BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2022-05-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I moved out of my old apartment almost a year ago and was told by them that I was paid in full. About six months ago I started to get harassing phone calls everyday while I was at work as well as constant voicemails. Around a month ago one of the collectors got rude with me and proceeded to yell at me before I hung up. Ive tried to contact the apartment complex on multiple occasions for months now. Just now succeeding a few weeks ago.

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 2022-05-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 a banking error was made by PNC bank to my account in the sum of {$2400.00} check # XXXX. This check was in the amount of {$240.00} and a banker input it incorrectly. They said it would be fixed on Monday XX/XX/22 and it still has not been fixed as of XX/XX/22. I have called and gone down to the bank personally to try to rectify this situation to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire on Thursday XX/XX/2017 of {$3000.00} to a compay Coinbase , Inc,  located at : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX It states clearly on their website : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' Its a week later now and i havent received the money in my account. I called the comany there is always at least a 30 minute wait and they tell me they have an outage and they dont know when it will be fixed! Meanwhile my money is out of my account for a week already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tried to pay monthly mortgage at bayview mortgage online, for 2nd time at XXXX XXXX on XX/XX/2020. Attached is the screenshot of response from company online at that time. Payment was not able to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on my credit report.

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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 auto loan with XXXX that appears on the credit is open, paid, due to pendancy of pre-approved mortgage modification application.

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 2022-08-17
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit associates of Hawaii sent me a collection of {$380.00} for Hawaii XXXX XXXX. They sent a collection letter naming myself and my emergency contact from my storage application. I called Credit associates of Hawaii demanding that my emergency contact be removed from correspondence, and that they furnish proof of the debt, as I had already received a letter from the storage facility claiming that my ( empty ) storage units were being auctioned off. I have never received any proof of the debt, invoices, or any such information from Credit associates of Hawaii. The only thing that I received from them was an additional collection letter for {$960.00}. There are now 2 collections on my credit report, and I have yet to receive proof of debt or any sort of invoice indicating the amounts that they claim I owe.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing/XXXX is a nightmare. I just filed a complaint against them a few months ago and was told that everything was straightened out and that I did not owe a payment until XX/XX/XXXX. This was an ongoing ordeal that I finally got resolved after months of phone calls, harassing letters and misinformation given by this company. 

They messed up our escrow, messed up our payments, sent several threatening, harassing letters, all the while telling us that it was being worked on and resolved. After filing a complaint with your organization, I was told that the escrow was fixed and that payments were applied correctly. I received my XXXX statement dated XX/XX/XXXX that clearly states that there is no past due amount and that my total amount due is {$820.00}. No late fees, no late payments, nothing behind at all. 

Today I received a certified letter from XXXX  telling me that I am three payments behind, counting XXXX ( which I do need to pay - the statement tells me I have until XX/XX/XXXX before it's considered late ). 

I am currently on the phone with XXXX, who of course, doesn't know what's going on and is telling me that all the payments that were fixed previously have been rolled back and now I am being assessed for XXXX, XXXX and XXXX and now my escrow amount is being listed at the original {$6400.00} that was in dispute and I was told was completely resolved. They are assessing me {$2500.00} in mortgage payments that again, I was told was fixed and assessed, leaving me with no past due payments, with a current payment due of {$820.00}. I want this company cited, fined, and forced to stand by their word when they tell someone that the issues are resolved. 

I received no phone call, no voice messages, no emails, no notification AT ALL that there was any kind of issue with my mortgage until this letter today, XX/XX/XXXX. I am beyond livid at this point. I can't just pull thousands of dollars out of my tail every time this company messes something up. Please help us resolve this issue with this horrible company.

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE XXXX DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.

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 2022-01-24
Company: Recovco Mortgage Management, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a formal complaint against Sprout Mortgage XXXX and request an investigation by the Regulators at CFPB. 

Here is their website : https : //www.sproutwholesale.com Sprout Mortgage XXXX constantly engages in unlawful businesses practices that is causing a tremendous amount of financial damage to the Loan Applicant and Home Owner. 

After they receive a loan application, their underwriters will issue a conditional approval then drag out the loan process for weeks and months. 

Then they will decline the loan unexpectedly at the last minute on the scheduled closing date even when all the approval conditions have been met. 

This creates a lot of financial and emotional hardship for the buyer and seller in the transaction when they engage in this type of unfair business practice. 

Based on my recent experience and numerous online customer complaints, this the pattern they consistently engage in that creates such hardship : 1 ) Borrower submits a new loan application 2 ) Loan gets underwritten 3 ) Conditional Approval is granted by their underwriter 4 ) Broker who's representing the borrower provides all required approval conditions 5 ) Mysterious delays occur ( weeks or months ) 6 ) Closing deadline approaches 7 ) Broker reaches out to Area Manager daily for closing status but is left in the dark. 
8 ) Borrowers, Realtors, Brokers, Title Companies, all start to panic due to closing deadline 9 ) Loan gets DECLINED at the last minute for unspecified reason on the day of closing!

10 ) Area Manager sends an email to the Broker defending this unfair business practice.

This is what occurred with my personal scenario : 1 ) Loan submitted and Conditional Approval received on XX/XX/21 XXXX ) Multiple underwriting delays including appraisal occur. 
XXXX ) Almost 3 months later, loan is ready for Clear To Close waiting on one rent letter condition. 
4 ) Mysteriously, loan got DECLINED by XXXX XXXX on the closing day based on one condition that has already been cleared by their underwriter long time ago? 

This is a constant pattern by Sprout Mortgage that is causing a lot of harm to borrowers and everyone involved in the transaction. 

Please see the attached screenshots of multiple complaints and negative reviews posted by disgruntled borrowers and brokers online. 

Another complaint we would like you to investigate and reprimand is their lack of Loan Estimate Disclosures. 

Sprout Mortgage XXXX never issues any Loan Estimate Disclosures after receiving the loan application and adds undisclosed and unjustified fees at the last minute. 

This is an ongoing unlawful business practice they engage in and needs to be stopped effective immediately Please see the attached screenshots of multiple complaints form other borrowers and brokers with the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been adjudicated Incapacitated/incompetent since 2015 and done have the legal capacity or authority to sign any contract or sign into any agreement, and if by chance one was it would be void. Ive given XXXX XXXX all these proofs and documents many times but they refuse to follow proper laws and remove this injustice from my credit file. My next step would be to file a complaint and action with the states attorney general office for damages.

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 2020-04-21
Company: EQUIFAX, INC.
State: CA
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:
FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
Hello, My name is XXXX XXXX and I am filing this complaint on behalf of myself. there is no third party involved. I am filing this complaint about false reporting misleading information being on my credit report.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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 XXXXt Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
5 years of requests and XXXX XXXX XXXX XXXX ( XXXX ) just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/2017 as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX and I am filing this complaint on behalf of myself. there is no third party involved. I am filing this complaint about false reporting misleading information being on my credit report.

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 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was paid for products I sell and I deposited the check and apparently I was given a check that was not valid. Now I'm being persecuted by the bank and I am being held responsible to pay it back when I didn't write the check nor did I withdraw any funds. Please contact TD bank in XXXX XXXX nj regarding bad check. Td bank took it upon themselves to withdraw the money from other accounts of mine. They owe me close to {$5000.00} plus our money are insured. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Flagstar Bank, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Our account was bought by Flagstar Bank on XX/XX/2018. We have been informed of the process since XX/XX/2018 when XXXX XXXX inform us of the plan buy. We have received out debit cards a few weeks back. Last week we received out checks and only my husband 's name appeared on them. I call and to inform them of the error and was told I would have to wait until Monday XX/XX/XXXX to have it taken care of. I called and waited for 45 minutes to speak to a banker to be told there is nothing he can do, that it was what XXXX XXXX send over to them. He told me I would have to call XXXX to have them reissue the check with the correct name. I called the number and was told they were just the printing company and have no way to change the name on a checking account. I turned around and called Flagstar back and waited on hold for 40 minutes to be told that I would have to go into a branch office which is 250 miles away, Then was told there is nothing they can do. I feel this is ridiculous that they should make good on the check. I have not ask to be send to Flagstar in the first place. I am already out time to change all my ACH because of this whole mess. They need to replace the check with the proper names on them.

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