BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: STONEGATE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL, STATE AND FEDERAL CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check with a balance less than the check amount. This check was written to my landlord, who routinely does not process that check for weeks. I monitored the account at least twice per day, to see if that check had been presented for payment. I did have sufficient funds in a savings account from which I could have transferred money to cover the outstanding check. On XX/XX/2016, I made a deposit by check, in an amount that provided funds in excess of the amount of the outstanding check. On XX/XX/2016, I checked my account and discovered that PNC had charged me a {$36.00} insufficient funds fee, the check to my landlord had been paid and my account had a balance of over {$100.00}. PNC had processed the check before processing my deposit. That deposit was made inside a PNC branch and by a personal check made from my other checking account ( I had received a larger deposit in that account ). I believe that PNC processed the debit before the credit in order to generate the insufficient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA XXXX account # XXXX, my rights have been violated 15 U.S.C 1681 section 602A states that I have the right to privacy 15 U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish account without my written consent Agency attached 2 hard inquiries on my report to which I have no knowledge, XXXX XXXX and 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 2022-03-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX of 2022 I mailed correspondence to ALLY FINANCIAL 's registered agent XXXX XXXX XXXX certified mail with return receipt giving them 30 days to provide specific information regarding the alleged " loan '' they claim that I owe. They received the letter on XX/XX/2022. I also made a complaint to XXXX, Michigan Attorney General, the Federal Reserve, and a CFPB complaint. In the midst of this, ALLY was continuing to attempt to collect payment until I called ALLY and made them aware of the violation, which at this time ALLY was in default of the notice that was mailed. I received a letter dated XX/XX/2022 AFTER the phone call making ALLY aware of their violation. In this letter from ALLY XXXX ALLY XXXX, XXXX from XXXX XXXXr XXXX mailed correspondence that did not satisfy the requirements of the conditional acceptance. In my letter to ALLY I stated that : No negative reporting shall be furnished, there is to be no third party communication, I demanded a validation of the alleged obligation i.e. Ledgers public and private, Verification of claim- a signed invoice, and a copy of the contact between ALLY and MYSELF, and if the specific information requested can not be provided I will consider the debt discharged. I have not received the information requested. An amended opportunity to cure within 15 days has been sent on XX/XX/2022 certified mail with return receipt to again allow ALLY the chance to send what I have requested. If they can not produce what is asked ALLY and myself are to consider the debt discharged and release the lean and security interest from my vehicle and grant me my title, and reimburse the amount of {$4500.00} that has already been paid to ALLY by check to the return address on the certified letter. This is to avoid any legal action that can be taken. 

Additionally, prior to the conditional acceptance, I sent an indorced remittance coupon for ALLY to credit the account. There is no law stating that remittance is not a form of payment, on the contrary, this is the correct way to pay an obligation due to XXXX XXXX. I have followed the Bill of Exchange Act as how to indorce a remittance coupon and according to UCC 3-603 if tender of payment is not accepted the amount tendered to pay is to be discharged. ALLY refused the payment, and did not send the indorced coupon back which is now considered theft if my account has not been credited for the amount remitted. ALLY has instead negatively affected my account and credit report by marking it late and imposing late fees, they have also restricted my account and forcing payment in a specific way which by law should not be done. ALLY has a fiduciary responsibility to myself as the beneficiary to act in my best interest which they have not.

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've requested investigation and demanded verification that meets the requirements of FCRA 609  ( a ) 1a for several items within the past 30 days thats XXXX, Transunion, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: TN
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 did not consent to or benefit from the following information XXXX, XXXX, and Experian listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.

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 2021-08-25
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 my XXXX mortgage payment for XXXX was processed ( as shown on my XXXX Bank Statement ) XX/XX/2021 my XXXX payment was processed a second time as an ACH Draft Contacted PHH customer service and told them was being charged 2x for one payment. They insisted they only were paid once. I went to my bank and they reviewed all documentation and agreed that PHH had in fact been paid twice. I told them I had contacted PHH and they stated they only had processed once. 
My bank initiated a credit for my duplicate charge and that was reflected on XX/XX/XXXX. 
XX/XX/XXXX PHH resubmits another charge for the XXXX payment for XXXX. 
XX/XX/XXXX my bank reverses that charge. 
PHH now requesting again XX/XX/XXXX for this payment of XXXX. I sent them all supporting documents on XX/XX/2021 they stated they needed 30-45 days to review. To date no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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:
I was made aware of an account on my credit report that does not belong to me. The accounts name is XXXX XXXX XXXX XXXX XXXX opened XX/XX/2016 {$6000.00}. I have no idea who is responsible for opening this account but I did not give anyone permission to open it in my name. I filed an FTC report as well as a XXXX XXXX police report which I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: LoanCare, LLC
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The name of the loan company is called Loan Care, and they are managed by XXXX XXXX XXXX XXXX XXXX. Their contact information is : XXXX XXXX de XXXX XXXX, XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Free : XXXX For over a year, attempted to update online accounts, mailing, address information and contact information. They are still receiving payments online, but their account is not accessible from where I am currently stationed, which is overseas on a XXXX XXXX in XXXX, XXXX. I even went through one of my parents back home to contact them on my behalf with a Power of Attorney, and still the problem was not resolved. I want access to view my loan statements, corrected mailing addresses and phone numbers. I plan to sell the property in 2 years, and understanding what I owe, including receiving documentation for tax purposes, is needed. I need to access my online account. Please assist in communicating to them. I only reached one number, and it was the refinancing number, which was XXXX. The person on the line did provide me my loan statement over the phone, but could not update my current phone or mailing information. He instead messaged the Loan Care customer service to send me an email. I'm still waiting on that email as of today, XXXX XX/XX/XXXX. Last correspondance was on XXXX XX/XX/XXXX to unlock my account, and another complaint sent on XX/XX/XXXX. 
Below was the original complaint to them : The tracking number assigned to your submission is XXXX. 
Please refer to this number when contacting us. 
For all updates, please email XXXX Please help, they are very problematic to work with. I'm ready to transfer this loan to another bank, it is that frustrating. How could they be so inaccessible??????? 

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 2017-01-11
Company: Sierra Holdings LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: AZ
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 several inquiries that were initiated due to fraud. My information was exposed by XXXX   breach and this is the second time people apply for credit under my name. The following are not mine : XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX   XXXX Bank  XX/XX/2020 XXXX XXXX XXXX Bank XX/XX/2020 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 2021-08-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sunday night. My card declined. I found that that there is a XXXX transaction that I did not authorized. I was not able to cancel online. Someone hacked my online account. BBT bank failed to protect my money and declined my claim. I was scared that can happened again. I closed the 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 2022-07-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Access to my Fifth Third checking account has Ben blocked since Thursday XX/XX/XXXX and Fifth Third bank representatives have been very unhelpful in figuring out why this is. I have o access to my account at all! I cant view my balance, make or transfer payments and I am on hold for an average 1 1/2 hours just to be transferred to another rep that asks me the same questions yet is un able to help. At this point I just want to close my account and get all my money out. Fifth Third is the worst Financial Institution Ive ever dealt with, the customer service is non existent and they are terrible with communication amongst customers and each other. I wouldnt recommend this business to the worst person in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a citi bank priority checking account that offered a XXXX dollar bonus if I put XXXX dollars on deposit within 30 days of opening the account. account opened on XX/XX/2021 initial deposit XXXX dollars, I had the XXXX on deposit within the 30 day time period. in order to get the bonus the account balance of XXXX had to be maintained for 60 days, I had the XXXX XXXX balance for over 90 days, I was never paid the bonus, I called numerous times after the 60 day time period about the bonus but was told something different every time i called or was disconnected, the customer service is terrible as is there phone system is full of static and people that dont speak english properly, you have to call several times just to get a halfway decent connection, only to finally get a person with a heavy accent

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 monetary relief