BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: GUARANTEED RATE INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An end of the year escrow analysis was done on my mortgage by Guaranteed Rate. It was determined that they owed me an escrow refund of {$580.00} which was supposed to be sent on XX/XX/2021. 
I have yet to receive the check and have called the company 10+ times and have easily talked to 20 different customer service agents including supervisors and supervisors of supervisors. They have claimed to reissue the check several times but then will later backtrack that sentiment. 
It has now been 90 days, I have wasted a ton of time, and exhausted all my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
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:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I recently checked my credit report and found that someone had been applying for something in my name. I have already notified the credit bureaus regarding a fraud alert. These are the three inquiries that I located that are unverified and unauthorized : 1. XXXX  Date of Inquiry:XXXX 2. XXXX  Date of Inquiry : XXXX 3. XXXX  Date of Inquiry : 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 2020-02-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
on XX/XX/XXXX Equifax reported from XXXX XXXXXXXX XXXX stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by XXXX XXXX XXXXXXXX XXXX, XXXX  to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by XXXX XXXX XXXX XXXX XXXX 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but XXXX XXXX XXXX XXXX XXXX refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ALTERRA GROUP, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX - home closing was to be on XX/XX/2019 according to all signed contracts. 

I am the seller, I was told first of all that the closing would be early XX/XX/2019, then pushed back to XX/XX/2019 due to buyer gift money. 

Loan office XXXX XXXX communicated with me several times on Friday XXXX assured me that the file would be sent to title on the XX/XX/XXXX which did not happen, XXXX central time was told again now the file should be sent on Monday at XXXX central time. Now it is XXXX central time and no file and no call back on the status of the buyer loan. No communication at all to provide an update. 

The name of the mortgage company is XXXX XXXX XXXX I have requested that two letters be written 1 ) My existing mortgage company with an explanation 2 ) A letter in regards to a major purchase XXXX XXXX XXXX or 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 2022-10-03
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
So I have been credit card fraud it I have reported this to the police I have hired XXXX XXXX  this was a charge off on my credit I have sent 10 certified mail to this company called cavalry portfolio services , LLC XXXX XXXX XXXX, XXXX, AZ XXXX I have certified these people mail regarding this matter they have mailed me a form asking me to send it back I did that as well along time ago XXXX XXXX has challenged these people and ask them to quit harassing me and they still are regarding this matter I have asked multiple times for them to understand I was credit card fraud and they dont seem to care they want their money I wrote you guys about this matter but at that time it was through XXXX XXXX has hired this company Ive sent a complaint into your company about XXXX this is my second complaint that Ive written I had XXXX preferred diamond card that was stolen when Covid broke out I had to XXXX XXXX cards as well and I had a XXXX card my identity was stolen so I have been trying to work on my credit and fix all of this as a matter fact Im not sure exactly which one of these bills is which with XXXX I just know that I have sent in all the documentations and police reports and these people will not leave me alone Im on XXXX I have no money At all whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

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 2019-08-04
Company: TRANSWORLD SYSTEMS INC
State: AK
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:
Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.

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 2020-02-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, After a lengthy conversation with another PHH representative this week. I was informed that my new case manager XXXX ( United States based/English Speaking ) would be giving me a call today to share findings, negotiate a solution and clarify issues. 

No one called me .... 

I am concerned that this matter is not being taken seriously, I have never spoken to the same representative twice. 

XXXX, the original case-manager is highly negligent, profoundly unavailable and has trouble conveying any real answers. I get constantly told each week there will be a solution. 

What kind of company sends out letters threatening foreclosure as a scare tactic and doesn't follow up with their clients. I have a call log of nearly 300 phone calls to PHH. 

I highly recommend that you close your off-shore call center and provide clients with representatives that are not only invested in support US clients but have the skills set, linguistic and cultural competence, respect, compassion for their clients served. 

Please address immediately- there have been not results from this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

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 2022-03-02
Company: BMW Financial Services NA, LLC
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: GA
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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} SXXXX XXXX XXXX XXXX BAlance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}

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 non-monetary relief
Consumer complaint received 2017-11-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Union Bank on XX/XX/XXXX, using a promotional brochure promising to deposit {$200.00} into my account 100 days ( after date of opening account ) if I had a direct deposit ( of {$500.00} or more ) within 60 days of opening the account. My direct deposit ( monthly Social Security payment ) when through on XX/XX/XXXX -- and again on XX/XX/XXXX and XX/XX/XXXX. My account is current and in good standing. I have had no overdrafts. 
I have been assured that I have met the criteria to receive the {$200.00}, but I have not received it. It should have been in my account on XX/XX/XXXX. No one at the bank can tell me when it will be deposited. This situation violates the terms of the promotional agreement.

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 monetary relief