BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: Auto Advantage Finance, LLC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. DTEDXXXX XXXX {$1300.00} DTEDXXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX  XXXX {$0.00} XXXX XXXX {$190.00} DTEDXXXXI XXXX {$2600.00} DTEDXXXX   XXXX {$4000.00} DTEDXXXX XXXX {$10000.00} DTEDXXXX   XXXX {$2600.00}

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 2020-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Account does not belong to me.

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 2016-06-06
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We scheduled a time to open an IRA account for my wife in XXXX. A XXXX cancelled the appointment and rescheduled if for XXXX XXXX, a week later, on XXXX XXXX after XXXX, XXXX, left a message, they do not provide the services on Sat. When asked, why such a late notice, he states, he called before XXXX, time stamp shows XXXX then states, we did not keep the last appointment. He should have just apologized ; there was no excuse for us to wait a week to be told that. We are closing all our accounts this week.

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 2017-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for HAMP loan modification XX/XX/XXXX. As of XX/XX/XXXX, I still have no decision regarding the modification. In fact, my application is n't even considered complete, as they are once again requesting another new document. I have been very timely returning their requested info, but SPS keeps asking for new Docs. each of these new requests for documentation is to support other previously submitted documents which support the information I provided on my application. The different requests I believe are not informational, but rather a delaying tactic. More frustrating is the fact that I have been told half a dozen times that the underwriters have what they need to make a decision, only to have them request another more obscure document. Dealing with customer service reps has been troubling since it is a different representative every time, so I 've had to answer the same questions over again and again, months apart, and the information they often ask for was included on the initial application. I do not feel this company is operating honestly or competently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : Comenity Bank- XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX COMENITY BANK/XXXX  Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX  XXXX   XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-27
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally financial canceled my Auto pay without any notice. I had Auto pay from the beginning of the lease for peace of mind my payment will go through. During Covid they canceled my payment which i made through auto pay and my manual payment because i noticed a month later they canceled my auto pay. This has giving me a 30 days remark on my credit report. During that period i tried reaching out to ALLY multiple times but they were not answering their phone calls Because they were short staffed due to covid. I was finally able to contact them a month later after waiting on the phone for 45 min they gave me a case number regarding my complaint. They said someone should get back to me in 2 weeks. No on has called me. The reference number they gave me is XXXX. See attached proof of payments I made.

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 2016-09-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was faithfully paying my mortgage payment from the time BBVA Compass started my Loan Modification- Trial Period last XXXX XXXX, 2015. No missed mortgage payment. BBVA Compass practices of Debt Collections, are not serviced accordance to the financing law and practices. BBVA Compass forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment to {$750.00}. as I usually paid & evidence copy coupon attached from BBVA Compass as proof bringing from {$810.00} a month to my usual XXXX a month. 
I am asking BBVA Compass credit to my principal Loan for the extra of {$55.00} from the time they loan Modified last XXXX XXXX, 2015 up to the present for extra escrow charges and adjust and my mortgage payment back down accordingly. I will present the copy of Loan Modification Trial Period, in which paid and complied all 3 months payments. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: CITIBANK, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We received pre-approval for a mortgage from CitiBank in XXXX. During the pre-approval process, they were very responsive. However, once we had a ratified contract for a house, our loan officer because very slow to respond to questions. We asked for specific details on the timeline but our questions were frequently ignored. We communicated early that they would need to coordinate with our second trust lender, but they failed to do so. In the week leading up to our originally scheduled settlement ( XXXX XXXX ), we could not get anyone on the phone or to answer our emails to coordinate the final part of the process. Finally, I called the Citibank national helpline and got connected via email to the manager or our loan officer. The manager was similarly unresponsive after an initial email and we ended up missing our settlement date. We had arranged settlement for this Friday before XXXX XXXX weekend so we would have time to move into our new house. We had family coming in from out of town to help and movers scheduled to arrive. We failed to even get anyone on the phone to explain to us what was happening. Finally, the following Tuesday night ( XXXX ), our realtor was able to find out from the loan officer 's manager that our loan officer had quit the day before our scheduled settlement. When we still could n't get this manager on the phone, I had to call the Citibank national hotline again. Eventually, they connected me to the regional manager who finally told me our loan settlement would be delayed until at least Friday, XXXX XXXX. We rescheduled our movers again, but Citibank again could not close. At that point, we were already required to be out of our apartment. We finally closed on XXXX XXXX, but at that point, my wife and I had to take 3 days off work trying to coordinate the constantly shifting timeline and move and we had to remain in our apartment past the day we were allowed to. We ended up having to move everything with only one person to help because the timeline shifted from a weekend to a weekday. Throughout this process, Citibank was dismissive, unresponsive, and only got back to us after we called their national helplines or escalated to supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CUSTOMERS BANCORP, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a student and my school forces students to go through this bank for my federal financial aid disbursement. An account was opened without my consent and I was supposed to be sent a bank card to access my account. This card was never sent to me. When I contacted Bank Mobile they said they were going to charge me {$10.00} each time I request a card, as a " replacement fee ''. This is not a replacement, I have no card and can not access my money. So I attempted to transfer the money out of the account, but the system will not allow me to without the pincode from the card that does not exist. The system has now locked me out of the account, and I can not even see it, but it STILL has my money in it, and I STILL have no bank card, and no one at customer service is providing any resolution.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}

Company response to consumer: Closed with explanation