BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Pinebrook Holdings, LLC
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
The original company whom provided me a loan, sold my loan to another company. However, it has now been nothing but harassment. They call all day everyday, even after sending them a letter with contact permission, they also harass my family and my work place. Every time I ask for contact information they refuse to give it to me, and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not incompliance and I want this issue resolved asap.

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 2015-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX, I rode through a tollbooth free camera tollbooth in XXXX XXXXXXXX Virginia. This tollbooth mails the toll bill of {$5.00} to the owner of the vehicle. I have never understood why XXXX   address is shown as owner of this vehicle but XXXX received the bill and instead of paying it, XXXX sent it to me 2 months later and because the bill was held up at XXXX, There has now been a {$25.00} late fee applied. While trying to work this out with XXXX, the toll booth company sent this to a lawyer who added another {$80.00}. I am willing to pay the original {$5.00} ( and tried to pay ) but XXXX took too long to send this too me and had added fees that are not my fault. This exact same thing happened in XXXX and XXXX paid the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, 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:
There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or around XX/XX/2020 I submitted an online application for a XXXX XXXX  credit card underwritten by Wells Fargo Bank. Part of the process they require authentication of ID by a third party application. This application seldom works correctly. Finally, after many attempts, it did work. 

I filled out the application completely and accurately and submitted it online. After about a minute of " processing '', I was given a telephone number to call. I called and the Wells Fargo employee stated that they can see the application and the full details, but yet they did not receive the application. There is nothing they can do, she stated. 

I used a different computer and again applied. Again, their third-party ID verification system didn't work correctly until the fourth attempt. Finally they were able to verify my ID and I complete and submitted my application. The same thing happened again. I was instructed to call. I called and the same story about how they see my application and see the data I filled out, but they didn't receive the application. 

She said my only alternative was to go to a XXXX XXXX store. 

I attempted to contact Wells Fargo via XXXX, but they seldom respond coherently. 

This is not the first time I have been involved with Wells Fargo XXXX incompetence. I believe they are simply refusing to accept applications for some illegal motive or they are simply incompetent to set up their application system and / or handle problems when they arise.

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 2015-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a property in XXXX, Virginia and the mortgage was transferred to Selective Portfolio Servicing Inc. ( SPS ) from XXXX about five months ago. I recently received a letter from SPS that my annual taxes had increased from {$1700.00} to {$6900.00}. I called SPS customer service to dispute as my tax is still {$1700.00} yearly and was advised to send a copy to prove otherwise. I obtained a copy of the annual tax and faxed it to SPS. I have called and been advised that the fax was received. Since sending the fax I have called them by phone nearly daily for the past two weeks with the same answers that my faxed copy had been received and being investigated. However, the last time I called 3 days ago, I was told that they received my fax but nothing further had been done. This has resulted in a $ 500+ increase in my taxes. I do n't believe this organization is honest as the information on annual taxes are easily retrieved from the city 's website.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account.

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 2020-08-06
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: Was not notified of investigation status or results

Complaint:
When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.

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 2020-08-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Hi - I didn't opend the credit card with SYNBC/AMAZON XXXX. I explaned serveral instances that, the card is not mine and they charged fines and penalties and they made bill of XXXX dollors. This card is mine and requested SYNBC/AMAZON to investigate as card not opened by mine. They are keep ignoring my calls and reported this to credit bureaus. its impacting my credit very badly. Hence I am reaching you for your help.

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 2017-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS loan servicing has misled us into believing that our hardship review was being processed and underwritten and only required some time in order to review. Since XX/XX/XXXX we 've asked of all the documentation that was needed to complete the review and within 2 days we complied. We have proof of receipt of all documenation remitted was received by SPS. A week later a redundant set documents were requested. We established that these documents had already been remitted but SPS indicated that this was not in their control and that our processing for review would be denied should these redundant documents not be resubmitted. We were told on XX/XX/XXXX that all documents were in and that the loan was in underwriting. This was confirmed by XXXX XXXX the manager. Today, we were informed that this loan was not in underwriting by XXXX XXXX and that another set of redundant documents consisting of pay stubs was needed. We communicated that these documents had been sent in and confirmed received two weeks ago. We are now concerned he that SPS has intentionally misplaced our documents and is intentionally delaying our loan modification review in order to cause us to lose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 2020-08-06
Company: M&T BANK CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just completed a 5 year bankruptcy with M & T Bank. It has been a complete and utter nightmare! Though my payments have not always been on time, they are being made. Since XXXX i have been having trouble with the bankruptcy department giving me correct information and breakdown. I always asked before paying my payment which month it is being added to because i know it is a recorded line and the next time i would call funds would be applied to a separate month and i would have to file a complaint and they would look into it and of course i would end up paying extra money. Now, i have been keeping records and in XXXX they sent me a breakdown of what was owed and i sent a check. Every month i would have to send a check via UPS ( as per their request because they would not let me make payments over the phone ) since it was the end of my bankruptcy and my account was in " suspense '' i kept track of every check in 2020 and in XXXX i sent two checks one for XXXX one for XXXX. M & T Bank held one of the checks in suspense and when i asked for the funds to be applied in XXXX & XXXX, finally in XXXX they applied the funds to XXXX. Now they are claiming i owe for two months and i filed a complaint with back-up documentation including a breakdown that was sent from their lawyer to my lawyer and the representative is still arguing with me telling me im incorrect. I have made monthly payments, lawyer payments, suspense payments and i should be due for my XXXX mortgage payment. I have attached all of the recent payments made and the breakdown sent to my lawyer from M & T bank. I am petrified they are actively trying to foreclose on my home! Please help. i can answer any and all questions. 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 2020-08-06
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 2020-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
I 'm concerned with Equifax 's security leak, especially because sources now say that it was due to a 9-year-old security flaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am trying to link my PNC Checking account with XXXX and I received a message stating PNC has recently changed my account so I can not link it to any other accounts. I was not made aware f this change nor asked if I want this change in place.

Company response to consumer: Closed with explanation