BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by 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
Consumer complaint received 2016-02-19
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender 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 monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: SC
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 my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, discovered charges on my JC Penney account that were not mine. Total of {$2500.00}. Some of these were made in mall in XXXX XXXX XXXX Florida. I am in Kansas, never been to Florida. All of the charges of been taken off, but one XX/XX/XXXX {$52.00}, on line order. Now there is a {$21.00} interest charged, which is not mine. On XX/XX/XXXX, I paid my charges in full of {$1300.00}, due on XX/XX/XXXX, confirmation XXXX. I want to completely close this account, will never have another charge card from JC Penney. I can't close this with an amount still due. JC Penney has sent 3 new cards all with different numbers, I have not activated the last 2. My account is locked. Changed my password and took all payment methods off, on line. The hackers changed all my contact information, Synchrony Bank changed it back 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 monetary relief
Consumer complaint received 2022-02-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I placed an order through a XXXX XXXX for clothing from XXXX XXXX. I received items but they were not the items that I ordered. I tried to look up the company but could not find a website or any information for them. I paid through Pay Pal so I opened a dispute. They said I could receive a refund if I send the items back and pay for the shipping myself. The problem is, the items totaled {$160.00} and the shipping cost estimate is {$270.00}. Pay Pal said there is nothing they can do. I feel like Pay Pal has misled me to believe that they would offer me buyer protection in the event I did not receive my items. The only way they will refund my money is if I spend more than the items cost to ship it back. 

XXXX XXXX has no website, no contact information and they never sent me a receipt of my order. This company should also be investigated for scamming customers out of their orders and not providing a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC 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 2020-03-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with my lender Shellpoint. On XX/XX/2020, I spoke with XXXX whom informed me I was approved fora streamline trial modification starting on XX/XX/2020 in the amount of {$930.00}. I was advised the approval letter was going to be mailed to me in a couple of days. I was also told I could call back in an obtain a copy via fax once it was available. There was a pending foreclosure sale date of XX/XX/2020 on my loan but due to the approval I was not concerned as I was accepting the approval. Then on XX/XX/2020 I receive a phone call from Shellpoint telling me my sale is still active and what am I going to do, I was confused as I was just told a few days prior I was approved with the first payment starting XX/XX/2020 so why would they proceed with the sale date? I was advised from XXXX XXXX, on behalf of Shellpoint that he did see my file was pending the final approval but because there is a trustee sale date the approval is more than likely going to be denied. Per Mr. XXXX XXXX he is sorry someone did not provide me with the entire information and they are moving forward with the trustee sale date. I then asked to speak with a supervisor. Per Mr. XXXX XXXX he will transfer me to a supervisor but instead I got transferred back to the automated system. 
I was never assigned a point of contact throughout the process and Shellpoint never reached out to me for options except that one time only to tell me my house was selling the NEXT day. So due to their mistakes, my home has now sold to a 3rd party and I am facing eviction. This is a prime example of wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS NOT A DUPLICATE REQUEST. Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: ETHOS LENDING LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Non-performance of a lender ( missed deadlines, failed commitments, failure to provide closing documents, failure to respond to inquiries, failure to fund timely ) : We recently purchased a home, and our mortgage broker sent us through Ethos lending. What an ordeal! After a series of delays ( due to staffing, backlogs, etc ) they finally gave us a date for which we could sign closing documents. When we went to the title company on XXXX XXXX ( as they indicated we should ), no documents arrived. At this point we were out of contract with our sellers, and every day 's delay cost us $ XXXX in penalties - all because Ethos could n't deliver as promised. Our broker was finally able to contact them, only by masking his cell phone to appear as if it was coming from within their building. Where before he had called, and called, and left voicemails and emails with no response, when they thought it was an internal call they picked right up. He was able to get a commitment to have documents ready for us the next day. We signed on Wednesday, hit XXXX snag with seller documents, and all indications were this was a " rush '' and we would fund on Friday, XXXX XXXX. Friday came, and went - no funding. Sellers were irate ( as were we ), as our apartment would not let us stay any longer because the unit had already been rented, based on Ethos ' timetable for finishing this deal. Ethos guaranteed funding Monday, XXXX XXXX by XXXX XXXX. At XXXX, still no funding. There was a " system outage '' that prevented sending funds. Finally funds arrived to XXXX title company, but too late for them to send it to the sellers. At this point, I had stalled my apartment to let us stay through Monday, and the drop-dead time arrived. I had to pay my movers to move everything to a storage unit, and find a place for my family and pregnant wife to go that night ( thanks Ethos ). At this point, Ethos has cost me XXXX days of lost work ( since I had to take time off work each time to sign, and then arrange movers, cancel movers, rearrange everything each time they failed to perform ), as well as over {$500.00} in penalties to the sellers, doubled my moving costs, and stress on a pregnant mother. I have worked in XXXX for XXXX years and never have I seen such an unresponsive, uncommunicative, ineffecient and non-performing lender. We had serious doubts as to their solvency, and whether or not they were even legitimate. Through all of this, we bore all the burden of the inconvenciences - all because of Ethos ' inability to deliver on contracted lending services. I ca n't tell you how many times my XXXX wife was in tears because of this lender - XXXX is a MAJOR concern during XXXX and this lender has absolutely no concern for their customer - zero.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: PA
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:
Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this because Transunion and XXXX XXXX 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX XXXX {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc Transunion and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. Transunion and XXXX failure to properly investigate.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX* Balance : {$8300.00}

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 2016-08-03
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On three occasions the debt collection agency, Global Trust Management, hired by XXXX has contacted me at work after verbally asking them to not call me at work because my employer does n't allow it. The last call I received was on XXXX XXXX at XXXX and twice in XXXX. 
I feel they have violated the Fair Debt Collection Act when calling my place of work three times when asked constantly not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 just reviewed my most recent credit report and items due to my identity theft case are still showing on my credit file.

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