BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of our former complaint XXXX about PHH Mortgage Co. 
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank. 
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time. 
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information. 
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves. 
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!

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 2023-05-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Truist our relationship ends here. Ive been a loyal member since you were XXXX be in 2000 and before you transitioned to SunTrust, and now to Truist. I am so dissatisfied and frustrated with the customer service that I have received, especially when it comes to any kind of dispute. I need a company that has my back when something goes wrong and you definitely do not have that. I had a situation with XXXX paint and I opened a dispute. You sent me documentation and as Im filling out the documentation, the same day you send me a message saying that you cant dispute it???? What was the freaking point of opening the dispute for me in the first place??? Then immediately sending me the documentation saying I cant dispute it.. Im done here and I will be leaving reviews in various places about my experience with you as well as contacting the banking commissioner.

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 2021-05-19
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is up to its old tricks again of force placing flood insurance despite having been provided the evidence of coverage in a timely fashion!!!!! THEY FORCE PLACED FLOOD INSURANCE AT A COST OF On XX/XX/2020 we made your Condo Flood Insurance payment of {$850.00} to XXXX XXXX XXXX HOWEVER, THIS IS A CONDO FOR WHICH THE ASSOCIATION PAYS ON A TIMELY BASIS AND FOR WHICH I HAD UPLOADED THE CERTIFICATE TO MR COOPER IN A TIMELY BASIS!!!!! THIS NEEDS TO STOP!!! THESE PEOPLE CONTINUALLY ATTEMPT TO GAIN UNEARNED REVENUES VIA THESE INSURANCE GAMES!!! IF THEY DON'T FEEL THE CAN GENERATE SUFFICIENT REVENUES VIA SERVICING THEN THEY NEED TO GET OUT OF THE BUSINESS ALTOGHETHER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: DC
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:
To Whom It May Concern : I am writing to file a complaint against XXXX Equifax and the XXXX XXXX XXXX XXXX.
I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give XXXX a chance to resolve this issue. I filed a re-investigation, and still to no avail XXXX and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted on XX/XX/XXXX about a debt to an apartment I allegedly owed ; asked them to send written statment of what the bill was for ; they refused stating they already sent one ;  asked which address as I provided a forwarding address to the apartment owners/original creditors ; collection agency provided wrong address ; continually used hostile verbiage to attempt to collect debt including threatening my credit and threatening my ex 's credit Was contacted again on XXXX with the same hostility ; advised them they were calling a number used for work and to not contact me during work hours between XXXX and XXXX Monday through Friday Was contacted on Monday XX/XX/XXXX at XXXX while driving and creditor attempted to convince my to pay debt while driving on the highway ; was called again at XXXX by same creditor ; again at XXXX by same number and again at XXXX by the same number, a total of four times ( as of this writing )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: AES/PHEAA
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: Account status incorrect

Complaint:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 master degrees. I applied for an unemployment deferment and it shows 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to the bank on the XXXX XXXX XXXX I withdrawal a {$100.00} Leaving my balance at {$300.00}, when I check that later on tonight The bank said I had only {$200.00} hey my bank account so there was {$100.00} missing out of my account

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 2018-05-18
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. In addition a SYNC/Walmart credit application was submitted XX/XX/XXXX An official dispute of both of these applications was sent to XXXX XXXX XX/XX/2018 however as of this date no update of the investigation has been received. This is a violation of the FCRA and my clients consumer rights.

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 2023-07-25
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
COINBASE transfer to a FRAUD SCAM Brokers : XXXX, and, XXXX XXXX. 

I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multi-layered scam operation orchestrated by XXXX, and, XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called CREDENCE RESOURCE MANAGEMENT and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. 

I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. 

Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX  did not. I am requesting that these companies provide proper documentation supporting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I have contacted Westlake Financial in regards to a used auto loan I took out back in XX/XX/2011. I have asked for them to correct the misinformation they placed on my credit report about being late on a payment ( S ). They have been reporting this for over 10 years and will not respond or remove. I have even contacted all 3 bureaus to have it removed and not one of them will remove is when disputed several times.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: KY
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 of the credit reporting services are reporting false information about XXXX XXXX and XXXX and XXXX XXXX  and XXXX XXXX. they have my name listed as my fathers name because we kind of have the same name. he is a XXXX and i am a XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. 

I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. 

On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan.

Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Innovis
State: NC
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:
XXXX XXXX keep pulling my credit without my authorization I did not give this company permission to pull my credit I am not in the market to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is in addition to an already filed complaint. 
Original complaint # : XXXX. 
Original complaint synopsis ; I opened an account with TD Bank online and provided all necessary information. An account was opened and I received my debit card and all account numbers. I could not set up an online account access. The company informed me I must take I.D . to a physical branch in person to finalize process. There are no physical branches within 140 miles of my home and I do not drive. The bank transferred my initial deposit from my primary bank. I can not close the account without first presenting I.D . in person. 
New complaint. 
I received my monthly statement on XX/XX/2020. I have attached a copy. My initial deposit of {$50.00} has been reduced by {$16.00} in monthly fees. I have no access to this account yet they are deducting whatever they want until there is nothing left. Now I have {$34.00}. They have not responded to the initial complaint as of this date. I am having emotional distress and am forced to file a lawsuit if no satisfactory resolution occurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im Accordance with Fair credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 2681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also stays a consumer reporting Agency Can not furnish account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief