BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-21
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have encountered a serious problem with my escrow account with Home Point Financial, Mortgage XXXX XXXX. XXXX. This loan settled on XXXX XXXX, 2015. 
I was notified on XXXX via my Annual Escrow Account Disclosure Statement that my escrow account was short by {$1700.00}. The loan is not even XXXX XXXX XXXX yet, and there is a serious shortage. 

Home Point states that even if I pay the shortage, my monthly mortgage payment will increase from {$1400.00} to XXXX. This will create a serious hardship on my ability to pay my mortgage. 

I contacted my Loan representative XXXX XXXX, Home Point Financial, who researched this problem and informed me that XXXX XXXX XXXX XXXX XXXX XXXX failed to include the City of XXXX XXXX XXXX in my mortgage loan and that has resulted in this serious shortage in my escrow account. 

Because of this failure by XXXX XXXX, I have been placed in a serious financial hardship with my mortgage. 


The loss I will suffer from this mistake is as follows : {$1700.00} escrow shortage {$1500.00} additional amount required in monthly mortgage payment for 1 year ( New loan amt. {$1600.00} - old loan amt. {$1400.00} = {$120.00} * 12 ) {$3200.00} Total loss

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: SUNRISE CREDIT SERVICES, INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunrise credit Service - XXXX - is reporting on my credit and attempting to collect a debt that I had already paid and settled with XXXX XXXX XXXX.. They threatened and forced me to pay again so I have contacted my attorney regarding their tactics.

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 2022-04-14
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Receivables Performance Management, LLC
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX 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 2022-09-11
Company: CREDIT ACCEPTANCE CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was enrolled in Auto-Pay with Credit Acceptance, and they, without telling me beforehand, unenrolled me out of my auto-pay for my monthly billing. I'm afraid they'll unfairly charge me, ruin my credit, or repossess my vehicle.

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 2019-06-05
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Again the credit bureau 's request that you guys ( citibank ) contact them to fix this issue

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 2022-07-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize a hard inquiry on my credit profile. This was for a business credit card which should have only been a pull on my business 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 2020-04-03
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX  is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. 

XXXX/XXXX  XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.

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 2015-09-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: SC
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 Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been the subject of identity theft and am trying to place a credit freeze on my credit report with Experian. When attempting to do so, the Experian website is requiring that I set up an account but an account has already been setup at Experian by whoever stole my identity. The forgot username option on the Experian website is sending the account information to an email address that I do not recognize and that, presumably, was setup by whoever stole my identity. Have attempted numerous times to contact Experian by phone but the automated system doesn't have an option for this issue and there is no ability to speak with a representative. Each time I request to speak with a representative, the automate system says that phone support is only available in limited circumstances and then sends me back to the start of the automated system. The Experian website has no email address published to send this issue by email. I'm at a loss how to contact Experian and gain access to the account setup fraudulently to access to my credit.

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 2020-04-03
Company: EQUIFAX, INC.
State: PA
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 wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I have been unemployed for the last 6 weeks and I am applying to government agencies that look at credit reports. This could and may effect my hiring with an agency. Every time I call the person says they can not help me, then they transfer me to someone else that says that they can not help me, and then I reach someone that said he would call me back and never does. The last person that said that was from the number XXXX XXXX ( XXXX ). 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
I have attached my bill for this month of XXXX for you to review. In the description box it says I owe {$390.00} for Late Charges, Current Payment Due {$3.00}, and my Loan Balance is {$1.00}. I DO NOT owe anything on my loan, it is paid off, they are lying. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity bank is reducing credit limits arbitrarily thereby making my credit card usage appear higher, which damages my credit score and increases my interest rates. This means that it costs me more money to borrow money for a new house, car, etc. 

I have contacted them to ask why my limit was reduced or my account closed on my Victorias Secret, XXXX XXXX   XXXX XXXX and a few more and they told me their computer generated model got information from the credit bureaus that assisted them in making this unilateral decision. So I guess adding to peoples financial problems during a pandemic is what they call good business practices. 

The unwarranted actions of this company has caused me actual monetary damage and that is the basis of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting act the following companies have violated my rights : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: PA
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 wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2016-02-11
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.

Company response to consumer: Closed with explanation