BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for an auto loan that is not mines. I have never applied for financing through this lender. This account appears to be a result of an identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has recently been transferred from XXXX XXXX XXXX to RightPath Servicing. XXXX XXXX XXXX received proof of property insurance from me on XX/XX/22 and again on XX/XX/22. I sent proof a second time due to XXXX XXXX claiming I havent provided them with proof of insurance. 

On XX/XX/22 RightPath Servicing made the claim, to me, that they did not have proof of current property insurance and threatened to place insurance on my property and charge me for it. On XX/XX/22 I emailed proof of property insurance to RightPath although they should have received the proof of insurance from the previous servicer, XXXX XXXX XXXX 
On XX/XX/XXXX, received XX/XX/XXXX, RightPath mailed me a letter still claiming to not have proof of insurance and threatening to purchase insurance on my behalf. I have now emailed my insurance policy to RightPath twice, again on XX/XX/22, and ask that you hold them accountable for attempting to fraudulently charge me for insurance I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork

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 2022-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
So I sent a letter off to Experian on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to XXXX on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2020-08-04
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020 I applied for auto financing through XXXX XXXX XXXX XXXX. They provided me a credit score of XXXX- source Equifax . I contacted Equifax to verify my low score though myEquifax and through customer service. I was giving a score of XXXX through myEquifax. I asked the customer service person what the discrepancy to my score. He mention that the lenders are using different scores. I told him that the score source came from Equifax. He proceeded to sell me a premier service - this is the only way to get a good score. I told him how could I purchase a premier service if i can't get a true score from you now. 

If these credit company are providing credit numbers that are different for the consumer and lenders how am I to get credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. 

Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. 

PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I went into forebearance with Freedom Mortgage. During the time I was in forbearance I was given information from Freedom Mortgage to apply for the XXXX  XXXX  assistance program. I applied for the program as soon as I received the information. I'm not sure of the exact date that I applied. My forbearance was due to end in XXXX and I still hadn't received an approval or denial from the XXXX  XXXX  assistance program. I explained this to Freedom Mortgage that I was waiting still waiting to hear from XXXX  XXXX  assistance. I was told about other options that I could do, but it wasn't explained that it would be one or the other. I was told that I had to accept the partial claim by a certain date. I wasn't aware that if I received the partial claim that I couldn't receive the XXXX  XXXX  assistance. I signed the papers on XX/XX/XXXX for the partial claim under the impression that if approved for the XXXX  XXXX  assistance it would pay the balance for me. I was approved for the XXXX  XXXX  assistance less than a month later after signing the papers. XXXX  XXXX  assistance sent a payment of XXXX, XXXX to Freedom Mortgage. This amount would have covered the XXXX, XXXX that I owed plus pay for an additional three months of my mortgage. I was then told by Freedom Mortgage that the money would have to be sent back because I had received the partial claim. I made my first payment in XX/XX/XXXX and my second payment in XX/XX/XXXX. I explained to Freedom Mortgage that if they had explained to me that I wouldn't be able to receive the XXXX  XXXX  assistance money if I accepted the partial claim I wouldn't have signed anything until I had received my approval or denial. I was told by more than one employee of Freedom Mortgage that there has been customers in my same situation and the modification was reversed. I spoke with several people at Freedom Mortgage and everyone of them told me something different. I was to that my situation would be sent to the escalation department to be reviewed. I was also instructed to send a message in the message center requesting that the money be held until the situation was handled. I did send a message requesting that the money be held. Instead the money was sent back anyway. Now I have a lien on my property that still puts me in a financial hardship. I contracted XXXX in XX/XX/XXXX and I haven't been able to return to work since due to health issues caused by XXXX. I have not missed a payment on my mortgage since I've been in my home. Now I'm in a situation beyond my control and I'm being penalized for it. Freedom Mortgage mislead me in this entire process.

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 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one tells me they closed my account due to payment was returned to my financial institution. However I never made the payment that they are claiming I made nor don't know where it came from and whose name is on that account in order to fine that person and not me. I enclosed paperwork but capital one can't explain whom made payment not I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

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 2020-01-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
follow up to XXXX XXXX XXXX it was closed but it has not been resolved I needed to add attachments to show that they are not reporting all of the info. I have also included the screen shots from another account that I have that does show all the info correctly. Commenity Bank should be showing the 4 years and 4 months of payments made in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Westlake Services, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
From XXXX XXXX, congratulations on paying off your student loan! 
In today 's world, it 's not always easy to manage debt, use credit wisely, and keep up with the demands of your career and personal life. But you 've done it, and we applaud your success.

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 2017-05-22
Company: Navient Solutions, LLC.
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:
I received a letter dated   XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX  to validate an alleged debt.  XXXX   XXXX  has identified themselves as the original creditor but they are not and the information the creditor provided to validate the debt is invalid. The date on the materials provided for  XXXX  University was dated  XX/XX/XXXX  and I was  XXXX   XXXX   XXXX  at that time. I am not legally responsible for this debt because I was a minor and I could not enter into such legal contracts when I attended  XXXX  University from  XXXX . In addition, there is a note at the bottom of the letter stating waived  XXXX . That is the business that is responsible for this debt.

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 2016-10-11
Company: Alliance One, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Mortgage Research Center, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TFC Credit Corporation of California
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended a fraud college for one day XX/XX/2020. I got false information didnt know I was signing up for a loan. I was in a car accident same day was not able to get around so I withdrew due to lack of reliable transportation. I withdrew from the school the proper way and returned the books I received and then I started getting calls from TFC stating I owe almost {$700.00}. I didnt understand how because I only attended the school for one day. The loan company is extremely rude and will not compromise on any thing all they want is money that I do not owe. I had a bad feeling about the school and I was right because now the school is under investigation for fraud. The owner has been scamming students to pay out of pocket when the school is federally funded. The loan company TFC has to also be a scam because there no way I owe almost {$700.00} and I didnt attend the school. They have reporting false information to the credit bureau and it has effected my score in a negative way tremendously. Please help I am going through a hardship and I was already ripped out of {$1000.00} out of pocket tuition payment that the healthcare institute ( in XXXX, TN ) wouldnt refund me back. Please tell me what I would need to do to stop this inaccurate reporting. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it 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 2020-08-04
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PNC prevents linking customer accounts to online financial services accounts. This prohibits PNC customers to be able to do online transfers through third-party providers such as XXXX. PNC customers should have the right to these services like any other XXXX XXXX   customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover is reporting an account on my credit report that I never applied for. 

It was opened XX/XX/2014 and has a credit limit of {$1500.00} and a balance of {$2000.00}. 

Furthermore, the address on the account is in Oklahoma and I have resided in Alabama for several years so there is NO WAY it is mine.

Company response to consumer: Closed with non-monetary relief