BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have recently inherited a property due to the recent passing of my father, XXXX XXXX. Loan # XXXX. We notified the servicer of the death in late XXXX and immediately upon receipt of the assumption package we emailed the requested loan assumption documents and death certificate on XX/XX/XXXX to assumptions @ loanadministration. We received and auto reply notification that the documents were received. We then received an email from XXXX in Assumptions that requested we send all the documents again even if we have already sent them. We immediate emailed them again. Then we received a notice in the mail early XXXX, dated XX/XX/XXXX stating that we are unable to assume the loan as investor guidelines do not permit it. This is a 30 year conventional mortgage - I am unsure who the investor is. We have been reaching our to loan depot since receipt of the letter at the number provided XXXX and are getting no where. We finally reached one gal in customer care, XXXX XXXX, who advised that the executor of the XXXX needed to send in requested documents. XXXX XXXX, my brother, and executor of the XXXX tried to fax the document to the number provided, XXXX multiple times. XXXX then advised him to email these documents to XXXX which were sent on XX/XX/XXXX. We have called numerous times and spend countless hours on hold, being transferred from person to person - with no answers ; no one seems to know anything about dealing with a decedent account or an assumption for that matter. The lack of compassion and care for the customer that is experiencing a loss of this magnitude is astounding and quit frankly unacceptable. It is my understanding the servicer is to work with the costumer in these situations ... instead it is turning into a nightmare. We have paid the mortgage for the last three months, lived in the property for years and just want to understand the next steps. Can we assume it, can we refinance it into our names, is it considered a purchase? Rates are at an all time low and we would like to get this resolved with as minimal emotional impact as possible. We are not getting any answers and keep trying. I am writing now this complaint as I am at my wits end extremely frustrated as I am sitting on hold for the third hour today. No customer should have to go through this to get some answers. 

Thank you for your assistance and prompt attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally started with this refinancing with this company XXXX months ago. Through this entire process, I have given NewRez multiple opportunities and have very patient with going through this process. From XXXX to XXXX the processor I worked with no longer was responding until I called the original employee I was working with for him to say " he has no idea what is going on ''. I have asked for managers and explanations and never once received them and I have signed documents several times over and over again with the same terms throughout this whole process. After 5 months I began to put more pressure and here we are at closing and they have changed the terms on us after 6 months when I have rate lock agreements that are still valid. The communication, professionalism, and lack of client support are horrible. They are not a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Had issues adding funds from my XXXX account which had more than adequate funding. Coinbase, the recipient, had no customer support available. It is a 24/7 operation. 

Coinbase systems had issues recognizing the added account. It was not visible on user screen. The app and web browsers needed to be cleared and rebooted for the new account to appear. Coinbase uses a third party to accept username and password to the bank the client is adding. Coinbase still retains access to this information. 

The issue was submitted to Coinbase support three times. Reference Cases : XXXX, XXXX, and XXXX. 

Coinbase decided to allow 3 transactions in the total amount of {$610.00} and then returned to this client stating that there was a problem retrieving the funds. Today, XX/XX/2021, they removed monies from my account in excess of expected balance in an attempt to recoup funds that they cound not retrieve from XXXX. Monies could not be transferred into their system to balance the account to their wishes as their failed monetary transfer system failed! They have cost me potentially hundreds of dollars, there is no customer support and cryptocurrency is highly volatile. This client account holder has done absolutely nothing wrong. The systems failed to act according to design which is Coinbase 's responsibility. Coinbase owes me {$700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These are company 's that are giving false information because I applied for anything or know anything thing about these companies

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 2023-08-05
Company: EQUIFAX, INC.
State: MI
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 have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and Equifax never updated that my auto loan was paid off and I had to dispute it and Equifax took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but Equifax still showed the false reported amount from XXXX XXXX XXXX and Equifax had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that XXXX XXXX is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS EX HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.






FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX





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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 2023-08-05
Company: EQUIFAX, INC.
State: NJ
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 have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX left on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

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 2022-05-02
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hi. 
My name is XXXX XXXX. My jointly owned property in XXXX XXXX, Maryland, for which I have Court ordered possession, is scheduled for auction sale on XX/XX/XXXX because my ex-husband, XXXX XXXX, has defaulted on the first mortgage. He also has defaulted on the second mortgage, a HELOC that was with XXXX  XXXX XXXX and was released by them to Specialized Loan Servicing ( SLS ) to collect the debt. 

In XXXX of XXXX, my ex-husband provided third party authorization for me to work with Specialized Loan Servicing on his HELOC. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX have foreclosed on the property. 

A judge permitted me to attempt to refinance the home and I now have an approval letter to do just that IF the two mortgages can be settled for the amount of my refinance loan - two loans combined into one loan. The HELOC was released by XXXX XXXX XXXXXXXX to SLS in XXXX and my ex-husband, XXXX XXXX, would pay but now he is three months behind. 

SLS keeps asking for a Mortgage Assistance Application to be filled out by my ex-husband, the loan holder for them to consider my settlement offer that I emailed to their XXXX email address on XX/XX/XXXX. XXXX refuses to fill the application out. Time is running out for me. Since the home is foreclosed on and set for an auction sale, SLS does not have the collateral of the home and is likely to not receive funds towards the almost {$65000.00} owed. 

I need a statement from SLS that they agree with my offer so that I can close on my refinance loan. I can never speak with a supervisor in spite of repeated requests for a call back. No one can state whether someone in XXXX has reviewed my settlement for consideration. No one calls me back. No one at SLS cares and everyone gives rote answers. SLS states that I must send a copy of a bank statement showing the funds in a bank account for the amount of the settlement as well. That simply is not possible since they will be paid by the refinance company who will not refinance unless they have statements from the mortgage company that they accept my settlement offer and will release the lien at close of the refinance loan upon receiving payment. 

There absolutely should be an accommodation for these situations of a contentious divorce with non-compliance and lack of cooperation of the loan holder on a jointly owned property.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove fraud account from my file. you are violating my 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 2022-02-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
During the COVID epidemic, which resulted in a reported 38 % increase in used car prices, several major manufactuers ( XXXX, XXXX ) instituted policies which precluded lessees from exercising the purchase option outside of their own dealership of forcing the lessee to purchase the car themselves and then sell it.I received offers from both XXXX and XXXX at substantial amounts above what XXXX  was willing to pay after I found out I could only exercise my sell through a XXXX  dealer.It is obvious that XXXX  wanted a major piece of the equity buildup, even though they had priced the initial lease with their standard profit margin.I do not see how this policy was deemed legal and in violation of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Select portfolio servicing for XXXX XXXX has {$370000.00} principal payments I made to two mortgages from XXXX XXXX XXXX XXXX XXXX. They returned {$83000.00} -apparently from my escrow account and then kept all of the {$350000.00} the buyer gave me for my house in XX/XX/XXXX. 
The pay history shows a new loan of {$270000.00} I did not sign and no one gave me. There is a {$230000.00} loan disbursement that I believe paid off the real mortgage that XXXX XXXX  failed to release.because of this I now owe about {$30000.00} in taxes and penalties on {$120000.00} I had to take from my retirement to close on the new house. I bought the old house for {$260000.00} in XXXX. I put {$60000.00} down and mad {$620000.00} payments. I sold it for {$360000.00} and spent my retirement to buy a {$210000.00} house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
My consumer rights have been violated. XXXX XXXX account # XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account is not mine and has been opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
EXCEEDED 30/60/90 DAYS VIA NO RESPONSE FROM CREDIT BUREAUS : XXXX  : USPS TRACKING NUMBER : Tracking Number : XXXX Scheduled Delivery by SATURDAY XX/XX/XXXX by XXXX USPS Tracking Plus Available Status Delivered XX/XX/XXXX at XXXX XXXX Delivered, XXXX XXXX XXXX , TX XXXX To : FRAUD DEPARTMENT, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, United States Tracking Information : Delivered : XX/XX/XXXX XXXX am EQUIFAX : USPS Tracking Number : XXXX Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX , GA XXXX. 

Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX, GA XXXX FRAUD // IDENTITY THEFT // FRAUD EMAIL // PHISHING ATTACK CAPTURING CONFIDENTIAL PERSONAL DATA. Fraud Applications And Accounts Established Via My Personal Credit Portfolio.

Company response to consumer: Closed with explanation