BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable  Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable  adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Information belongs to someone else

Complaint:
Many many time I called Experian about few error on My Credit Report I explain to them with Phone, Online Dispute and letter, they starting for dispute and aggrege on my Explanation but unfortunately after few day on dispute every back and noting change this is all I had Disputed : 1 ) XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I reported this is fraud identity and never apply this credit card 2 ) XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) I reported this is fraud identity this is for my ex-wife who used my information and keep stay there for few month more 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reported wrong because I paid everything on my insurance car after change my insurance to XXXX but still they charge me under Law as soon as change your insurance automatically on system shows when I change my insurance but they said No you have to call us to cancel your insurance 4 ) XXXX XXXX  this is Car loan They repossession my car XXXX XXXX dont send me any letter to inform me they want sale the car after 40 days they sold the car I called them to pay my payment and they said already sold it Under California Law Bank should to give me notice to inform me they want sale the car after that notice they have to wait 60 days to sale the car but they didnt and absolutely this is a illegals ' 5 ) XXXX XXXX  account # XXXX I reported many many time this credit is Business credit and open it under S Corporation and its not my responsibility to pay that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with 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 2018-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage through Wells Fargo. We were locked into a rate of 3.25 % for the property. Our offer was not accepted initially. A week later, we resubmitted the offer and when we went back to submit our loan application paper work, we were told the rate on the same property was now 3.5 % because rates had gone up. Had this policy been consistent with a previous loan application, it would not have caused us to submit this complaint, however previously we were told rates were locked to a property for 60 days. On a mortgage application with Wells about 3 months prior, we have documentation where a Wells employee told us that if we apply for a loan for the same property within 60 days, Wells has to lock you into the original rate. In this case, the IR had gone down between our initial application and when the loan documents were being submitted.
It can not be fair and honest that Wells Fargo refuses to lower mortgage rates when the IR falls, but insists on raising mortgage rate for an existing application when the IR increases.

As the mortgage business is already under scrutiny for the fees charged to lock rates, I wanted to check if this was a systemic issue and if Wells can be forced to honor their initial bait and switch 3.25 % I have all the documentation, including conflicting rules sent to me by 2 different members of the mortgage and customer service reps.

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 2018-08-07
Company: CITIBANK, N.A.
State: MD
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/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( 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 2022-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: TX
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:
BRAND SOURCE CITI - Incorrect balance/never updated.

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 2019-11-27
Company: JPMORGAN CHASE & CO.
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:
I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} JPMCB Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX   XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} JPMCB HL Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX   Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX  XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: SYNCHRONY FINANCIAL
State: NY
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 accorders with the fair credit report act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section : 2 it also states a consumer reporting agency can not furnish any account without written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The three credit report bureaus : Transunion LLC XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA 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 2022-08-27
Company: Experian Information Solutions 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:
EXPERIAN Report number XXXX despite all the all the evidence Ive submitted experian still reporting this identity theft accounts on my consumer report not only that this account don't belong to me but this account is also inaccurate the company failed to do a complete investigation on this matter experian sent me a dispute resulted that stated " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I would like a copy of the Permissible purposes certification that the FAIR CREDIT REPORTING ACT require Experian The CRA 's before reporting on the consumer report, XXXX  XXXX XXXX  # XXXX PHONE # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX CASE NUMBER # 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 non-monetary relief
Consumer complaint received 2017-06-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I sent Experian a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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 an 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 2017-06-13
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: Public record information inaccurate

Complaint:
Good morning, Im writing to complain about Transunion and   XXXX   not removing a public record. I called to verify with the courthouse in  XXXX , Ga and spoke with  two reps,  XXXX   XXXX  and  XXXX   XXXX  who told me that the  Us  court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk.   XXXX   removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (    XXXX   XXXX    )  on three different occasion to see if either Transunion or   XXXX    called and verified this public record and all three times they said no.  XXXX ,  XXXX  and  XXXX  are the months ive sent three different letters to these  two  credit bureaus asking them to remove these public records due to it damaging my credit profile. In  XXXX  I was turned down for a mortgage due to bankruptcy. If the  Us  bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on Transunion and  XXXX . Please assist me in getting these records 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 explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NY
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation