BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: CURO Intermediate Holdings
State: IL
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 came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at speedy cash. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Provident Funding purchased my Mortgage Service Account from XXXX XXXX and assigned Provident Funding Number XXXX to my account, XXXX for short. 
2. XXXX XXXX XXXX XXXX coordinated an electronic payment interface with Provident Funding Accounts Receivable Personnel. 
3. Electronic Payments Due XX/XX/XXXX and Due XX/XX/XXXX were successfully conveyed from XXXX XXXX XXXX XXXX to Provident Funding. 
4. Electronic Payment Due XX/XX/XXXX, was delivered on XX/XX/XXXX in the previously normal amount of {$970.00} Subsequently, a second electronic payment in the amount of {$72.00} was delivered on XX/XX/XXXX for a Total XXXX Payment of {$1000.00} executed on time. Processing both experienced no obvious anomalies. 
5. Electronic payment XXXX XX/XX/XXXX was delivered successfully on XX/XX/XXXX suggesting no electronic systems problems may have occurred. 
6. I have no further external information to contribute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification in XXXX i submitted all the documents on XX/XX/XXXX and additional documents on XX/XX/XXXX, i received a email on XX/XX/XXXX stating that 4 items where needed with a due date of XX/XX/XXXX, the letter was address to me and supposedly mailed to me which would have been possible because it had the wrong address on it, also we spoke to XXXX XXXX who is the point of contact for this file and informed XXXX XXXX and my self of the missing documents on XX/XX/XXXX with a due date of XX/XX/XXXX basically giving us one day to get the 4 items in which was on a Thursdays day and we sent the documents in on Friday XX/XX/XXXX, directly to XXXX XXXX XXXX number XXXX which goes to her computer, we followed up with her on XXXX XXXX via email and left messages in her voice mail and called customer service regarding the documents only to be told we could send her a email or leave her a message, we didn't her back from her until XX/XX/XXXX only to told that she didn't get the documents to her efax which is the one we have used all this time, so we resent the 4 items again on XX/XX/XXXX, and of course bayview tells us its after the due date of XX/XX/XXXX and a sale date of XX/XX/XXXX which was more than of enough time to get the loan mod done but they would rather foreclose then to say that XXXX XXXX never responded XXXX XXXX emails or phones calls asking her to confirm that she received the documents that went out two weeks prior on XX/XX/XXXX, we included copy of the dated documents for XX/XX/XXXX a copy of the email from her on XX/XX/XXXX thru her automated dated document system requesting the documents the XXXX items and a copy of the emails asking her to confirm that she received the 4 items.we responded to every phone the same day or the next day from XXXX XXXX but she never responded to any of our emails or phone calls during XXXX XX/XX/XXXX, bayview had plenty of time to process this loan mod from XX/XX/XXXX to XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Never missed a payment for conns purchased new bed as an add on Was told at conns to tell them if they called payment would be due in XXXX and they keep calling up to 10 times a day!!!! I have screenshot of them calling back to back even after I told them to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On or about XX/XX/XXXX, I lease a XXXX XXXX XXXX XXXX XXXX from the XXXX  XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am attaching a copy of the lease contract. Fast forward to my present situation where I am not able to keep up with the payment due to financial hardship. Mercedes has failed to assist me with the reduction of payment. I do not qualify for Financing of the Vehicle at this time, so the more that I drive the vehicle the more miles that will continue to be put on it, declining the value over time. 

Today, I visited XXXX in the city of XXXX, CA where I was hoping to be able to sell my Vehicle to XXXX. The Vehicle was valued at {$49000.00}, however, I was then told that Mercedes is not allowing any payoff-off 's from any third parties. The fact that automakers are forcing us to keep the vehicle is causing chaos across the auto-finance industry. If the Vehicle is being paid off, it should not be up to a dealer to allow who can pay them off. I need the CFPB to step in and initiate a Federal Investigation into this illegal activity. I am sure that I am not the only person being affected by this. Auto makers and dealers need to put the consumer before profit, and allow consumers experiencing hardships to be able to sell their vehicles to third parties, like XXXX to be able to stay financial afloat, and lastly to not have this impact their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have disputed this loan and I am still currently A student. I attend college and can not pay off my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California 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 2023-02-17
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with them before I paid it over the phone in full now they want $ XXXX Again why if I paid it in full once?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply.

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation.

I have contacted TransUnion several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 founded account on my credit report not mine I never open

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 2021-02-16
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been getting calls at least 2x a day from. Comenity in regards to my XXXX account. Not only are these calls excessive, I have told someone contacting me by email is best since my cell phone speaker barely works and I can never hear anyone. 

This morning ( XX/XX/2021 ) I had missed a phone call at XXXX XXXX, after I returned the call the agent I spoke with was very rude and talked over me. After we got to the root of the problem, she offered to put me into their hardhsip program. I asked for a call back as I was getting my son ready for daycare and she replied with " but you're the one who called me '' so I hung up. Then not even half an hour later I get another call where the gentleman barely knows what is going on, and as I'm trying to explain I was just on the phone and the lady didn't care, he was also talking over me. I asked him to let him speak and he continued to talk over me. If your agent would like to continue to be so ignorant, so be it. I will NOT be making payments over the phone with these idiots and I am requesting a do not call to be placed on my account. If the do not call is not placed on my account and I continue to receive calls, I will be going another route as a CFPB complaint clearly holds no meri to you. As someone who also works closely with consumers, I find this representation of your company absotlely horrendus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
all credit reports trans union XXXX XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

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 2018-01-30
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/, XXXX XXXX XXXX XXXX working as an agent for the XXXX at XXXX XXXX XXXX XXXX XXXX sold our home without giving us a new sales date after our Chapter XXXX end on XX/XX/. They sold our home the next day at XXXX XXXX  on XX/XX/. According to state law, the sale was subject to a 60 day redemption period. We were never informed of the foreclosure sale and we never received the Certificate of Sale which stipulates the sale is subject to the 60 day redemption period. One of our neighbors in the XXXX at XXXX XXXX XXXX was given a Certificate of Sale and was able to redeem their home. This occurred in XX/XX/XXXX. They were XXXX. 
We believe that blatant racial discrimination is the reason why we did not get the notice of sale nor the certificate of sale. We are XXXX. We are also both XXXX years old and this is also Elder Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Initiated wire transfer for {$16000.00} from Coinbase to XXXX XXXX on XX/XX/XXXX. Due to incorrect routing number, funds were never sent to XXXX. However, Coinbase showed wire status as " Complete '' and funds were subtracted from my account. 

Initiated support request with Coinbase on XX/XX/XXXX requesting XXXX number for wire transfer so I could confirm with Coinbase 's bank  ( XXXX XXXX XXXX XXXX XXXX ) that they were indeed in possession of the funds, and get confirmation that the wire had not gone through. Coinbase support Case ID XXXX Coinbase replies on XX/XX/XXXX indicating that they are " working with a specialist to address [ the issue ] properly. '' As of XX/XX/XXXX, no further contact from Coinbase on the status of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: WI
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:
The three credit companies XXXX XXXX, experian and XXXX, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!

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 2019-05-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Freedom Mortgage will not send my escrow refund check of XXXX. I contacted them in XXXX to see when I would be getting the surplus escrow I paid. The lady informed me any surplus would automatically be sent to me in the form of a check. A month later XX/XX/XXXX I called again checking on the status of my refund. The lady apologized for the misunderstanding and assured me the check would be mailed the next day. It's now XXXX and I still haven't recieved my refund ... so I call the company back and they state it was mailed on XX/XX/XXXX. I'm not sure how that's 2x in a row my check was mailed and not received. It's also frustrating the lady I talked to in XXXX said it would be sent the next day. Today XX/XX/XXXX I asked if the company could just XXXX  XXXX me a new check. After being on the phone for 20 min she said that's not possible. I don't know where to turn or why I have to chase my escrow refund

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 2019-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-12-18
Company: Convergent Resources, Inc.
State: FL
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 XXXX XXXX, 2020, CONVERGENT OUTSOURCING add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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