BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is regarding Community Loan servicing First my investment home mortgage was with Home point, they sold to Community servicing. we set up Autopay with Community loan servicing from my Bank for my mortgage on XX/XX/XXXX, I received a notification letter that the autopay was setup on XX/XX/XXXX, since i received the communication about autopay i didn't check my account. I applied for refinancing of my primary home on XX/XX/XXXX and i found out that my credit score dropped significantly about 160 pts because of 2 missed mortgage payments for Community loan servicing. I called the Community loan service and was able to talk to Escalation dept as i didnot recieve any notice, who told me that my autopay was cancelled and a letter was sent to my address which i got on XX/XX/XXXX, on the letter it was dated XX/XX/XXXX. I am not at fault and Community service reported to Credit Bureau and caused my score to drop 150pts. because of their negligence i am going through mental stress as many of my projects that need loan are on hold. I requested them and they told me that credit score will be corrected in 2 days, but didnot happen yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help.
Thank you, 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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX  days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2019-09-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I do not have dates currently but wanted a record of a formal complaint. I have since consolidated but loans but previously had them with navient. I was a student that they offered forbearance to and they did not speak about income driven payment until it was in the news. The cost of the forbearance was that it just about doubled my loans. The final number ended up being {$160000.00} and should have been around {$80000.00}. 

I would also send in payments weekly and noticed they were not allocating my payments correctly. They would claim it was a glitch in the system. Due to the way interest is added I will never know if all my payments were ever accurately fixed. It just felt wrong they were able to claim a glitch a move on. I am happy to provide any details in the event you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call from a collector on XX/XX/XXXX. His name was XXXX XXXX. He stated he was from XXXX XXXX XXXX XXXX and that I had an account w/Fifth Third Bank in which I owed XXXX. He told me that the debt was owed since XXXX. I immediately told him that I went bankrupt in XXXX and that they were in the bankruptcy and it was discharged in XXXX. He then told me that did not mean anything as the debt was discharged in the year of XXXX. I immediately told him to stop calling me. He then asked for my lawyers information and had a very nasty attitude. After that he sent me an email that had a settlement letter in it. I called my lawyer and they told me that Fifth Third was indeed in the bankruptcy, but he does not know why they would say I owed at the time XXXX as I did not owe but XXXX dollars under that bank at the time of bankruptcy. I called the debt collector back and he told me that I probably had two accounts and that they would be going after me a different way to pay off the debt. I told him that I did not have but one account and that was in bankruptcy, and I do not owe Fifth Third anymore because after my bankruptcy I never went back and opened anymore accounts because I have been with Third Federal Savings & Loan since the bankruptcy. I asked him why did he say that I owed the debt in XXXX, and then when I let him know I went bankruptcy in that year, he turned around and said no it was charged off in XXXX. He hung up on me. I am filing this complaint because I do not owe Fifth Third Bank and this company has been calling me since the bankruptcy and have been harrassing me even though Fifth third already was alerted that I had went bankrupt, they still sold the debt and now I have been harrassed. They should not have been calling me at all. And even though I keep telling them that I have went bankrupt they continue with the harrasing phone calls, much of them hanging up on me. When I move they try to find me and call my new number as well. Now they are trying to make it look like I had another account and that the bankruptcy is null and void and is trying to attack me civilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
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:
I have tried to dispute the inaccuracies on my credit report with Transunion several times and have disputed the information. I receive correspondence saying account for Americollect for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with Transunion for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.

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 2022-02-05
Company: Experian Information Solutions Inc.
State: WA
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 sent Experian written instruction according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Experian is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Experian to carefully read my written instruction and grant me my rights under the FCRA.

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 2021-03-25
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMA CREDIT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.

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 2022-02-05
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine and they should be removed from my credit file. 
XXXX ) Suntrust account # XXXX Date open XXXX XXXX Balance {$21000.00} XXXX ) XXXX Bank account # XXXX Date open XXXX XXXX XXXX Balance {$38000.00} Loan Amount {$55000.00} Someone stole my information and open these accounts. I have put a fraud alert on my credit file sent in my Identity Theft Affidavit in police report and someone was still able to open these accounts fraudulent.

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 2018-01-03
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 I placed a security freeze on all three bureaus along with a security alert, due to suspicious activity from monitoring services. Experian, however, sent an email confirmation with the name XXXX XXXX and my name is XXXX XXXX. I have never been associated with that name and when performing the security freeze over the phone, it was not a live individual when asking for verification. I was trying to fix this, but in order to do so I have to lift the freeze and it will still not let me speak to a customer service representative to sort out the issue. I have called 2 different numbers found for Experians customer service line. Their online system and phone fail to help me " self-resolve '' the issue. I understand this, then they should add a section in the phone or separate customer service or chat option to help with these matters. I just do not want the freeze removed yet until I can confirm why they have an incorrect name in the first place. Please assist.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past XXXX days ( XXXX ). This is likely due to the volume of requests.

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 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 2 credit cards with CapOne. I called customer service once i noticed that both cards were restricted. I was told there was a fraud restriction on my cards and was asked to send in the front/back of the driver 's license for each AU that was ever listed on my account even those that were no longer listed. I mentioned that some of the previous AUs, I was not in contact with and I was told to get it or my cards can't be unrestricted. I was also told that my son who was also listed as an AU needed to go and get his state ID as his school ID ( he had just turned XXXX ) and his passport would not be sufficient. I submitted the documentation via the secure link multiple times per person that they requested. Even after being told all documents were received, I was asked to resubmit some documents again, which i did. After 2.5 months of submitting documents over and over as well as payments being made ( as account was set on auto-pay ), The last representative I spoke with confirmed everything was received and in order, but I was told that my representative couldn't unrestrict the card and I would get a call from someone who would be unrestricting it for me. After 48 hours of not getting a call back, I called in and I was told that my cards were permanently closed and available for payments only plus membership fee. One of the final payments on the card was returned due to auto-pay not being able to withdraw funds, and I made the payment from another account the same day of that attempted draft, as I was unable to make any changes to the accounts directly due to restriction. 

I have 3 business accounts, an auto loan, a personal checking and savings, as well as money/student checking savings accounts for my XXXX children with Capital one. To be treated with such disregard after completely complying with the request of the fraud department is Unacceptable. I have not even been made aware of what the issue was in the first place. I even mentioned removing the AUs if that was an issue as my cards have been open for over 7 years with perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX  has placed a collections account on my credit stating I owe them {$37000.00}. I called the company multiple times stating I am a victim of identity fraud and this account does not belong to me. Instead of asking me for my police report or the officers information, they want me to settle the account for half the amount. XXXX XXXX XXXX XXXX  is a horrible company and harasses me constantly for a debt that doesn't belong to me.

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 2018-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has an ad on their website that states " Set up a recurring buy of {$50.00} or more and youll earn {$10.00} after both your XXXX and XXXX recurring buys. '' A picture of the ad is attached. The? icon in the ad links to information on pending/received rewards ( picture attached ). There is no fine print in the ad, linked to from the ad, or the " Set up a recurring buy '' form. A picture of the latter is also attached. 

I set up a recurring daily buy of {$50.00} on XX/XX/XXXX. XXXX such buys completed. I did not receive the promising bonuses. 

I opened a ticket on XX/XX/XXXX. Their reply on XX/XX/XXXX listed terms that were never disclosed in the ad. The ad is still on their website and still does not list any additional terms. 

A XXXX search for the text of those terms shows that the only place they are listed is from other people complaining of the exact same problem. Those hidden terms do not exist anywhere on Coinbase 's website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: AR
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:
In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.

Company response to consumer: Closed with explanation