BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Gravamen Asset Management Group LLC
State: CA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please also refer to complaint # XXXX for more info. 

On XX/XX/XXXX HomePoint Mortgage took ownership of our mortgage. On XX/XX/XXXX, the account is noted that taxes are paid in full with XXXX XXXX. They state that in XX/XX/XXXX, prior to selling the mortgage to XXXX XXXX ( effective XX/XX/XXXX ), they sent a tax disbursement to XXXX XXXX of XXXX. XXXX XXXX never received this payment and there are absolutely {$0.00} paid towards our property taxes while Home Point Financial services our mortgage. We are now, one year later dealing with the escrow account deficiencies because over {$3700.00} is missing from our escrow account, that it appears Home Point mismanaged. 

Home Point Financial owes {$3700.00} to XXXX XXXX for our escrow account to fix this error that is causing substantial financial impacts to me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Stellar Recovery, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TrueAccord Corp.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving notification via email from XXXX XXXX at TrueAccord on XX/XX/XXXX about an outstanding debt I had. I had asked a question about having signed documentation to have the account removed from my credit report once paid. I then received an answer that I did not see until today XXXX, on XX/XX/XXXX with this reply " Thank you for reaching out about this balance. 

TrueAccord does not credit report. If XXXX XXXX, XXXX reports, they will update the credit reporting agencies as required. It may take the credit reporting agencies more than 30 days to reflect the update. For more information, you can go to www.consumer.ftc.gov and click on Get your free credit report to get a free copy and see for yourself. 

Please let us know if you have any questions. Were here to help. 


Best Regards, XXXX XXXX '' I then on XX/XX/XXXX XXXX emailed again trying to touch base about my balance. Not having seen the previous reply I again asked my same question. And on XX/XX/XXXX got a reply XXXX XXXX, which again I did not see until today. XX/XX/XXXX XXXX emails me again, regarding my debt, but does not answer my question. On XXXX in then get this email from the name on the email, not even answering my question. 

" Thank you for replying to our email. 

You can reach us at XXXX. Our office is open Monday through Friday XXXX XXXX  to XXXX XXXX  ET. 

Please let me know if you have any questions. Im here to help. 


Best Regards, XXXX XXXX '' So on XX/XX/XXXX. I again ask the same question as previously mentioned, and get the same reply as previously stated in this complaint from XXXX XXXX. I then email back wondering why they can not get paperwork together to sign stating my concern when the creditor hired them to take care of my debt. So at XXXX today, XXXX emails me again with the same generic email to call them. 

I will not call because I want this documented on email. It seems to me this should be a simple matter to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Santander Consumer USA Holdings Inc.
State: MS
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:
i notice a negative item on my credit report from santander consumer usa and sent them a letter on XX/XX/2021 requesting documents about this inaccurate item and i have attached a copy below for your records to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i went to deposit my checks on XXXX/XXXX/2016 .The teller informed me the checks were on a 15 day hold because they were from out of town. i informed here XXXX was a gemeral motors penison check and i have been banking here for over 25 years. teller stated she would have to get her boss ( supervisior XXXX refused to give me her last name ) her supvisior informed me i had too many bounched checks but i tried to explain to her if she put the checks into the bank i wouldnt have bounced and she informed me if i took care\ of my finances i wouldnt have bounced checks. i work with the public and if i talked to a customer like she did i wouldnt have a job. i am so upset i am changing banks after 25 years she dosnt know why my finances are perfect or why occ i have a bounched checks thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: VA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: OK
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:
On XXXX I was denied a personal loan to buy groceries due to XXXX XXXX  being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to XXXX XXXX  for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. XXXX XXXX shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.

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 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion have erroneous information on my credit report and refuse to allow me access to my free credit report because the answers to the questions they ask are not correct. The questions they ask are not applicable to me and every time I get it corrected after a few weeks they return the erroneous info to my credit again. This is affecting my employment and my financial reputation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Northland Group Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
In addition to this company leaving messages at my place of employment in which I have several voicemails saved.And after telling them by phone to not call my place of employment because I could lose my job, the vcalls are still being made with the last call from them being on today.The voicemails states that I will be served at my job on the same day the voicemails are left and to consider myself notified.My place pf employment tel. no. that I have asked them not to call is XXXX. And on top of that, I have no clue who these people are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I started trying to get a modification on my house as my house after payin for 8 years and never being late is still not worth what I owe on it. I tried to use my good credit to refinance as they have raised my interest rate again this year and ca n't afford it but can not because my house still is not worth what I owe on it after I paid XXXX dollars for an appraisal. I have spent months seconding ocwen financial paperwork to get a modification. They say they are reviewing it and I ttakes 30 days and then after 30 days they say they need more paperwork. I have been doing this since XXXX with this company ther should be some law against this. Today I talked to them as my review was suppose to be done again XXXX XXXX th and the representative today said he is not sure I must need to send more information. I have done everything asked in order to get a modification and this company continues to put me off tell me everything fine it 's inder review and then says no now we need more paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BOK FINANCIAL CORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, my partner and I closed on a new home. We are both first time home buyers. Our mortgage company at closing was Movement Mortgage. Our first payment had not even come due when I received a letter from Movement Mortgage dated XXXX XXXX, 2016, stating that our mortgage was being transferred to another entity, XXXX XXXX. The letter stated that the official transfer date was to be XXXX XXXX, 2016. On XXXX XXXX I registered with the new lender 's payment site, which had all my info and reflected my current due payment for XXXX, and paid our first payment. I thought everything was fine until, on XXXX XXXX, I received a letter dated XXXX XXXX from Movement Mortgage stating that the transfer did not go through for the date expected and implied that our first payment should go to Movement. I called Movement 's customer service line and was told that our first payment should have come to them and the payment we made to XXXX was supposed to be our second payment. The Movement rep said he put in a request to have the payment transferred to Movement. I did not have high confidence in this individual, so I called XXXX and was told that our loan was successfully transferred to them and we actually did pay our first payment. Confused, I called Movement back and got the same rep ( his name is XXXX ). I asked him to confirm who owned our loan, and he just repeated several times that it would take 48 hours to hear back from the other lender. I asked to speak to a supervisor and he refused to transfer me. I hung up, having received very little help, and contacted the loan officer that originated our mortgage, who provided way more assistance, but I am still at this time left with very confusing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX XXXX trading crypto currency at Coinbase my money stock there for over 4 months I filed multiple complaints Im trying to contact the company every day but no success they holding over {$23000.00} without giving me and option to pull my money out! I tried every single way to contact them but surprisingly there is no one to respond my concerns. At this point im urgently looking for someone to help me to take my money out or at least to help me to speak with someone to address my issue. 

Thanks you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Phoenix Financial Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : Phnx Finan / PHOENIX FINANCIAL SERVICES LLC Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2021-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

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 2022-11-18
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation