BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS BPO LLC. Said that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX, of 2021 which is not true. I do have XXXX XXXX XXXX, but I've been with them for 2 years now. These people keep hitting my credit for something I didn't open this year. And calling like crazy saying I owe them {$1400.00} dollars. Please can u help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I entered into an open end credit transaction with Apple Card to purchase a XXXX back on the XX/XX/XXXX. I allegedly owe a balance of {$1100.00} and Goldman Sachs bank has been calling trying to collect on it. I did not enter in a contract with Goldman Sachs, nor have they shown me a signature where I signed into a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-05-15
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Currently have a mortgage with Mr. Cooper. Since being with this company we have been scammed out of hundreds of dollars. Examples include : putting their own insurance on our home meanwhile we have mortgage insurance. We paid up our escrow account but was told our payments are going up. They pay our home insurance from the escrow account, but the insurance company has not received a dime and is threatening to close out our home insurance. We pay XXXX faithfully every month and on time, but was told our escrow account is in the negative and when disputing this claim no one has any answers. I want to be moved to another mortgage company because this one is practicing fraudulent practices. Why am I paying two separate insurances on my home and why is my mortgage going up and our escrow account is current. Also this insurance we pay to them isnt listed on any billing documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: BTH Management
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A small claim was filed on XX/XX/2023 appointment XXXX XXXX XXXX  being plaza services , LLC the assignee of XXXX XXXXXXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Plaza services , LLC claims to be a business of purchasing XXXX debt and is the signing of the original consumer loan between XXXXXXXX XXXX XXXX XXXX and XXXX the consumer loan is identified as account number XXXX assuming the account number has XXXX digits only. They also coin that high defaulting on the terms by failing to make payment on the XXXX XXXX account when do you. They also say the last charge or payment to the account occurred within XXXX years of filing this action. They say the current balance due XXXX the date of filing including any and all occurred interest is {$1700.00} beer they say that I refuse to pay this debt despite dude demand XXXX Plaza services LLC I would like to have all information verified and submitted as in person on our schedule court date, with a validation letter, when a lawyer review this this information prior to the imitation date. Please include all that is needed to verify the account and most importantly the amount of XXXX as I believe this is an error. 

I would also like to see an itemized Receipt of my debt being purchase directly from the original debate collect. If this all information are correct I will pled guilty if not I will counter sue for loss wages, research, gas, and other expenses. 

I get paid about XXXX an hour part time, receive XXXX, and building for a better future for me, you, and our people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref Complaint # XXXX Attaching all existing materials, adding the XXXX XXXX XXXX XXXX Truist claimed the complaint was sent by an unauthorized person, I am fully authorized by my mother to act as an advocate on her behalf and this approval is in the files at Truist. 
__________________________________ Truist as a XXXX XXXX  servicer purchased my home loan and failed to pay the flood insurance causing it's cancellation. A new policy is XXXX XXXX more expensive. This will be financially devastating for our family and force the sale of our family home. The prior mortgage servicer XXXX, they also purchased the loan and made all necessary escrow payments in XXXX without issue.In XXXX, SunTrust now Truist failed to pay, the insurance was cancelled in XX/XX/XXXX. A new policy is required by XXXX XXXX the policy will be at a XXXXXXXX XXXX increase to {$5000.00} up from the prior XXXX {$500.00} due to this escrow processing failure. XXXX XXXX had the address on fi XXXX as Truist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was provided by the servicers agent. They assure us they billed the address provided. Truist has acknowledged the error but has been unable to reinstate the policy at the prior rate which was a grandfathered rate. Truist had the fl ood policy number in their system, I believe they knew it was a XXXX XXXX ( aka XXXX ) underwritten policy. They contacted the wrong insurance company to gain 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 2021-02-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX  it states closed and current and on XXXX  and XXXX  closed and delinquent.

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 2023-01-10
Company: Experian Information Solutions 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:
Right now I am XXXX! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2023-10-03
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
The UWM ( United Wholesale Mortgage ) company has transferred my loan to another company, and I am unable to make contact through the phone or the website they have provided. The phone system from UWM is automated and directs me to a non-working phone number and the website of the " new '' company.

Essentially, I now have no information about my mortgage, and on their website, it states that my account is closed.

There are no available means to contact UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in my home since XX/XX/XXXX and have never missed or paid a payment late. My credit score is XXXX last I checked. I have requested that PMI insurance be eliminated from my payment, but XXXX XXXX XXXX XXXX refuses. They made me pay {$100.00} for a Broker 's Opinion on or about XX/XX/XXXX, but the value only came in at {$300000.00}, and although I paid for the opinion, they did not give me a copy or any of the supporting comps documentation. The broker that prepared the opinion is from the XXXX area ; three hours away from XXXX, TX where I live. Citizens One states I need to have a balance owed of {$240000.00} or less to have the PMI removed. I owe {$250000.00} on my mortgage ; there is no other mortgages on the house and at that balance, my loan to value is 84.2 % ; the XXXX needs to be 80 % or less. In XX/XX/XXXX, I received my XXXX Notice of Appraised Value from the Central Appraisal District of XXXX XXXX ( Texas ) and they indicated my tax value is {$330000.00} which correlates to a XXXX of 77 %. When I requested Citizens One to review this, they just sent me the same letter they did after the Broker 's Opinion. If XXXX County believes the values in the area are higher based on sales they have seen in the area, then they know more than some broker located in XXXX that is not familiar with this area. All I want is the PMI removed. I have paid XXXX years perfect ; nothing is going to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BARCLAYS BANK DELAWARE
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:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-03-16
Company: CAVALRY INVESTMENTS, LLC
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. XXXX reports shows that I have NO MORTGAGE and XXXX  shows an old mortgage and has it reporting as being closed. Experian shows the mortgage reporting accurately. Experian is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted XXXX  to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to XXXX and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XX/XX/XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of XXXX report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows Experian notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$83.00}

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 2021-07-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX  phone service years ago which I cancelled XXXX  kept billing me then charged me late fees on amonts I didnt owe them. This company tried to collect the dept i didnt owe. then put the amount on my credit report {$87.00}. I had this false information removed from my credit report in the year XXXX. In XX/XX/XXXX ENHANCED RECOVERY CO opened a new account for the same amount without ever contacting me and in XX/XX/XXXX put it on my credit report again. 
ENHANCED RECOVERY CO is commiting fraud and a violation of the law. 

Company : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ALLY FINANCIAL INC.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was a vitims is theft ally financial. I provide police report. They need to fixed this issues.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Week of XX/XX/XXXX, finding hotel for a trip, found one thru XXXX XXXX hotels, joined XXXX XXXX, dates for stay, when going to book room a promotional block came up for XXXX statement credit to apply for XXXX XXXX XXXX thru Wells Fargo. I did, was approved, received card XXXX. Used card at hotel XXXX thru XXXX. Statement received XXXX, no statement credit. Called Wells Fargo XXXX. They initiated a case. Email XXXX received. There was no promotion at this time. Called reopened new case XXXX stating above problem. Email XXXX  received, it is a XXXX XXXX responsibility they are the travel rewards company. XXXX Called XXXX XXXX, they deal with points only, ( I did receive points for stay, I can accumulate points, redeem for services etc ) they do not deal with moneys, I need to call Wells Fargo. So I did they opened a new ( 3rd )

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 2021-07-03
Company: DISCOVER BANK
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:
The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

DISCOVER FIN SVCS LLC ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Finance System of Toledo, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2021-04-03
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: Account information incorrect

Complaint:
XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.

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 2021-07-03
Company: EQUIFAX, INC.
State: GA
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:
Equifax is guilty of violating my rights under the Fair Credit Reporting Act, Section 609 They are not reporting all of my accounts despite the vendor 's timely notification. 

They are not accurately reporting my accounts, instead showing incorrect balances. 

There inquiries on my credit report I didn't authorize.

Company response to consumer: Closed with explanation