BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 mortgages with GMFS.

I have had one mortgage for nearly 4 years.

My bank allows me to pay bills through their site, and I paid my mortgage with the same address for years.

My bank and mortgage company are different companies.

Last month, GMFS notified me that my loan has been purchased by XXXX XXXX XXXX but its still GMFS. The lender has not technically changed.

But they failed to receive my payment that I had sent to the same address for GMFS for years.

So, I changed the address.

Now my payments have been returned because its not made to XXXX XXXX XXXX but its coming from a GMFS letterhead. Its still GMFS. Its not like I was sending payments to XXXX or XXXX XXXX  
This is ridiculous. I believe its deceptive banking which causes unnecessary confusion to cause customers like myself who have paid on time every time to incur expenses. This needs to be investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Holloway Credit Solutions
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Bread Financial Holdings, 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:
Comenity/XXXX XXXX has placed some inaccuracies on my credit profile. They have placed a {$45.00} increase on my balance when I have not used the card in over a year and they have placed a recent late payment when I have not been late. I've spoke to 3 different reps and I've heard 3 different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

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 2020-11-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past fifteen years, we have encountered numerous problems with the mortgage services offered by Wells Fargo. On XX/XX/XXXX, I discovered misplaced correspondence dated for XX/XX/XXXX from Wells Fargo regarding a previous account that was transferred to Wells Fargo in XXXX. Enclosed in the envelope was a letter that explained an overpayment of Private Mortgage Insurance ( PMI ) and a check for {$2700.00}. Prior to our refinance with Wells Fargo in XXXX, several attempts were made to eliminate PMI. On XX/XX/XXXX, the letter stated the LTV as 87.8 % and XX/XX/XXXX the LTV was 87.6 % with a required LTV of 80 % to eliminate the PMI. However, conflicting information was later mailed on XX/XX/XXXX and XX/XX/XXXX and the LTV changed to 65 % to eliminate the PMI. Although we continuously challenged the telephone representatives about the disparities and were denied a loan modification more than once, we refinanced the loan just to afford the payment. On XX/XX/XXXX, I reported my complaint to the Wells Fargo Board of Trustees via email. I was contacted by Case Specialist, XXXX XXXX who stated he would investigate the complaint. Upon discussion, I advised him that my account was poorly managed and the compensation did not reflect the additional debt incurred during our XXXX finance. If the PMI were deleted on XX/XX/XXXX before the refinance on XX/XX/XXXX we could have avoided unnecessary debt. However, based upon his letter dated for XX/XX/XXXX he did not agree with my assessment of this seven year delayed action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: MO
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 made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by XXXX. However, XXXX is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by XXXX being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of XXXX to accept a consumer 's complaint regarding XXXX  reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, JPMCB, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
World finance in XXXX Tennessee her name is XXXX she opened my loan up used my checking account information to pay another loan off. She then paid my loan off after it being. Open for 1 day and the. Ask if I wanted another loan I told her no she stole XXXX outta my checking acct and I still haven't got it back. That company is into fraud badly and needs to be investigated by a professional with law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Account status incorrect

Complaint:
They have incorrectly/illegally reported late payments on my car loan. I have mailed them a certified them a letter regarding this situation. They have not corrected the issue.

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 2018-04-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed an item with Experian many times. The company, XXXX has never sent or verified accuracy of service, proof of service, what services performed, etc., but Experian will not delete charge. All other cr edit agency es have disputed charge. I call to get a message put on credit report stating this is a pyrchased debt with no proof of service, but instead, Experian wrote some XXXX message that does not alert other companies to the real problem.

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 2018-01-23
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My issue is with Coinbase. I have an account with them and have bought thousands of dollars worth of Cryptocurrency. I saw an authorized deduction from my bank account for the amount of {$1000.00}, so I submitted a Helpdesk ticket on XX/XX/XXXX on Coinbase.com per their instructions. After I submitted the ticket, the money magically appeared in my Coinbase Wallet, not sure if they put it back or it was glitch in the system. They proceeded to lock me out of my account and now I ca n't access my account that has thousands of dollars in it. I have tried calling them every week since then and I get the same response, someone is working on it. They wo n't let me transfer my money or take it out, or close out the account. They are basically holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions 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:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 2023-04-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax Credit Bureau failed to remove old address of : XXXX XXXX XXXX. XXXX, PA XXXX. This bureau was sent a letter via certified mail to delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been in a dispute with Paypal for almost 1 year. They keep saying that they paid me but have not.. XXXX XXXX, Operations Counsel keeps sending information which does not show that the money they say they returned to my pay pal account. XXXX XXXX, quit sending useless spread sheets. I previously sent you a copy of My Paypal account. I do not see any of the transactions you claim you made putting the money back in that account. Either 1 ) you are not a very intelligent individual, or 2 ) you are trying to smoke screen me. I want you to send me a copy of my Paypal account and show me where the money was put in that account on the days you said you put it back. Do you want me to send our correspondence to the entire Board of Directors, to show them how much time you have wasted of mine and yours over such a small amount of money. Why are you making this such a big deal? I know Paypal has been the defendent is a similar class action suit before, do I have to take it to that level. I will. It's a shame that a big corporation like Paypal treats a XXXX XXXX Veteran like this In addition, you keep saying you will not reimburse me for my certified mail. I don't care what you say I agreed to, I would not have incurred those cost if your customer service people would have handled this thing correctly from the beginning, I also want {$1000.00} for the anxiety you have caused me.If you don't get this straight this time I will notify the Board. I want this settled once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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 sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
A few years ago credit acceptance, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.

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 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America replied to a complaint approximately 2 weeks ago. They did n't provide any individual treatment to the situation. I 've left two messages since the response was left on my VM and no one from BoA will return my calls. I have questions in regards to the solutions that do n't apply to my client. She is the XXXX of a military veteran who had a loan with BoA. The XXXX 's intention was not to keep the property because the spouse could not afford to keep it with two mortgages. BoA is the second lien holder and is refusing to work with the first lien holder unless my client turns over her financial information for them to conduct a loan modification on her instead of the borrower ( who is now XXXX ). My client does n't want to give a bank that she currently has no debt with her financial information because she feels she has a right to her privacy since she was n't on the first or second loan. She is only attempting to resolve the issues of her husband 's estate. BoA is choosing to dig into her personal financial information which may obligate her to pay for a loan she ca n't afford, while the first lien holder has completed the process for a streamlined short sale review ( not asking for any financial documentation from the XXXX ) but BoA refuses to cooperate. Now when I call and submit the account number the call is automatically directed to the person responsible for responding to the complaint but he never answers and has n't returned any of my messages. I 've left at least three. We 've worked out a deal to pay BoA the maximum allowed payment but they are playing hardball to XXXX a XXXX of a XXXX XXXX veteran. It is disheartening to think that BoA wants to punish my client for her husband paying this mortgage faithfully every month until he XXXX  ... even after my client paid the mortgage, without any reduction, until she could n't. If BoA continues to refuse to work with my client and agree to the short sale they will get nothing because the property is underwater and the first wo n't pay them anything. They are willing to accept nothing just to XXXX the XXXX of military veteran and that 's sad.

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 2020-11-24
Company: MORTGAGE BANK OF CALIFORNIA
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinancing loan process on XX/XX/2020 with Mortgage Bank of California via XXXX XXXX. Today is XX/XX/2020 and the refinance is still not done. During this time due to the poor handling and time management of the refinance, I have turned in every document requested within 24 hrs. Many times within in one hour. Due to the delay, they have constantly pulled my credit report, causing irrevocable damage to my credit score. So far there have been 3 pulls against my credit due to we are now going into the XXXX month of this process. As well, my current mortgage that was in good standing due to the loan had not come to maturity has now matured, again causing major damage to my credit. Items requested by both XXXX XXXX and XXXX XXXX have been unorganized request, duplicate request of items already turned in and not concise at all. To be honest I am very concerned about the banking practices of this institution and really have been destroyed mentally, emotionally and credit wise by this unprofessional process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
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 Account # XXXX, has violated my rights. 

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

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX Wakefield & Associates {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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: Their investigation did not fix an error on your report

Complaint:
i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX  IL. XXXX. Reference # 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