BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Attempting to sell our house in a short sale with Bayview Loan Servicing. The process has been ongoing since XXXX XXXX. We finally got an approval to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was a minor change regarding funds to close. It was submitted back to Bayview. They had stated the investor had to review it and that a rush was put on it. On XXXX/XXXX/XXXX we have still not heard back. I attempted to call and was given a XXXX 's name to call on XXXX/XXXX/XXXX as they were going to reach out to the investor. It appears from my point of view that this company is attempting to delay this closing of the mortgage. The buyers are greatly affected by the lack of urgency or even timeframes that are never provided. This has been a horrible experience. The realtors, title company, and lawyer advised to file this complaint as they have never experienced a situation like this in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Aidvantage and XXXX have reported negative and adverse past due payment histories multiple times on all three of my credit reports. I was told that I was in forbearance, due to being unemployed at the time, and that my account would be in good standing. My credit has been adversely affected by their fraud. I have copies of all three credit reports would really appreciate any help I can get, as I can't buy a house, get a loan, or anything. Thank you in advance for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: FL
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 not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was frustrated in my attempt to get a free credit report. 

Transunion is not offering an unambiguous free credit report. They require a credit card and make you subscribe to a {$19.00} monthy subscription. I submit this makes it " not free '' even if this money is refunded, or if the subscription can be cancelled before charges apply. 

It is a matter of intentional impediment to set it up this way. The consumer has no way of knowing how difficult it will be to avoid charges. Sometimes to cancel subscriptions a wrenching experience with the telephone is required, and there is no way to know if this will be the case here or not. 

They direct you to this link, XXXX XXXX XXXX XXXX XXXX XXXX : center : tu Please help, thank you. 
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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are 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 2020-12-18
Company: Freedom Mortgage Company
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/2020, we conducted a real estate closing and wired a payoff to Freedom Mortgage Corporation in the amount of {$460000.00} to payoff loan number XXXX. A duplicate check was erroneously sent to Freedom Mortgage. Freedom Mortgage on XX/XX/2020 and was tendered for payment on XX/XX/2020 in the amount of {$460000.00}. We notified the escalation team of Freedom Mortgage on XX/XX/2020 of the issue and were assured the check would be returned to our firm. 

Upon being notified of the tendered check we have been in constant communication with representatives of Freedom Mortgage to no avail. Instead, they applied the funds to a different account known as Loan # XXXX On XX/XX/2020 we were transferred to XXXX XXXX at extension XXXX and we were informed that the error of the duplicate payment was resolved and we would receive a wire within 24 hours ( XX/XX/2020 ). The funds were not received and we were unsuccesful in attempting to communicate with Ms. XXXX. 

On XX/XX/2020, I spoke to XXXX ( ID XXXX ), and he was receptive to my explanation and we were assigned a new escalation member to assist us. The escalation team member that we are currently working with is XXXX ( ID XXXX ) at extension XXXX. She informed me that she reviewed the file and asked for 48 hours to review the matter. 

On XX/XX/2020, after not receiving any communication from XXXX, I called Freedom Mortgage and spoke with XXXX ( no ID given ) and she was able to connect me with XXXX. XXXX stated that we should be receiving a wire transfer containing our funds for the full amount of {$460000.00} by the end of the business day. Once again, we did not receive a follow up call from XXXX nor did we receive the wire transfer. 

Today, XX/XX/2020, I contacted Freedom Mortgage again to receive some sort of explanation. I explained the situation to XXXX ( No ID no given ) and she transferred me directly to escalation team member XXXX ( IDXXXX ) who stated she would contact XXXX and have her call us. 

Please note that these funds belong to our firm and are necessary for the operation of our firm. To date, Freedom Mortgage has acknowledged receipt of the funds but has failed to release the funds or provide any explanation as to why the funds have not been returned to us. The monies belong to our firm and are essential to the operation of our Firm 's service to the public. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( O ) XXXX XXXX XXXX ( C ) Attachments contain proof of outgoing wire transfer and tendered check

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MO
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:
Simply enough we are about to close on our construction loan next month ( XX/XX/2020 ). 

Weve been paying off massive amounts of debt in the last three months ; nearly $ XXXX of credit card debt. 

My score is making leaps and bounds as my utilization and balances are going down but yesterday my score dropped FORTY ONE points. 

I subscribe to both Experian and XXXX credit monitoring services both of which claim to help you understand and notify us of any changes and why these changes are taking place. Upon logging into Experian, all it shows is what Im going to attach to this complaint which states my score went down 41 points. 

But nowhere does it state why this occurred. As an agency that is responsible for credit reporting and formulating scores they should have to tell you why such a large decrease occurred. 

In the last two months Ive had one inquiry ran by my bank to extend our construction loan, one new credit card opened and almost $ 5k reduction in balance. One card even extended my credit limit. 

None of these things would cause my score to drop 41 points. In fact, the only incident that would cause a decline would be the hard inquiry by the bank and that wouldnt cause a 41 point decrease. 

Ive reviewed my most up to date report from both Experian and XXXX and none of them have any late payments ( never have had one ever ), no public or derogatory information. None. 

When calling Experian I was transferred eight times. I asked for a supervisor or legal department because this is not correct. I was told there wasnt anyone to talk to. I was also told broadly why scores can drop and which none apply and was given the who cares treatment. This is egregious. 

I intend to sue Experian and XXXX unless specifics of why my score dropped so drastically is provided. This should be illegal. 

Im sick of being screwed by these companies. Its bull! 

Keep in mind that Experian makes billions off consumers who buy suggested products through their site. I believe they have an algorithm that makes people believe the only way to increase their credit profile positively is to take out more credit! Its all a game and I believe Experian is guilty of nefarious behavior.

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 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

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 2021-12-02
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-11-08
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I learned today through a massive drop of 100 points in my credit score that I was being put under collections. This debt was reported on XX/XX/XXXX by Nationwide Recovery Systems for the amount of {$1400.00}. I immediately XXXX the name of the company and contacted them, since I never received a written notification from them before. The first agent ( XXXX ) I spoke with was very rude and said they had attempted to contact me the first time XX/XX/XXXX. To what I replied, it was unfair because they had reported me before attempting to collect. He then switched to a very rude tone of voice saying the collections agency could report me at any point since this debt is three years old. He argued with me using a very sarcastic, condescending tone of voice, and when I asked for his supervisor he put me on hold for a long time, until I got tired of waiting and hung up the phone. 
I called in again and a second agent ( XXXX XXXX said the amount had been placed under dispute and when I asked again about why I was being reported as a debtor without a written attempt to collect, he also turned to being rude arguing that he had 8 years of experience working on collections and he knew very well how things worked. 
The services received by this collections agency were very poor and the agents were very condescending and rude. Also, how come this is lowering my score for 100 points all at once? 

About this debt, it was a medical service received for my daughter on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX. The insurance company was not billed on time by the doctor 's office, when all my information was provided to them. The hospital and other doctors billed respectively for the same service date and I was never notified there was a pending charge over this. I learned about it later, when it was reported to a collections agency and when that agency notified me via mail ( XXXX ), I reached out to them and the insurance company ( XXXX XXXX ) and they sorted this matter out. They said it was on the doctor 's office side for not billing on time. The collections agency closed the case and the doctor 's office agreed it was a liability on their side. Now, the same account was given to the Nationwide Recovery Systems collections agency, from whom no written notification was received and they reported me as a debtor affecting my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Venmo charged me {$0.00} as a transaction fee for a peer-to-peer transaction ( my friend sending me {$20.00} for lunch ) accusing me of being a seller. I do not sell lunch, was my friend paying me back and should have been no fee. Chatted with venmo support but they would not resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a fraud stated in my XXXX XXXX as a result of identity theft. 
I want to see what I can do to resolve this issue and I can't open any bank account as a result of it.

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 2020-06-26
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
DEPTEDNELNET XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This particular company is allowing customers to make their payment with the 15 day grace. And not advising that this is a daily simple interest loan that in cumulates more interests earn. In addition they are not able to make same day payments and always advises that they will post the payment the following business day to allow the company to accrue additional interests. This is unethical and I think that this company needs to be reviewed under CFPB. Any company is able to make a payment and backdated to the original payment date that you called in period I called in at XXXX o'clock central standard time and advise that my payment will not post till Monday due to it being considered the following day being Friday. That is absurd and ridiculous for companies to make additional money off of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern, We have a VA loan with XXXX XXXX services. In XXXX we knew we would have difficulties paying the monthly payment in full. We called XXXX to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XXXX and XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XXXX, XXXX, XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XXXX were included but not XXXX. Therefore, XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XXXX in the process, as we were told, and XXXX would be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XXXX/XXXX payments. However, despite several attempts to reach her, the XXXX XXXX representative has refused to return our calls. 

We firmly stand by the fact we were told to take XXXX and XXXX to not make payments. Had we known we needed to make them, we would have. While they included XXXX they still refuse to amend this to include 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 2019-05-17
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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