BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Report number XXXX and XXXX I disputed this back in XX/XX/XXXX and received a replied from you in XX/XX/XXXX, which stated no change could be made. I am requesting for the second time the removal of inaccurate names, addresses outdated entries associated with my credit report. 

My legal name is XXXX XXXX XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate, such the ID Number XXXX and XXXX. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 3 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report such ID Number XXXX and XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, and I request that this be reflected accurately in my credit report. 


Thank you for your prompt attention to this matter. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address Answer of my request through Experian report Proof of Letter sent to you asking to investigate and remove this inaccuracies.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report 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. please remove the following inquires 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, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA, 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 2023-12-13
Company: ClearOne Advantage, LLC
State: MD
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I entered into an agreement with ClearOne Advantage ( COA ) in XXXX. Nothing they've was guaranteed or true. For 53 months I've make ALL ON TIME PAYMENTS of {$970.00}. Initially it was 48 months and without notice it changed and then that tried to change it again. On each of the 4 accounts I entered into with COA they charged incredibly large fees were added to every account. None of the accounts were settled in a timely manner as promised. And to date all of the company 's are reporting negatively to the credit bureaus, which is costing me dearly with things like purchasing a car or getting a lone, etc. I filed a complaint with CFPB in XXXX, in which COA agreed to honor their contract for all the accounts. By the way they removed the contract from their site, luckily for me I downloaded it before they did it. To add insult to injury they did not honor their agreement and the last and largest amount owed. This company has sent me to collection ( XXXX XXXX XXXX, XXXX ), in the amount of {$18000.00} they exact amount that COA agreed to pay, meaning they paid NOTHING to this company. This added to my credit scores to plummet even lower. Customer service is dishonest and misleading and of no help whatsoever. I had no idea this company was not reputable. I received the information from XXXX XXXX as a suggestion, thinking it would be reputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: FC HoldCo LLC
State: NJ
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:
AS PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION. I, THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL ACCORDING TO 15USC 6802

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 2024-01-12
Company: COINFLIP LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XX/XX/, I fell victim to a multi-layered scam operation run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my XXXX by CoinFlip  account to fraudulent investment firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Hi, We have summited to our bank proof of insurance more then 2 months ago and they keep charging us for insurance and not refunding the escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Monthly payments not reported to credit bureau by loan company monthly as promise second time having too write a complaint about this 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 explanation
Consumer complaint received 2024-01-12
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Their phone lines do NOT lead to operations ; they go only to recordings. This has been the problem for more than 12 months. They only call after a complaint to your offer, which is a waste of tax dollars, your time, and my time. They do not reposed to 'Chat ' messages. It is a continuous sea to keep legitimate data out of the hands of consumers.

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 2024-01-12
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The funds in the trust account became mine as of XXXX XX/XX/2024. I filled out all requested forms, notarized signatures, etc. as requested by trust holder ( Wells Fargo ) well in advance of this date, as requested by trust holder. They confirmed that everything was in order, and I owed them nothing else. It has been 10 days, and not only do I not have my money, but I can't get any information on when they plan to transfer it to me. Numerous e-mails and calls have been fruitless.

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 2024-01-12
Company: Arivo Acceptance, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased the vehicle in XX/XX/2023. The lender reported the purchase. They have not reported a single payment since then, which is negatively impacting my credit. They told me in XX/XX/2023 that they were working on it, and should have it resolved in 60 days. It is now XXXX and I'm being told the exact same thing. I made this purchase NINE MONTHS ago. They should have this resolved by now. I am trying to purchase a home, and this is preventing that! 

I have attached screenshots showing my payments, and that my account is in perfect standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Subject : Request for Immediate Action on PMI Removal and Escrow Recalculation from my mortgage. 

I am writing to express my concern and dissatisfaction with the recent experiences I have had with my lender NewRez Llc. I believe that the practices currently in place are not only causing undue financial strain but also seem to be contrary to the principles of fair lending and they are becoming predatory lending because it affect my capacity to pay the mortgage. 

On XX/XX/2023, I requested the removal of the Private Mortgage Insurance ( PMI ) from my mortgage. However, I was informed that I would need to pay for a new appraisal. The cost of this appraisal negates the very purpose of my request, which is to reduce my expenses. 

In light of this, I made a second request on XX/XX/2023, for the removal of the PMI. In this communication, I also asked for specific references to the law, rule, or clauses in my loan contract that necessitate a new appraisal for PMI removal. I am yet to receive a satisfactory response to this query. 

Prior to my request for PMI removal, I received several emails from NewRez indicating that the market price of my house is {$430000.00} and above which they want to use as market offering me a re financing since they knows that I have positive equity in my loan. The price of {$430000.00} would make my Loan-to-Value ratio ( LTV ) significantly less than the 80 % threshold required for PMI removal. It's worth noting that my LTV was less than 80 % even at the time of loan approval, with a loan amount of {$310000.00} against an appraised value of {$390000.00}. 

My property has not suffered any damage, as can be verified through public records. On the contrary, I have made several improvements to my house, which should ideally increase its value. 

Another issue of concern is the handling of my escrow account. Despite a reduction in my house insurance premium fees in XX/XX/2023, there was no corresponding decrease in my escrow payments. I was informed that NewRez recalculates the escrow only once a year in XXXX. This predatory lending practice results in me paying more towards escrow than necessary, creating unnecessary problems in my capacity to pay the loan. 

These issues collectively create an environment that makes it challenging for customers to manage their mortgages. It gives an impression of predatory lending practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: SYNCHRONY FINANCIAL
State: IN
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 has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?

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 2024-01-11
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
NewRez sent several letters notifying me that I didn't have proper hazard insurance on my condo. 

This was after they dropped my insurance once they took it over. I responded the first two times that they were incorrect and that my insurance, again, that I had to reactivate because of them, was already in place and contained the required hazard provisions. They have the correct information because their error forced me to reactivate. 

I also submitted evidence of the policy to the URL they told me to use in their notices. They still withdrew {$600.00} from my account on XXXX and said they were not properly listed as the mortgagee. I called my insurance provider, and guess what? NewRez was listed as the mortgagee. My declaration also has a note from XXXX ( the policy began XXXX  ) stating the policy was amended, which is the date NewRez was put on the policy after they dropped my coverage during transfer. 

I had to call their investment department to get anyone on the phone. Now I'm resubmitting paperwork they already have and hoping they refund my {$600.00} back. Horrible, horrible company, which tracks with everything else I've seen about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE Credit Acceptance

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 2023-12-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-06
Company: Relay Financial (US), Corp.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a business checking account with relay financial they made me jump through all these hoops and loops and did this extensive verification with lots of extra steps just to open account in XXXX of XXXX finally once opened I deposited {$100.00} and tried using debit card for months I couldnt use the account kept calling customer service getting the run around then on XX/XX/XXXX they sent me a email saying they are closing my account for no reason and sending me a check on XX/XX/XXXX its XX/XX/XXXX and no check received no response from customer service and the {$100.00} still sitting in account refusing to send it back and account locked I deposited a legit check for XXXX $ they played games for 10 days then accused me of altering the check this bank is garbage and a bunch of crooks nothing but excuses and stories delaying me and hindering my business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-19
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Central Bank repossessed car after denying that my XXXX payments made through their payment website within XXXX month of " late '' pay issue. They offered no assistance in correcting issue. The bank also ordered the repo 5 days in advance ; over a monday bank holiday, after banks closed on sunday, and banking half hours on saturday ; in which i had tried to make payments on more than XXXX occassion ; after being denied a 'receipt ' on account payment from loan dept. over phone, as well as, by the live cashier in the bank lobby ; Resulting, at XXXX, a call arrangement in agreement with loan mgr at my local bank- if i was paying cash-by XXXX ( tue ) that day. The repo driver at XXXX that night, who told me that the order had been issued " a couple days ago '' : ( which would have been XXXX holiday mon, XXXX sun closed, XXXX. Sat half hours, and day # XXXX *Fri for mgr at bank to work that day ) that i " deserved what i was getting bc i 'had not paid my car loan ' ". First of all!!! I Did Pay {$500.00} in previous XXXX weeks to that loan that was current to that date!! Second!!?? WHO IS HE TO TELL ME THAT I DIDN'T MAKE MY PAYMENTS and THAT I DESERVED ANY!! THING THAT HE ( uninvited/tresspassilng ) could or WOULD DO TO ME AT XXXX PM ON MY PROPERTY??? 
I live XXXX min from my bank, WITHOUT MY CAR, after a holiday, and, after, this so-called, bank had shut down all XXXX of my XXXX year old accounts and deleted my account history from the only bank that i had any financial accounts with!! ( Now, no ride=Unemployed ) i had to find and secure a {$7000.00} 'cash ' loan and get to an open bank XXXX. in less than XXXX hour.?XXXX XXXX XXXXsure.

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