXX policy had lapsed for non payment, but could be reinstated. I coordinated a 3 way phone conversation with Freedom and XXXX from which Freedom acknowledged they would pay to reinstate the policy. This conversation is on record, and can be verified, as one of Freedom 's agents did for me. 

At the end of XXXX, I learned that my XXXX policy was never paid or acted upon after the XX/XX/XXXX call, and Instead I was placed on expensive Lender Forced insurance because they claim, XXXX notified them that I had canceled my policy. This is untrue. I am asking Freedom to reimburse my escrow account the Lender Forced insurance fees but they refuse and do not produce the document to back their false claim.

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 2024-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 my credit report it shows XXXX XXXX with XXXX late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I took out a loan in XX/XX/2023, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records

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 2024-01-31
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit reporting 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 i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from XXXX  XXXX and XXXX from something called synchrocity or something like that.

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 2024-01-31
Company: Higher Education Servicing Corporation, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, I am writing to lodge a formal complaint against Higher Education Servicing Corporation ( HESC ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score.

HESC has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with HESC on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. HESC corrects the inaccurate reporting of my payment history immediately.

2. HESC is held accountable for the mismanagement and incorrect furnishing of consumer credit information.

3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Synchrony Bank to let them know that I wanted a paper bill without the charge of {$1.00} a month for the paper bill. I also asked can they provide to me in writing where it states in the terms and conditions that they can charge me this {$1.00} each month for providing a paper bill. They told me that they can change the terms when they want and that they could not provide that in writing. I think that this is ridiculous and that this should be investigated to find out how a bank can change the terms and the consumer is supposed to bow down to their conditions.

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 2023-12-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX  I moved out of my apartment at XXXX XXXX XXXX after the owner sold the property to a new manager who walked into my apartment unannounced while I was getting out of the shower, in what it seem to be an attempt attack me. I screened and immediately asked that he leave. The next day I advised them I would be moving out of the property as I was on a month to month lease and could leave at any time. I also never signed a new lease with the current owner. The management then attempted to stop me or punish me by posting an unlawful detainer as he advised he would mess up my credit if I tried to leave. We went to court and I won the judgement, where it was decided I would not owe any money and could leave the property with no repercussions, the documents were also sealed advising me that this would not be allowed on my credit because there was no money owed, the judge also stated he has no ground for an unlawful detainer.I signed a new lease with another property in XXXXXXXX XXXX XXXX  and no longer lived at XXXX XXXX  when 4 months later a collections for {$4000.00} Appeared on my credit. When I contacted the management company to asked why this was there they refused to tell me what it was for, I asked that they send me information to verify the debt and they never did. I have been disputing this for years and it only remains on XXXX as it was found to fraudulent by the other 2 credit bureaus. This is not accurate preparing or accurate information. I would like to file a complaint against XXXX but also the Fidelity Credit server and XXXX XXXX XXXX for fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I contacted Amerihome Mortgage upon finding my loan servicing had been transferred to XXXX XXXX. I spoke with XXXX customer service reps during a call on XXXX  XX/XX/XXXX without any resolution about my information being transferred to a company who had experienced a serious data breach of PPI information in XX/XX/XXXX. I was told it was too late that XXXX XXXX already had my information. I then contacted XXXX XXXX ( XXXX of Amerihome ) via XXXX messaging and stated that I did not believe they were performing their fiduciary responsibility by selling any loans to XXXX XXXX. I was then contacted by a VP of Customer Experience, XXXX XXXX who I spoke with on the phone. She told me the packaging was done in XXXX for some XXXX plus loans. Again, Amerihome by selling my loan and thousands of others to XXXX XXXX clearly failed to protect my PPI by sending it to XXXX XXXX. I am now in a position I did not create and forced to do business with a company who clearly failed in their XXXX  protection of PPI.

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 2024-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
i went into the branch to make an international wire transfer. was informed their system was down but that i could easily make the transaction myself at home. i explained that it was for a lot of money ( XXXX ) and i was nervous about doing it myself. i was assured by the banker that it would be fine. i initiated the transfer that same day, XXXX XXXX XXXXXXXX i received a confirmation email stating that the transfer was underway. 2 days later i was informed by the recipient that the funds had not been transferred. i went into the bank again and sat down with a banker to resend the wire and discovered that my entire account had been frozen. The fraud department had not bothered to call me but instead just cancelled my transaction. when the banker resent the funds on the XXXX XXXX XXXX XXXX rate had changed and the transaction cost me an extra {$1800.00} to send the same amount that i had " sent '' XXXX days before. im asking the bank to refund me as there was no attempt to contact me on the day i initiated the wire. XXXX also sure steps could have been taken inside the branch on the day of my initial transfer to make sure it was not cancelled. possibly a simple phone call to the fraud dept stating that i was going to be making this transfer. the bank let me down and has cost me a lot of money.

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 2024-01-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We secured a loan from XXXX XXXX for the purpose of renovating our pool, having been approved for a loan amount of {$75000.00}. Subsequently, we initiated the remodeling project. Unfortunately, our experience with the pool company engaged for the work proved to be highly unsatisfactory, leading to ongoing litigation due to their subpar craftsmanship and failure to fulfill their contractual obligations. 

Despite consistently making payments for a {$75000.00} loan to XXXX XXXX over the past 12 months, it has come to our attention that only approximately {$18000.00} has been disbursed for the renovation project. This disparity raises concerns, particularly as our payments have consistently reflected the full loan amount. 

Upon seeking the release of the remaining funds, which our credit line has been approved for and shows up under our credit report, we encountered an unexpected obstacle. XXXX XXXX insisted on obtaining permission from the pool company involved in the ongoing lawsuit before releasing the remaining funds. This stance appears both unreasonable and ethically questionable, given that the loan is in our name and the adverse circumstances with the pool company. 

We request a prompt and fair resolution to this matter, as the current situation is causing undue financial strain and hindering the completion of the renovation project as initially intended. Your attention to this issue is appreciated.

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 2024-01-22
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Care credit was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.

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 2024-01-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
since XXXX of XXXX when I received first a mortgage increase from NEWREZ of almost {$400.00} a month higher. 
First error they were showing my taxes due 3 times a year that was corrected. 

Then they paid XX/XX/XXXX second half taxes in XX/XX/XXXX and I provided them proof which matches the withdraw amount from my mortgage analysis they sent on XXXX. 

But they will not remove the amount showing they are paying it again XX/XX/XXXX. I have already sent them evidence that the county shows they paid them ahead of time in XXXX. If they pay attention then my account is not short and I can go back to my regular payment. They will not even allow me to make my regular payment while they fix the issue causing a financial hardship to my household. I been dealing with this going on 3 months. Then I called the tax department at Newrez but their escrow and tax department have me going back and forth and do not communicate between each other as the tax department does show it paid. I keep asking why can't they communicated between each other and they said they can't. worst Mortgage I ever heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had an arrangement to pay {$260.00} to get the loan one payment up but unfortunately my check didnt drop until today. I called to pay and was told that they charged off the loan this morning. When I asked for options I was told to either pay in full or 4 months payments of {$6000.00}.

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
Consumer complaint received 2024-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2023-12-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALLY FINANCIAL has an account reporting to my consumer report inaccurately. Ive reached out multiple times to fix this issue and get nothing but violations of my rights. This debt isn't mine. I want this account REMOVED from my consumer 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