BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-04-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2020, I tried to link my PNC bank account to XXXX so I can do online trading for personal investments. I was denied. Not sure why. Its my money and I would like to do what I want with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
This is a continuation of Case number : XXXX. Despite Bank of America being told several times that I do not use a voice telephone due to the pain it causes me to answer it, they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain, they still refused reasonable accommodation of communicating with me via fax, portal, text, or encrypted email, leaving only US Mail with its intrinsic delays. The reasoning that any of these other methods is less secure than communication over a cell phone is laughable and discriminates against XXXX people who do not use voice phones.

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 2021-12-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : CREDIT COLLECTION SERV

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has caused to be recorded with the XXXX XXXX County Recorders Office a defective Notice of Default with form entitled California Declaration in violation of California Civil Code of Procedure Statute 2015.5 and California Civil Code Section 2923 - 2944.10. Bank of America knows or should know the laws of the state of California where they do business. I believe this is an intentional act meant to coerce, harass and cause me extreme disstress in on-going attempts by Bank of America to separate me from my home. 
The form is the fourth page of the recorded Notice of Default ( NOD ) and Election to Sell. Because of the form 's defect, the whole NOD is void and voidable.

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 2021-12-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When I opened this on-line savings account it was not made clear that the limit on transferring funds out was only {$5000.00} per day with an additional limit of 4 transfers per month. This is much lower than other on-line savings accounts that typically allow {$100000.00} or more per transfer. I decided to close the account as this was unacceptable. 
1. On XX/XX/XXXX I requested that the account be closed and the funds transferred back to bank account that I initially funded it with. 
2. I called every few days for the next 2 weeks to find out when the money would be transferred. The only answer i get is that it is " Under Review ''. 
3. As of XX/XX/XXXX it is still 'under review '' I feel that this bank is holding my money XXXX by not allowing larger transfers and returning the money in a reasonable timeframe. 

as I have no confidence the account will be closed anytime soon I have now requested an increase in the transfer limit to {$100000.00} per transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
company- Affirm ; Reporting incorrect information on XXXX Credit Report. 
Account says is a collection. 

company- XXXX XXXX Reporting incorrect information on credit reportin. 
Account says- its a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First point is reporting information regarding a debt that does not belong to me on my credit report. I have contacted them to let them know about this fraudulent activity and they have not removed it. I have requested proof of signed contract or picture ID shown at time of service. And have not received anything. I want this fraudulent account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX University, XXXX, PAMy monthly payment is too much for me to afford. I do n't have anymore forbearance or deferment time left. i am going back to school in XXXX but i only have 8 months of in school deferment left. Navient has suggested that i lean on my co-signer, who cant afford to help these days, as well as go into default on my mortgage to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Concorde Land Title Services, Inc.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We purchased a home and paid cash ( not contingent to financing ) in XXXX XXXX XXXX, Florida. The SELLER chose the title company ; and in doing so, agreed to pay for the title policy and associated costs. At closing, the title company charged us ( the buyers ) a fee which we never agreed to of {$350.00} as a " processing fee ''. We argued that we had our own attorney representing us and wouldnt pay a fee to a third party company who was selected by the sellers and not by us. The title company threatened that if we didtn pay the fee, they could stop our purchase and cost us our deposit which was a large amount of money. We are pretty sure that this type of act is a direct violation of RESPA and needs to be addressed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have sent in XXXX IBR ( income based repayment plan ) applications. XXXX were denied as incorrect, XXXX were " lost '' and simply do n't appear or were simply not responded to. I finall got them to acknowledge they received on on XXXX XXXX 2016. I talked to operators XXXX and XXXX. 

the call to XXXX was disconnected while she put me on hold. 

The call to XXXX resulted in her stating that they ca n't give me a mandatory deferment, because " there 's no breakdown. ". 

I think right there is a violation of honesty and law because the definition of a mandatory breakdown is that if you are qualified they MUST give it to you. 

I asked what a Breakdown is, and it turned out that they want paper documentation of my income although they already had a faxed copy of my income as Of XXXX XXXX ( verifiable with XXXX receipt. ) So I guess my complaint is : 1 ) On XXXX XXXX, on or around XXXX XXXX XXXX XXXX initlaly lied about the availability of forbearance. Mandatory forbearance is available. 

2 ) When I told her there is something called " Mandatory Forbearance '' is available, she said " You ca n't get it because there 's no breakdown. '' Which is also false. 
I could get it, she admitted after I asked her what a breakdown is ( paper documentation of income ) that it was available. 

But Navient goes further and make it deliberately difficult to get the form required. She would not email me the form, nor admit that the form is easily available on their web site. 

She said I have to wait 24-48 hours until they place the form onto the web site, and then log on to my account to get the form. 

The choices below are naive -- " Having problems with customer service '' really means " Executives are deliberately putting in place obstructionist procedures. '' Their malfeasance in order to deliberately " string out '' loans to collect interest longer before the 25 years forgiveness may amount to fraud against the Federal Government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was not able to work due to me and my family having XXXX. I contacted my auto loan company and they refused to assist me with options for payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXt on XX/XX/21 my son was hospitalized with XXXX in which I stayed with him until XX/XX/21. I am unable to return to work until XX/XX/21. I notified the company and they falsely advertised that they will help customers with payment options during the pandemic. Ive called them multiple times and the agents would not let me speak to a supervisor. XXXX was the last representative.

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 2022-05-13
Company: Experian Information Solutions 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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2015-05-20
Company: Law Office of Joe Pezzuto, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan for my home with SPS serviceing my wife has been out of work due to a XXXX and XXXX my job is the only income. irequested help from SPS they sent me the paper work and sent it in in XX/XX/XXXX here it is XX/XX/XXXX and they tell me that they turned it down because they did not get the documents. they said I could submit the again with I did and I confirmed that thay di get them. I realy want to keep my home and keep paying on it. and I 'm trying as hard as I can to work with them but I keep getting this run around my name is XXXX the home address is XXXX XXXX tn. the home is up for sale in XX/XX/XXXX I 'm working as hard as I can to get this held off until something could be worked ou on getting the payments current. my home number is XXXX muy home is XXXX so I 'm asking for any help that you can give me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: RUOFF MORTGAGE
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Runoff mortgage doesn't seem to want to pay for insurance on my house even though they are supposed to. I contacted them before closing and after stating the insurance policy hadn't been paid. They tell me they will take care of it, now months later I receive a cancellation notice from the insurance company stating it will be cancelled on XX/XX/XXXX. I called the company yesterday and they said they would take care of it. I filed an online complaint with them last night and still haven't received any update on getting the policy paid for. They did collect the money at closing, so they have been sitting on my XXXX dollars and using it for their own purposes and not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a first-time new homeowner and have a conventional XXXX-year mortgage along with taxes escrow with Loan Care LLC company XXXX I got a property tax bill that I sent the mortgage company to pay from my escrow account but it was never paid. I emailed the mortgage company and even called them on the phone two months in advance but I was told that I will be only be paid as it gets closer to the due date. Now I have to a penalty and additional due for no mistake of mine. I am trying to contact my county officials to help me resolve this. 

Please help me and guide me on this issue. 

Thank you.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed a copy of my credit report and realized that Transunion is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Transunion to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX XXXX XXXXXXXX XXXX - credit card account XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX - credit card account 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 2022-05-13
Company: EQUIFAX, INC.
State: AL
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 recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-06-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.

Company response to consumer: Closed with explanation