BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$260.00}

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 2022-05-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, # 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

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 2016-06-06
Company: Green Square Company LLC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company continues to call my cell, my spouse 's cell, children 's phones, and parent 's. I have never had this debt and they call from different phone numbers. They claim to have my bank info, ss #, and e-mail address.

Company response to consumer: Closed
Consumer complaint received 2016-05-27
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on XXXX I 've paid on time 100 % on the other they say am missing XXXX payment

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 2022-10-25
Company: EQUIFAX, INC.
State: IL
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:
I received a dispute update letter from Equifax which stated the disputed item is not currently being reported on my credit file. It prompted me to check my credit score which is extremely low after they removed the disputed item. I filed a complaint about a business account reporting on my personal credit file. Before the inaccurate reporting, my score was XXXX and now after removing the business account my score is XXXX. When I tried to access my Equifax report they have me blocked from accessing it. My wife and I called Equifax and put through a validation of questions that were all answered accurately, they sent a link to my phone that could not be accessed. I requested to speak with a supervisor and was denied and they tried to make me upload my personal data through a link and hung up on saying they could not validate me, and I was being combative. Equifax have me block from reviewing my credit file and will not allow me to speak with a supervisor. They have removed accounts that were paid as agreed and reporting them as closed which affects my score, they have removed accounts that is current that I am an authorized user. They are trying to sabotage me. My {$15000.00} XXXX XXXX XXXX XXXX XXXXimited was dropped to {$1000.00} credit limit, my XXXX XXXX card was closed based on my credit usages. I have an excellent payment history before this I was getting preapproved offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I opened a Bank of America credit card on XX/XX/2014 and consistently paid my credit card on time. I opened a new credit card via another bank and moved all my purchases and reoccurring transactions onto that card. However, I forgot two reoccuring purchases for a annual domain renewal from XXXX for {$9.00} each that were still on my Bank of America card on XX/XX/XXXX. For some reason, Bank of America stopped sending me email notifications for my credit card and I did not pay them until XXXX. I paid the unpaid bills in XXXX but they still cancelled my credit card and reproted it to the credit agencies. Because of this, my credit score took a large hit from having 3 delinquent payments on my credit card bill of {$20.00} which is ridiculous. Bank of America did not try to contact me at all about this and automatically closed my account as well as revoked my travel rewards of {$150.00} that I accumulated. 

I contacted Bank of America about this issue and they said they would reimburse me for the travel rewards which I never got. I also tried to reach the credit department to dispute but I do not have the proper records since they closed the account and I can't access the previous documents. I've never had a worse experience with a bank over such a trivial amount.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, TRANSUNION

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 2016-09-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ 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 2020-04-13
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am experiencing financial hardship due to the COVID-19 virus and am currently unemployed. I have contacted Dovenmuehle mortgage company to apply for forbearance according to the terms of the CARES Act. Dovenmuehle is only responding by mail with ATTEMPTS TO COLLECT A DEBT when the mortgage payments are not behind, the letters they are sending have been back-dated prior to my initial contact with them, and the are saying they are going to have an appraisal done on my property that I will be charged for so they can complete a loss mitigation application. I only want to forbear payments for 180 days as is allowed by the CARES Act. This is a federally backed FHA mortgage. It's my understanding I can do this without further documentation, or fears of late fees, interest, extra penalties, or being reported to credit bureaus. Dovenmuehle in my belief is not in compliance with federal law and is putting additional stress and potential costs to consumers who are acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I invested money in a cryptocurrency account and did a few investments and my investments have increased and now I am unable to get into my account.I have since found out that this company is being sued for these practices. The company is Coinbase and I have about XXXX invested at this time but with my investments doing so well I would say that number has more than tripled. I have tried numerous times to contact this company but I am unable to get any help.I have been locked out of account for almost 2 weeks and I am losing money daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-30
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MO
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:
XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Account status incorrect

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

The information was removed from 2 bureaus, due to inaccuracy, but still remains on one bureau Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report. It has been over 30 days. So they should be deleted promptly. I demand those account accounts be deleted immediately, or I will file for litigation, due to the stress this has caused me.

The credit bureaus have also violated 15 USC SECTION 1681 623 ( 9 ) ( B ) ( 2 ) The credit bureau are suppose to complete all investigations before the expiration of the period under section 611 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I PURCHASED A CAR AT AROUND {$16000.00} AND I HAVE BEEN PAYING ON IT FOR 2 YEARS 10 MONTHS AND WHEN I ASKED THEM FOR THE PAYOFF THEY SAY IT IS ROUND {$16000.00}. I ASKED FOR PROOF SEVERAL TIMES AND I GOT NOTHING. I WENT THROUGH XXXX XXXX XXXX GA AND WAS NOT TOLD ABOUT THE AMOUNT OF INTEREST THEY WERE PUTTING ON ME. I MAKE MY PAYMENTS THROUGH EXETER FINANCE. THEY KEEP STATING THAT I ONLY BEEN PAYING ON THE INTEREST FOR ALMOST 3 YEARS. SO I AM PAYING FOR 2 CARS REALLY WITH THE AMOUNT THEY ADDED ON TO MY LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Other

Complaint:
I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.

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 2016-09-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 List Of Accounts Below Has Violated My Federally Protected Consumer Rights To Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.

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 2016-08-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our issue is that Specialized Loan Services not applying our Home mortgage payments in a time manner. They hold the payments for no reason. Here is a good example. Keep Your Home California help us approving {$49000.00} last year in XXXX XXXX. SLS received the {$49000.00} From KYHC in XXXX XXXX and they just applied to our account over a year later and after hundreds of calls to them and they finally applied the money with KYHC help. Also right now they are showing that we have n't send any payments since XXXX, XXXX. On XXXX XXXX, XXXX we submitted a bank statements to proof of payments for all these months and following with phone calls with out any response yet. as today our loan payment history it 's a mess and we do n't see a way of resolution. Here is some history on how the mess started. when Specilized Loan Services received the {$49000.00} from Keep Your Home California they applied to our loan account and sent a statement letter which explained the new do payment amount so we started to send the specified payment amount since then but they pulled the {$49000.00} from our account and when we questioned why that happened they argument ed that they still need the signed Agreement for Modification of a Mortgage Re-amortization Only. Which we signed and mailed to them at the binning of the process. I can remember how many times we signed the Agreement and re-sent it to them and we have records of proof of delivery for the document. i really believe that this is a fraud. We really need some professional assistance to solve this issue. 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 explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: CA
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 have been waiting for nearly five years for Equifax to pay for the damage to my credit from their massive breach of consumer data. As a result of said breach, my credit information was used to open numerous credit accounts, and I had to hire XXXX for nearly five years to clean up that mess. Equifax was supposed to pay for my credit monitoring costs, and for all the time it took to clean up my credit. I filed claims with Equifax in a timely manner and have not heard anything from them. They are suppose dot pay up to {$5000.00}, for individual damage, and {$1500.00} for credit reporting. They have not paid a cent to me, nor have they even communicated with me. It is bad enough that they failed to protect my credit information, but it is bad faith on their part to avoid the court ordered settlement and ignore claimants. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX

Company response to consumer: Closed with explanation