BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying for months to receive a statement from the company. I've called and I've emailed, but still no statement. My last statement was in XXXX of XXXX and we're now going in XXXX of XXXX. I recently receive a letter stating enclosed was my statement, but no statement was included in the envelope. Basically I'm paying blindly with no information whatsoever. I need to be able to see my statements, either online or have them mailed to me. I was told that the statement would be available for XXXX and when I just checked, again the site is only showing my last statement which is again XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CO
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 am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} I have not received any response from Experian regarding this matter to date.

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 2021-05-18
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple Bank transitioned to BBVA Bank, which I was told would be " seamless. '' Over a week has gone by since the " transition '' and I still can not access my account. BBVA does not answer the phone and does not have any other way to contact them. When I try to log into my account, I'm told my account is locked. When I reset my password, I'm told to call customer service. When I call customer service, I get a recording saying Simple customers will be helped soon. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-05
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I revoked my ACH on XX/XX/XXXX with Avio Credit. I got confirmation from them via email on XX/XX/XXXX. I talked with a representative confirming they would cancel on XX/XX/XXXX the ACH for XXXX. They still took out the money and admitted that I had confirmed it wouldn't hit my account. I was going to make a final payment for the balance. They are now saying I had to cancel with them over the phone and the email confirmation doesn't matter. I did call and cancel over the phone and they said that doesn't matter because I had a " promise to pay ''. I asked how I cancel that and they said email and call. Which I did. 

Charge was {$200.00} on XXXX to my checking account with XXXX XXXX XXXX XXXX 

They are predatory and abuse their ability to pull funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS XXXX. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applying for a mortgage refinance and the the broker identified below from Amerisave provided misleading information leading to me disclosing personal information I would not have disclosed had he been transparent. Specifically we exchanged several emails and texts and where Mr. XXXX informed me my total fee would be {$4000.00}. I specifically asked if this amount included " appraisal, title and recording, and discount, origination, and all other lender fees. '' He responded in the affirmative, stating " the only fee we take up front is an application fee which is credited back ... .and the appraisal fee of {$440.00} is included in the {$4000.00}. '' Based on this, I agreed to provide my personal information ( SSN, income, etc ) so he could initiate the full loan application. The loan estimate he provided at that point included ~ {$1300.00} in additional fees ( including the appraisal fee ) on top of the {$4000.00} he quotes. All of these fee are in one was or another " appraisal, title and recording, and discount, origination, and all other lender fees. '' He tried in many ways put the blame on me because I never asked specifically for the total closing costs. This is disingenuous and not working in good faith at best, and more likely misleading and potentially fraudulent behavior. 

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX TX 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 2023-06-17
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 I received a notification from EQUIFAX that a new account was added to my credit profile by XXXX ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted EQUIFAX about the new account and I advised the EQUIFAX representative that was not my account and that account was a fraudulent account. EQUIFAX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Bank Account that belonged to my mother was garnished because my name was on the account. When my mother did an injury why her balance was so low on her account the bank told her about the garnishment. The bank gave my mom the information to call and find out what happened, That's when she was told that there was a judgment against me from a debt from 20 years ago. 
I was never informed of the debt nor the judgement. I did not receive any information regarding this debt or that I was being sued. 
Had I known that I needed to appear in court I would have gone. NO paperwork was ever sent to me regarding a court date. 
When I received the information I called Harris and Zide that is who filed the judgment. I was told that they don '' t have to notify me that they are suing me or of the court date. 
I asked about the account in question and all I was told that it was too old and they didn't have the information, I asked them how then can you sue me? I was told that they can

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with experain, XXXX and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances 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 COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
DEAR CFPB ; CRA 'S ; XXXX XXXXXXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Notice of Sale Postponement was received date XXXX from foreclosure attorney XXXX XXXX XXXX XXXX XXXX, XXXX PHH mortgage sent the Trial 3 payment modification plan with our 1st payment starting XXXX. We have made the trial payments and recently received property foreclosure letter. We have done what PHH required of us to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: General Motors Financial Company, Inc.
State: NJ
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:
reporting 3 hard inquirys on my credit reports I never applied for a loan with them dates are. XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX that are the inquiries on my account they must be Removed at once from all 3 credit Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
At XX/XX/2017 market close XXXX traded at XXXX. I am concerned about the ability of XXXX to continue as a going concern. It is time for XXXX-DiTech to advise its debtors about the transfer of loans when XXXX ceases to function. How will the likely XXXX bankruptcy be handled? How are the debtors to prepare for the transfer of their loans? How many more months does XXXX have before it is delisted from the 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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted a Wire through Chase Online bank on XX/XX/XXXX. The wire completed same day according to Chase mobile app. I submitted a second wire on XX/XX/XXXX and that wire was was received and credited to the recipient account. I have waited for the XX/XX/XXXX wire to arrive and through multiple calls throughout multiple days I get the run around that the wire is completed. Both wires were sent to the same exact address using the same wire template. I had previously submitted wires to the same recipient with no delay or issues. I needed that money today and no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Truist closed my business checking account. And they have refused to give me the balnce of the account after closure. This is criminal and illegal and they no right to hold on to funds that do not belong to them

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting act XXXX Account #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I notified XXXX and TransUnion by mail of my only existing name, address, phone number, and Employer in XXXX of XXXX. 

My XXXX report as of XX/XX/XXXX still shows XXXX different names ( all of which are incorrect ), 3 different phone numbers ( 2 incorrect ), and employer I do not work for. I have made several attempts to contact XXXX by phone since and have not gotten through. 

My TransUnion report as of XX/XX/XXXX still shows the wrong Employer. I have made several attempts to reach TransUnion by phone sine XXXX of XXXX unsuccessfully.

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 2023-07-21
Company: EQUIFAX, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX DOB XX/XX/XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.

Company response to consumer: Closed with explanation