BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: CCS Financial Services, 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:
My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: PROVIDENT FUNDING ASSOCIATES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage with Provident Funding onXX/XX/XXXX. I have escrow billing for my taxes and insurance. On XX/XX/XXXX, I received a letter from my insurance provider, XXXX XXXX, that they had not received payment from Provident and that my insurance premium was overdue.
On XX/XX/XXXX I received a notice from XXXX XXXX that my bill was past due. They still had not received payment from Provident, which is holding my funds in escrow and is the mortagee responsible for paying the premium. OnXX/XX/XXXX I uploaded a copy of this past-due notice to my Provident Funding online account. It was marked as 'processed ' by Provident on XX/XX/XXXX. On XX/XX/XXXX, I contacted Provident via the website 's Contact Us page form to confirm the receipt and to find out when I can expect this bill to be paid. It is XX/XX/XXXX and I have yet to receive a response and XXXX XXXX still has not received payment for this premium.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX, I suffered a XXXX resulting in several long-term hospitalizations. As a result, my income inevitably decreased and I've been struggling to make payment due to this fact. I've done the best that I can to make partial payments and work with Regional Acceptance to keep my account active. Most recently, I submitted and received a deferment of 60 days on XX/XX/XXXX ( deferment ID : XXXX ). This deferment was agreed to bring the account current. I subsequently made a payment of {$890.00} on XX/XX/XXXX, covering the month of XXXX and XXXX. The account was to be current. On XX/XX/XXXX, while I was in the hospital, I was notified via my security system that my car was repossessed. This is extremely concerning, as I've put my money into paying the two months to bring this account current to avoid this from happening. I need my vehicle in order to drive to my follow-up medical appointments and post-op procedures. This repossession should not have taken place, and this is the worst experience that I've ever had with an auto lender. I do not have the means to pay repossession and storage fees, and shouldn't have to, since I was told the account was current after my deferment and double payment. I am set to return to work in XXXX, and would then be able to make payments as agreed, but I won't be able to return to work without a vehicle. Regional Acceptance has not offered to work with me in resolving this matter.

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 2020-06-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PMAB,LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
pmab llc is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 a 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 2017-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two years ago Chase Bank assumed my Mortgage loan from another Company. Due to " human error '' they cancelled my Insurance and purchased " lender placed '' insurance that costs 5 times what my old policy did, for two years. After purchasing the policies, they looted my escrow to pay for the policy, which raised my Mortgage payments, and I kept paying. After calling my old Insurance company, I realized that the Bank was at fault. I was able to be reimbursed for one policy for XXXX but the Bank refuses to reimburse me for the other policy for XXXX, even though it is sitting in my escrow account ... illegally. My mortgage statement says the amount in escrow is XXXX which is a breach of Section 10 of RESPA. Also, this is the second complaint I have filed. There are half a dozen other violations having to do with Federal Law with my loan, as well. I am seeking representation but it is my belief that Chase Bank should be fined for its illegal behavior. I am working on getting representation to sue them for damages but I would appreciate any cooperation from an Authority because I am a victim here and the law has been broken. Chases behavior is no less than predatory. I am also contacting the Massachusetts Attorney General and anyone else who may be able to hold them accountable. I have attached my escrow statement as proof beyond a doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I obtained a 10 day payoff quote amount from Bridgecrest in the amount of {$16000.00} for a XXXX XXXX XXXX, account number XXXX. I applied for a refinance loan through XXXX XXXX XXXX XXXX for this amount and was approved. I picked the check up on XX/XX/XXXX and called Bridgecrest and was told that the actual payoff amount was {$16000.00} and when asked for the info to pay the car off, I was given a XXXX XXXX XXXX send the check to. I sent the check via certified mail on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX. The company says they didnt receive the payment until XX/XX/XXXX & posted it XX/XX/XXXX leaving a balance of XXXX on the account. When calling to ask why I had a balance when the woman that I spoke with on XX/XX/XXXX said that the payoff amount was actually cheaper than what I sent, I was given attitude and the run around, told that I cant speak with a supervisor and kept being placed on hold and passed around to escalations. So, finally I just requested the check to be sent back and was first told that it couldnt be done, then, after a long hold, was told that its a XXXX party check and theyll send it to them instead, even though the check was made out to me. I was told this after I told them Id rather take the check and purchase a new vehicle from someone else who values me as a customer and let them have their car back. I was also told by XXXX ( ID # XXXX that I cant give the car back. When looking into the matter I found that they arent supposed to send any refunds to a third party and theyre supposed to go off the post mark on the check and envelope. Once I found this, I asked them to pause on the refund until I filed my complaint with you guys.

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 2017-09-07
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX : Single Item Water Softener Purchase for XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Request for Arbitration Dear Aqua Finance Inc,  This letter is to advise that The Holder Rule is being exercised in reference to the above referrenced account. 
I would like payments suspended till a resolution is reached with this account : 1. There was no authorization provided to open a revolving account with Aqua Finance Inc. and/or XXXX. No promissory note was signed and disclosures were presented and/or discussed. 
2. There was no disclosure of any interest rate. The understanding was for there to be payment of {$39.00} till the equipment is paid off.

3. None of the equipment operates or is functional. And is not being serviced by the account representative as promised. Failure to perform makes their contract void. 

Based on these issues, and potential others, there needs to be an arbitration meeting to discuss how both parties will resolve this issue. 

I look forward to hearing from you on how this can be resolved. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Global Asset Agency, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got notification that this collection account was added to my credit report on XX/XX/2022 from Global Asset Agency in the amount of XXXX. I attempted to reach out to the company on XX/XX/XXXX to get information about this debt with the number that was on my credit report which was XXXX. A man answered the phone and stated that this is his personal cell phone not Global Asset Agency. I then attempted to send a verification/debt validation via fedex to this company ( tracking number XXXX ) on XX/XX/2022. It came back as undeliverable to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address that was on my credit report. I didn't receive any calls or written communication from Global Agency on this account. I finally was able to find a contact number for this account by googling and researching several numbers. I called XXXX and spoke with a guy named XXXX XXXX. I asked him when did he attempt to reach out to me in reference to this debt, and he said sometime around the end of XXXX. He couldn't give me any dates on anything. I never received any mail communications or calls. I also asked him what information did he have on file to validate that I owe this debt, and the only thing he could provide a phone number and address for me. I asked him was there a contract from the alleged original creditor ( XXXX XXXX ) and he said he didn't have it, but would attempt to get it. I asked, how could you attempt to collect or report an account that you can't validate or verify. He began to be very rude, and short with me and then hung up on me. I am very skeptical about this company, because they definitely haven't provided any evidence besides my name and address for this account, and the bank account he provided didn't match mine as well. I told him that I would be filing a complaint, and also disputing this and seeking legal action if they were reporting on an account that doesn't belong to me without sufficient evidences. He claimed that he would email me information and still hasn't. 
The Collection company is Global Asset Agency and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXXXXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX AV XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXX AV XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX  -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: VT
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 pulled my free Experian credit report from XXXX today ( XX/XX/XXXX ) and there is a foreclosure on my credit report that is NOT mine. 
XXXX XXXX reported this foreclosure XX/XX/XXXX. 
The XXXX account number showing on my report is XXXX with a balance of {$140000.00} and date opened XX/XX/XXXX. 
The Experian Credit Report is saying this foreclosure will be on record until XX/XX/XXXX. 
I really need some help with this. Please advise.

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 2017-08-03
Company: EQUIFAX, INC.
State: MD
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 tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL three credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is an addendum and not a new complaint ( XXXX and XXXX ). Why was the attached documents sent out, and why the Midland Mortgage Company wants more for approximately 4 years when only {$21000.00} owed. They asking for an extra approximately {$60000.00} : {$35000.00}, escrow, fees {$12000.00}, {$10000.00} and not sure if CFPB is allowing this Mortgage to do this. Which is causing the economy a hardship.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to this company and stated that I have not given this company permission to access my credit report. They informed me to contact the credit bureaus. I have not received any updates! 

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 2022-07-14
Company: Kriya Capital, LLC
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:
My identity got stolen and someone from XXXX Arizona opened XXXX XXXX account in my name I have never been to Arizona! I had no idea this was going on Until it appears on my credit report and a collection please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage processed an auto-payment that was due on XX/XX/XXXX of this year a day early on XX/XX/XXXX of 2021. Since that day, they have shown me as being one month past due because of a glitch in their accounting system. I am receiving automated phone calls weekly from them telling me I'm behind on my payments. I have spoken with customer service reps and managers XXXX total times. Each time they tell me I am current, their system made a mistake, and they are working to fix it. 
XXXX months now they have shown my account in loss mitigation. They refuse to provide me any updates in writing, give me status updates, codes, or any other information I can use to prove that I am up to date. Despite ensuring me over the phone each time that no action will be taken against me, they refuse to provide me with any proof I am up to date. Their website also contains no information on my account other than a page that says " Your account is in active loss mitigation ''. It doesn't even specify the amount past due. I have had my account on auto payment since they took over my loan sometime last year and have never missed a payment. 

My loan due amount changed on XX/XX/XXXX of this year due to escrow changes. Despite showing me in loss mitigation, my bills have remained consistent and the due amount has gone down.

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