BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-09
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX We sent Statebridge Company {$1500.00} in certified funds. We sent the payment XXXX and Statebridge received and signed for the funds on XXXX XXXX at XXXX. On XXXX XXXX, 2015 i contacted Statebridge via a phone call. The customer represenative said they did not receive payment and have no record of any payment. The representative said she refused to speak with me unless I rescinded a Cease and Desist order they received XXXX XXXX I faxed them a letter on XXXX XXXX, 2015 rescinding the Cease and Desist Order. I called Statebridge again on XXXX XXXX, 2015 and the representative indicated they did receive the rescinded a Cease and Desist Order. The representative once again denied receiving the payment. I reminded her that The Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. 
We have been charged additional interest on our account because of Statebridges violation of the CFPB rules by not crediting the consumers account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to damage by reporting an unverifiable & possible fraudulent acct. They just completed another investigation on my credit & I 'm truly confused how they 're verifying the following information ... XXXX is reporting on my credit. I 've sent over 5 letters to Experian requesting how they verified the information as I 've contacted the company twice & have received nothing from them. Additionally, I have no signed contract or agreement so I 'm curious as to how they 've verified the account. I 'm attaching all the correspondence which I sent to all parties. It has now been over 9 months since I first started disputing this account. It 's time that they do their job & remove it for lack of any verifiable proof. Lastly, I believe the company is trying to collect on an account which was already paid or covered by insurance but they did n't file the proper documents to get paid so they thought damaging my credit would get them paid. I have no records of this company nor do I think any exist. And since I 've never signed an agreement with them I believe it 's a fraudulent claim & could do n't be verified. I need it removed at once or I will be seeking a legal remedy.

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 2016-02-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: VW Credit
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
EXPERIAN WILL NOT STOP ISSUING FRAUD ALERTS AND SECURITY ALERTS. I HAVE HAD TO CALL ALL XXXX AGENCIES AS WELL AS SMALLER ONES TO GET THIS CORRECTED BEFORE MY CREDIT EVEN GETS A CHANCE TO RECOVER FROM THEM THEY ISSUE ANOTHER AND ANOTHER- I DO NOT KNOW WHAT TO DO ANYMORE- I HAVE CONTACTED CORPORATE EXPERIAN I AM DISPUTING YOU! YOU ARE ISSUING FRAUD ALERTS OVER AND OVER ISPOKE WITH XXXX FROM EXPERIAN AND WAS ASSURED ALL WAS OK- NOW I HAVE XXXX TELLING ME YOU ISSUED A FRAUD ALERT AGAIN AND SO NOW THEY ARE TOO- DO YOU SEE THE VICIOUS CIRCLE YOU HAVE ME IN? SHE CALLED FROM XXXX AND AT XXXX THROUGH THE XXXX NUMBER I WAS LEFT A MESSAGE AND SHE HELPED ME HOWEVER I HAD TO SEND COMPLAINTS TO MANY MANY INDIVIDUALS BEFORE SHE CALLED. SHE HELPED AND BEFORE IT COULD CLEAR FROM CREDITORS SEEING IT THEY ISSUE ANOTHER XXXX. THIS HAS GOT TO STOP!

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 2016-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them 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 explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX XXXX ( Collection Agency ) listed on my Transunion Credit Report is not a valid ( legal ) debt ( which I have been fighting for XXXX years ). I have repeatedly contacted the Collection Agency for resolution-and received none. ( BTW-I filed a complaint with your organization against them XX/XX/XXXX. and I have yet to receive a response # XXXX ). In XXXX of 2014 I filed a complaint with your organization to have this Collection Account removed from XXXX # XXXX-which it was. I have tried to dispute this directly with Transunion ( supplied them with all the back-up documentation to prove this is not a valid ( legal ) debt and all they appeared to have done is simply contact the Collection Agency to " validate '' the debt ). That is not an investigation and certainly does not fall within the definition of " valid '' debt-because it is not ( valid or legal ). I am providing you copies of all correspondence with the original creditor and collection agency with the WA State Landlord/ Tenant RCW 59.18.310 code/ law clearly outlining the law, copy of the ledger and lease clearly showing I met my financial obligations, and a copy of the determination of the complaint I filed with your organization against XXXX and it 's outcome ( that it was deleted ). I have also included the letter from Transunion with their " Investigation Results ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2022-06-01
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft.i checked my credit report and see some fraud inquiries listed that were not generated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Issue: Late fee

Complaint:
Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
While working with Ocwen Loan Servicing to modify our mortgage loan and prevent foreclosure. The inconsistent information that was given to me and the methods used to determine " timely '' filing of information enabled the attorney, acting on behalf of the Bank, to direct the auctioneer to proceed with an auction on my property on XXXX, XXXX, 2016. My repeated attempts to comply with every direction requested by Ocwen Loan Servicing to file a " complete '' application was deemed to have been received on XXXX XXXX, 2016. Please review the attached documentation and help me to reverse this action and retain ownership of my home. A complete file of all documentation is available at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have sent me a collection notice for {$440.00} and this is supposed to be the final amount due for water and some minor miscellaneous charges from an apartment that I lived in for one month 's time. There is absolutely no way that my water bill was that much for one or two months. They averaged about {$82.00} a month while I lived there. I have asked both the apartment and the collection agency repeatedly to send me a statement itemizing the charges. It has been 9 months since I moved out, and I can not get the statement. I called the apartment, and they say that they made an error and it should be about half that, and they told me that they took care of it with the collection agency, however, I just received another statement from the collection agency with no correction. The collection agency then sent a collection notice to my son who was a minor on my lease, and that is absolutely wrong. Any communication with this collection agency is just completely unhelpful. They yell at me that they can not make the apartment send the statement, and refuse to provide it. I told them not to call me any more, and they said they would call continue to call me. Bottom line, I will pay what I owe, which should be around {$200.00} but I can not get an accurate statement showing me what I owe. I need the statement, and I need this item off of my son 's credit, as he was a minor child listed on my lease as a child, NOT a responsible party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a garage fire XX/XX/2014. At the time of the fire the home was in foreclosure. Damage over 5k and the insurance company makes the check out to the homeowner and the lender. We were told if we signed the check over to the lender and had a licensed bonded contractor while in foreclosure they would release funds, in three payments. The contractor stole our money. The lender told us that once the loan modification was done they would release the funds directly to us and now they wo n't give us our money. We want to sub contract out and allocate the funds ourselves. It is my money and they wo n't release it without a new contractor. For obvious reasons, we do n't trust contractors and ocwen wo n't give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-03-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor XXXX was paid all rents and utilities on time and in full. After completing the lease there was never any notice of any additional money owed as everything was paid in full. Several months later Hunter Warfield ( a collection agency ) contacted me saying I owed over {$800.00}. I requested a full description and invoice for what was owed and never received a response. They later added a derogatory remark on my credit reports. Note that the original lease company never contacted me on this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation