BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to sell the home that was granted to me through a will from my father. Over the past 2 months I have made several attempts to provide the information they need in order to discuss the loan and be provided with a pay off amount for the title company. I have hired an attorney, and I have had no luck communicating with this mortgage company. The home is under contract and set to close on XX/XX/XXXX. The title company and the law firm doing the closing have also requested payoff information and this bank refuses to provide us with the necessary information and amounts in which to pay off and satisfy this mortgage. This is a last resort in order to attempt to find a way to fully pay the debt that is owed on this house. 

Please note I have been working on this since XX/XX/XXXX. 

We have attempted to supply all information the bank has requested on multiple occasions and they refuse to confirm and/or acknowledge that they have received the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XXXX XXXX Toyota of XXXX XXXX WI XXXX XXXX would not provide the necessary documentation to my bank to cut a check for a loan I was approved for. They said they would not accept outside financing for a vehicle purchase and attempted to force me to sign for a predatory loan double the APR of the one my bank would provide. 

I submitted a build order in XXXX and they would also not move the sale forward until I signed a form which included " optional accessories '' I did not want including a protective coat called XXXX. I asked if I could have this removed at time of sale and they said yes I could. 

When I said I had financing they were noncommittal on accepting it and said I should just take theirs and refinance later. 

When the vehicle was ready these both turned out to be lies. They said I had to pay {$4000.00} for XXXX or I could not have the car. They have also turned down several people using outside financing. 

I felt this was a scam and did not go through with the deal and lost the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received attempts to collect a debt via mail that is not mine. The name on the debt is XXXX XXXX ( my name is XXXX ), date of birth does not match mine, and address listed on original debt is not anywhere I have lived. I have asked this company to quit contacting us at this address twice. I filled a cfpb complaint back in XX/XX/2023 and received a response that I would not get any more communications from this company, yet I just got another letter from them, dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: MRS BPO, LLC
State: VA
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, MRS BPO LLC reported a collection of delinquent payment to the credit bureaus, on behalf of a collection for XXXX XXXX This apparently relates to an account opened on XX/XX/2023, and which remains unpaid in the amount of {$530.00}. This is not my account and has no relationship to me ; therefore, the reporting is erroneous, or fraudulent. I do not have now, nor have I ever had, an account opened with XXXXXXXX XXXX. The obvious evidence against this erroneous report is that there is no credit inquiry and no credit account activity reported on my credit report. Moreover, due to multiple identity theft incidents, my credit reports have been locked at my request for years, and so no creditor can access my credit report with respect to any new request for new line ( s ) of credit. Additionally, I have had no contact from MRS BPO LLC and they have apparently made no effort to investigate whether this claim in fact relates to me ; if they had, based on the preceding information I've presented, they would recognize this claim is unrelated to me. Therefore, MRS BPO LLC is either in error or is contributing to fraud ; as such, and since this report is harmful to my credit score, which is exceptional, MRS BPO LLC must immediately correct this report with the credit bureaus.

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 non-monetary relief
Consumer complaint received 2023-10-27
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-12
Company: MoneyLion Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had just gotten paid the morning of XX/XX/XXXX XXXX was in process of paying bills at the time of this accurance, I get a text from money lion the institution I had my check direct deposited into saying my account was running low please deposit or make a transfer. I immediately logged on to find {$750.00} was missing from my account and was sent XXXX. I call the bank they say we will file a claim, XXXX days later a loan for {$500.00} was issued to whom ever when all said and done {$1900.00} is what XXXX account was saying that I owed. XXXX was contact only by email, they have no phone number stating that they need account info and date and etc, will investigate and respond as soon as possible, meanwhile between the XXXX institutions somehow a decision was made that no error accured. XXXX then contacts me saying I need to have the bank contact them with the information to do a charge back so I ask money lion they make me open another claim getting the same answer and told me that it's not up to them and the information was given but the no error accured decision was made and the charge back wasn't going to be made so I should ask for a refund. XXXX said they will only contact me if nessesary and fir me to get my money back the bank must contact them. A month has passed the companies seem to think I did this to myself and I still have not been refunded anything.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: MN
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:
Experian XXXX XXXX and XXXX  are validated my disputes with out investing

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 2022-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received credit monitoring alerts of changes to my credit report ( from various card issuers and XXXX XXXX ) over the course of this past week and reviewed my credit report via XXXX XXXX today ( XXXX XXXX, XXXX  ). 

There is now a mortgage listed that I did not acquire from " Selene Finance LP '' with a balance of {$380000.00} as of XXXXXXXX XXXX XXXX 

I called the number listed in the report ( XXXX ) on Saturday, XXXX XXXX XXXX around XXXX XXXX. I was transferred without my consent to a representative making a sales pitch for a medical device. After stating multiple times that I was not interested, I was transferred without my consent to a different number with a recording, indicating that to discuss the account, I must call XXXX. I called that number and heard a recording that directed me to call a different number to discuss the account. Given my experience thus far, I am now seeking help from the CFPB. 

I did not provide this company with my personal information, complete any application documents, attempt to acquire a mortgage from them, or consent to them opening an account on my behalf. I have not in any way had any contact with this company. I have a legitimate mortgage for a different amount through a different lender. 

This company appears to have obtained my information fraudulently, and is engaging in deceptive practices to avoid speaking with me. 

The contact info reported with the account is : SELENE FINANCE LP ATTN CUSTOMER SERVICE RESEARCH XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time. 
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax  office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made. 
I did make another call to XXXX XXXX  XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes. 
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$78.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a mattress from Mattress Firm in XX/XX/XXXX. The promotion offered was interest-free financing for purchases over {$2500.00}, with no expiration date. Monthly payments were {$29.00} and Synchrony Bank financed the purchase. 

My XX/XX/XXXX and XX/XX/XXXX statement reflect this. Then a steady increase in monthly payments can be seen from XX/XX/XXXX through XX/XX/XXXX. {$90.00} is the new minimum amount due. 

When I asked about these everchanging minimum payments with customer service, I was told costs would revert to {$29.00} monthly once credits were applied to my account. This did not happen and today, XX/XX/XXXX, I was told the monthly {$90.00} is because my promotional offer required repayment in 36 months, and my new monthly payment would be {$90.00} going forward. 

The promotional offer I accepted was 0 % interest until the item was paid off. On my statement ( s ) in the Promotional Purchase Summary, Promotional Expiration Date displays UNTIL PAID OFF on the same page ; at the bottom, it also states No Expiration Date ''. Billing statements from XX/XX/XXXX to the present show the same. If the promotion were for 36 months or any other period, it would be reflected on my statements, and its not. Further, this can be seen on Synchronys website instructing customers How to Read a Statement. 

This change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement? 

I requested that Synchrony Bank adjust my account to reflect the promotional offer I accepted accurately, the one shown on my statement for the past six months with a {$29.00} minimum monthly payment until the item is paid off, with no expiration date. They have refused so I am asking for your assistance. This feels like a bait & switch. 

I have attached my XX/XX/XXXX statement and XX/XX/XXXX. I have additional documentation if needed

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I received a letter and application allowing me to discount my mortgage and loan rate without any refinance implications. 

I promptly completed the letter and sent it back assuming my rate would be reduced. 

I have just noticed that for over a year they have not applied to agreed upon discount and have failed to respond to my requests for correction or direct me to the right place. 

It's been hours of being on phone calls and being moved around department.s

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 2019-07-11
Company: EQUIFAX, 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:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

Name of Accounts : XXXX, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

Company response to consumer: Closed with explanation