BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
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  ( aka XXXX ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to XXXX, my XXXX, XXXX XXXX, set up an auto payment over the telephone with XXXX. ( The exact nature of the relationship of these two entities is unknown. However, XXXX purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by XXXX and the XXXX and XXXX payments had not been made. We received no notifications from XXXX/XXXX that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with XXXX. 

XXXX has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to XXXX and was not past due even by XXXX records. 

I sent this information to the 3 credit reporting agencies. Experian has already responded that XXXX " verified '' the information in the report. However, this is impossible. I sent the payment history from XXXX showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

XXXX 's " verification of the information and Experian 's decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.

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 2021-07-14
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender PHH Mortgage has charged late fees to my account in the amount of {$29.00} on twelve different occasions for a total of {$350.00} despite the fact that I have never paid my mortgage late. In fact I make additional payments by paying half of my monthly payment amount every two weeks instead of one monthly payment. After numerous calls with the lender as the late fees have accumulated, no agent of PHH ever said that this payment schedule should be halted. In my interactions with the agent they seem to understand the pattern of payment and state they will file the documentation to reverse/credit the late fee. The rectification never occurs. After reaching my current frustration level, I refinanced my mortgage with another lender. Now that the PHH mortgage is paid in full the company refuses to pay to refund the late fees even though the statement of account transactions show that no payment was ever missed or was late. Each week for the past 5 weeks someone tells me to call back in 7-10 days to follow up. I have escalated to managers with no explanation for how these fees are justified and why the refund can not be made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my free annual credit report I noticed a fraudulent account that does not belong to me from Portfolio Recovery after contacting them they still refused to send any verification of this account and still are reporting this fraudulent account to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2022 I mailed XXXX a letter informing them that I am a victim of identity theft from a credit card that was in my name from them.. 2 months later Midland Credit Management purchased this debt. I informed them multiple times on the phone and in writing this is identity theft. I sent them a FTC fraud affidavit and gave them the police report number, # XXXX XXXX XXXX Sheriff Department in XXXX, Indiana. This company continues attempts to collect on this fraudulent account. 
mcm # XXXX XXXX customer # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
MARINER FINANCE, HIGH POINT, NC : This company sent me a check which I deposited ( I did not solicit them ) and within 30 days, MARINER FINANCE sent another check, and, I deposited it, as well. In-the-meantime, I scheduled quite a few Home Improvement jobs with Check # 2 ; But MARINER CXL CHECK # 2 within 48 hours after I deposit at my BOA. But, I scheduled home improvement jobs with check # 2 ( not knowing MARINER was going to reverse the {$3500.00} check they sent me ). When I called MARINER CSR she said : " you can not have a 2nd loan within 60 days of the 1st loan '' ... I said to her : THEN WHY DID MARINER SEND ME A CHECK KNOWING I ALREADY HAD A LOAN THAT WAS NOT 60 DAYS OLD. '' She said " you have to read the fine print ... ..??? SUCH A SORRY EXCUSE. I live on SS check and this has really, really, really been a bad exper. for me. 
MARINER FINANCE practiced bad, bad customer service here without notifying me that they were going to REVERSE the $ $ back. THIS WAS WRONG ...... I SHOULD NOT BE PENALIZED FINANCIALLY FOR THEIR MISTAKE ... No one who already has an account with MARINER should have to go thru this. And their CSR should not EVER say : Read the fine print TO ANYONE .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I had a series of transactions attempted on my account. Two ( 2 ) were approved to XXXX for the amounts of {$32.00} and {$49.00}. I researched the merchant and its affiliates and confirmed that I had never done business with the merchant. I contacted CashApp ( Square Inc/XXXX  XXXX  XXXX to report the transactions on the CashApp Visa. I was told that I couldn't dispute the transactions until the transactions hard posted to the account. The card was shut down and replaced. On XX/XX/XXXX, both transactions posted and I contacted CashApp and disputed the transactions. On XX/XX/XXXX, I received a response that the transaction would be disputed and the merchant the network allows 45 days to review and resolve the claim. No mention of a provisional credit as required by Regulation E ( EFTA ). 

The very next weekend on XX/XX/XXXX, two more transactions posted to my account with the new CashApp Visa card that had not yet been activated. The transactions were to XXXX in the amounts of {$220.00} and {$26.00}. On XX/XX/XXXX, I reported these transactions and asked when a provisional credit would be issued. I was told by the agent that the transaction would be disputed but no further discussion could be done regarding the process. I then responded to the dispute analyst that was handling the first two transactions, he said they had 45 days. I shared with him my extensive knowledge of financial services regulations because of my job and 20 years in the industry. I advised I am supposed to receive a provisional credit. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several 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 2023-07-17
Company: Experian Information Solutions Inc.
State: NV
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote XXXX XXXX XXXX  due to an inquiry on my Transunion Credit Report that I DIDN'T AUTHORIZE. I asked that the inquiry be removed. I now have my attorney involved as well. It is illegal and unlawful, according to FDCPA for a company to do this. They are reporting inaccurate information on my credit fileXXXX XXXX XXXX XXXX is a LOW GRADE CREDIT CARD COMPANY. I WOULD NEVER APPLY FOR A CARD LIKE THIS! I have an established PIN number through the IRS that is required for anyone to pull my credit!

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 2015-09-24
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Other

Complaint:
I was 30 days late on a XXXX phone warranty due to a computer glitch on my computer. 
This has dropped my credit score from excellent to fair I feel this is not right I always make double and or triple payments on everything I purchase.This was with Best Buy and i have talked with them but they said the can drop the late payment fee but can not change the reporting to my credit report.This was not my fault I am never late on an any bill but my computer stopped payment without my knowing.I work hard to keep excellent credit and feel I deserve a chance to have this corrected.Can you please help me out.Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Mercury Technologies, Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Our complaint is mainly for Mercury.com and the accounts provided by them are in XXXX XXXX  XXXX XXXX. We've our funds withheld, They initially mentioned that the funds would be withheld for 60 days. Our account was suspended on XX/XX/XXXX and till date we've not received the funds. 

Our Mercury account email is XXXX, the name of XXXX is XXXX XXXX  XXXX XXXX, Account number : XXXX, Routing : XXXX. The total sum of funds which have been unlawfully withheld for over 4 months now is {$11000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received a letter from XXXX management  consulting Company stating that my loan had been transferred to and that the payments were expected by XX/XX/2021. On XX/XX/XXXX th, I received an updated letter stating that the payments should not be sent prior to XX/XX/2021. In the midst of this, I attempted to send payment to no avail. I eventually sent the payment to the previous servicer ( XXXX  ). 
I am in fear that this is a scam for I never could communicate to XXXX. I also received a letter from XXXX XXXX but also could not. I would like this company to be investigated for fraud.

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 2018-12-19
Company: EQUIFAX, INC.
State: NC
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 a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: RI
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:
There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has unlawfully used unlawful PHI which is a violation of HIPAA and they have broken the law both on federal and state level demand in investigation and also how they were able to falsify and purge themselves over 30 times to this web portal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
Freedom Mortgage is refusing to update my information with the all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). I have reached out to Freedom Mortgage in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with XXXX whom requested an update from Freedom Mortgage but Freedom replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with XXXX on XX/XX/2019.

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 2022-09-09
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:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX- Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment XXXX XXXX XXXX Inaccurate Payment History

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 2023-10-14
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
In XX/XX/XXXX I starting working with the XXXX XXXX XXXX for assistance with my mortgager. For several months my mortgage servicer XXXX gave me the run around. After months of finally getting them to work with me to get a loan modification for me to be approved for the funding from the XXXX XXXX they agreed after months of trying. They gave me a trial loan modification plan for 3 months with me paying {$3100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of the payments in XX/XX/XXXX the XXXX XXXX  paid my mortgage company {$40000.00} on my behalf. With this being paid Selene Finance agreed to provide me a loan modification. It is now XX/XX/XXXX to date I do not have my final loan modification nor will any of XXXX represetatives accept my payments, I have been blocked from payiny my payments on line. I place calls every XXXX weeks to XXXX only to be told that they are not finihsed with my documents and I should make the trial payments. How can I make even the stated or trial payments if no one will accept my payments. Also I have XXXX different payment amounts. Before the trial loan modiciation my payments was {$2700.00}, the trial payments was {$3100.00} and now the mortgage statements on line the payments change in XXXX to {$2900.00} without any notice to me. Also they still have me owning over {$60000.00} after receiving the {$40000.00} from the XXXX XXXX  that is still unapplied. I am a victum of predatory lending. I have contacted them on several occasions and they are still not honoring their part. Also I have asked who actually hold my mortgage the response is that it is a private lender and they can not give me the person and or company. They are continuning to wait until the interest rates escalate before granting me the final loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Costco Anywhere Visa Card by Citi credit card account was closed without notice ( no written warning, no email warning, and no text warning ) on Friday, XX/XX/2023. I called CitiBank and they did not tell me why the account was closed. I called again to request information from another CitiBank representative and they said I would receive a written letter in XXXX business days. I have not received a letter. The representative also informed me that the account closure would forfeit over {$300.00} of Costco cash rewards ( an annual cash 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