BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage services company has neglected to pay my XXXX XXXX real estate taxes, terms of which were set up in an escrow when I refinanced last year. I am getting bills from XXXX XXXX XXXX XXXX saying my taxes are in default and I owe {$4600.00}. Penalties keep being added on. I have contacted the company Amerisave Mortgage on numerous occasions, by email, by fax, and my phone, and the situation has not been resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called IQ Data to inform them about court cases regarding debt. Was transferred to an agent who continued to interrupt me, would not transfer me to a supervisor, threatened to put me in a " time out '' -- literally said time out. I attempted to give them the case information and he continuously stated that I had called multiple times with the same story. I have called this company all of twice. They contacted me previously and refused to state their identity or the debt holder.

Currently, there are two pending legal actions regarding this alleged debt. I will be in court on XX/XX/XXXX. The originator of the alleged debt has been served by certified mail ( twice ). XXXX at XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX are quite aware of the legal actions. The collection agency XXXX aka IQ Data is  also aware. 

I attempted to give them my lawyer 's information and he continuously interrupted me. At that time I muttered " XXXX this '' and hung up. This behavior is harassment and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRUIST FINANCIAL CORPORATION
State: VA
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: Was not notified of investigation status or results

Complaint:
BB & T sent letter temporarily suspending HELOC account due to XXXX refinance to lower interest rate on current primary mortgage. BB & T sent an Account Closed by XXXX XXXX information to credit reporting agencies. If account is closed, then I certainly don't have any fiscal responsibility remaining. 
Account is open and accruing interest. Information provide to me by BB & T indicated the account was Temporarily Suspended due to a Subordination Request from my current Mortgage holder. I am in the process of refinancing my loan to lower my rate. Account was not permanently closed and should NOT be reflected on my report as CLOSED! If it is CLOSED, then BB & T does not require payment! DOES NOT PASS THE COMMON SENSE TEST! Rhetorically, would a report or any other action been filed if I had not refinanced my loan?

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 2021-08-14
Company: Experian Information Solutions Inc.
State: TN
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:
This is a formal complaint against XXXX Experian, and XXXX. I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name XXXX XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?

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 2020-06-26
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:
All the accounts I listed are fraudulent accounts this is and 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 2020-06-26
Company: Experian Information Solutions Inc.
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:
I am a victim of 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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX to the beginning of XXXX XXXX I have mail 9 disputes to TransUnions related to the following accounts : 1. XXXXXXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$2000.00}, Credit Limit {$2300.00} ) 2. XXXXXXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance {$3300.00}, Credit Limit {$3200.00} ) 3. XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$130000.00} ) 4. XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00}, Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) 5. XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$8400.00} ) 6. XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ) 7. XXXX XXXX XXXX ( XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$10000.00} ) The accounts are not mine and they have fail to provide any verification which I request multiple times. 

Attached are the letters I sent to TransUnion

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 2020-06-26
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not sure who to bring this to again! I continue to dispute a phone company bill XXXX that doesn't belong to me. In XXXX, i pulled my credit and noticed that XXXX report that i owed them {$870.00} and they had sold the account to XXXX XXXX XXXX company. I disputed directly to the bureaus and that third party company. Now i just pulled my credit and noticed that there is the same collection from XXXX under different company names opened XX/XX/2020 under Source Receivables Services SRM. I can tell you by monitoring my credit, the open dates are wrong. I been researching them online and noticed that there are so many complaints against this company online between XXXX, CFPB, etc. Also i read this " Source Receivables Management or SRM is a third-party collection agency based in North Carolina. SRM has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. ". This company continues to ruin my credit and placing wrong information on my credit report using different companies under their umbrella. It's causing this account to illegally re-aged and dropping my credit score. 

AGAIN, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX   reporting on XXXX, TRANSUNION AND XXXX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.

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 2021-08-14
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this account with the credit bureaus and the company ( EOS CCA ) more than three times. The credit bureaus keep telling me that the account has been verified. Without providing any information on how the account was verified. The company ( EOS CCA ) is not responding to my letters. All letters have been sent by certified mail and have been received by the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom it may concern, I established an account with Citi bank via phone call on XX/XX/XXXX. Date being used is listed on statement, and after trying to contact Citi via chat with no success, it is the only available date online. The representative that helped us was aware we were depositing {$15000.00} in order to claim a {$400.00} bonus Citi was running. The rep advised we had 90 days to get funds into the account in order to qualify for the bonus. Under the impression I had 90 days to fund the account, the funds went in to our account XXXX. I followed up with them to confirm our bonus in mid XXXX, and the rep said we did not qualify due to an IRS form not being signed. The rep mentioned sending out this form, and to wait 60 days in order to dispute the claim. We then called back on the XXXX, as advised by Citi rep, and find out we were given bad information at account opening, and stated she saw where the opening rep did not properly inform us. She opened a dispute, which was declined 10 business days letter. Citi has made no attempt to solve this issue, and after being given wrong info twice, they refuse to take ownership of this issue. My XXXX ha snow been with Citi for 120 days.

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 2021-08-06
Company: Experian Information Solutions Inc.
State: OK
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 recently filed bankrupt and Experian is showing my XX/XX/XXXX payment with my mortgage company as being late along with several others of my creditors. Not only are these company not to report anything negative about me, they haven't. Plus I was never late on any of them. In fact, it was because of Experian 's reporting, I had to file for bankruptcy, I wasn't able to refinance. I disputed with Experian against XXXX having me owing them over {$1700.00} no change, then finally I filed a complaint with CFPB and then it was removed. They reported that I have late payments with XXXX and XXXX the two knowingly crooked companies. I didn't realize that paying by XXXX XXXX that they considered that free money and reported that I hadn't paid. Any kind of way Experian can show me in a bad light they did, whether it was true or not. I guess it has been 7 years with XXXX, because they are not showing negative. But in XXXX will be 7 years with XXXX, because they are still reporting that I made late payments from XXXX to XXXX  120 days late, " really ''. Even though the account was paid in full in XXXX and paid on time, they still report late payments at the fore front of their report. I paid all of my accounts up until I filed, because I had no other recourse. Even if I had been late, it is against the law for them to report negatively and they know this. But Experian is bold enough to report fraudulently on their behalf.

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 2020-05-09
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liabilit
y and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over XXXX old Thank You, 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 2020-06-26
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ECMC has been reporting to credit bureaus that I've been paying them since XXXX. Not only do I not have any sort of contract with ECMC, but I have not been paying ECMC since XXXX. 

On many occassions they have been asked for evidence, but they continually violate the laws, rules and regulations that require them to provide evidence that I payed them, or that I ever had a contract with them in any shape, form, or fashion. 

They are clearly operating in dishonesty, and erroneous illegal practices.

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 2019-01-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX credit insists on not offering an option to autoay how the customer would like, be it minimum balance or other amount? No such feature exists to its customers? In this day and age this feature should be commonplace. Instead XXXX would rather trap the customers into perhaps missing a payment on their due date when all along a simple auto pay feature would mitigate this issue. Other credit card companies can navigate this, why not XXXX? XXXX only offers setting scheduled payments out one month. This requires the customer to log into their account monthly and set up a new payment. That solution is ridiculous. If I can auto pay my mortgage and numerous other credit cards, utilities and any other loans with an auto pay feature there is no good reason that XXXX should exclude this option to their customers. This lack of flexible payment option ( s ) ( ie auto pay ) only benefits them by preying on customers so late charges may be charged when the customer misses a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When businesses were ordered shut during the beginning stages of COVID-19, my wife was one of the unfortunate employees to become laid off. Due to her income loss, I researched and discovered that I have a XXXX XXXX home loan, which was deemed eligible for a 3 month forbearance. I applied through the Wells Fargo website ( servicer ) and was granted a forbearance until XX/XX/2020 through a letter that was sent to me on XX/XX/2020. 

I received my normal monthly statement requesting payment due on XX/XX/2020 but thought the statements were already generated prior to my application and approval for forbearance. However I received another statement for my XX/XX/2020 payment which included a line item for past due amount and the due date still reflected XX/XX/2020. I was concerned so I made an appointment to visit a Wells Fargo Banking employee in person to discuss this situation. When I arrived, I was told the banking employees were not able to get involved with home loans but that the employee would try to call the home loan department and find out what was going on. After the employee spoke to the home loan representative, the employee told me that everything was fine and that the home loan employee was showing the account was in forbearance and not past due or at risk for foreclosure. 

I then received my XX/XX/2020 statement and the statement still reflected that I had overdue payments that were owing since XX/XX/2020 in addition to a separate letter that stated my account was in past due status and that failure to bring your loan current may result in fees, the acceleration of your repayment terms or the possibility of foreclosure. 

I attempted to call the number on the letter but was unable to speak to a representative due to the extremely lengthy hold times ( my cell phone battery ran out both times that I tried to wait to speak to someone ). I called many other times but was greeted with the extremely long hold times recording. 

Due to the threat of foreclosure, I diverted funds from other obligations so that I could pay my account in full to avoid foreclosure.

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 2019-01-02
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has several wallet types and they accept different crypto tokens. They have terms saying that it is important not to send crypto from a token from one wallet or exchange into a wallet or token different then the one you are sending from. In my case, I sent a token called XXXX to the coinbase BTC wallet. This transaction was allowed to go through however because the wrong token type was sent, the funds did not show up in my account. I understand their terms however they do have the ability with the private keys to reverse this transaction. There are complaints all over the internet. Im not certain of this but I assume they are essentially keeping the incorrectly sent funds. In my case it was {$7000.00} that I can not receive but they have. That doesnt make sense. This type of transaction should not be able to processed if it can not be received. I hope to fine resolution to this but Im doubtful. They are capitalizing off of peoples honest mistakes. Please help. XXXX XXXX

Company response to consumer: Closed with explanation