BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this memo is to bring attention to auditing errors that occurred just before the loan was paid in full. The account holder, XXXX XXXX, has made several attempts to resolve this matter with Loan Depot. The following auditing errors have occurred : XXXX & XX/XX/2020 MORTGAGE STATEMENTS Mortgage Statements on XXXX, XXXX, and XXXX have amount due balances of {$9700.00} ; {$18000.00} ; {$12.00}, XXXX respectively. Please provide an accurate auditing explanation. 

ESCROW BALANCE Escrow balance on the XXXX statement was {$1500.00}. In XXXX, the escrow balance goes down to {$640.00} with no explanation on the monthly statement. The final escrow disbursement was {$360.00}. Please provide a full escrow balance audit and explain why {$1500.00} was not disbursed to the account holder. 

PAYOFF PAYMENT On XXXX, a payoff statement was generated by Loan Depot for {$700000.00}. On XXXX, a wire transfer in the amount of {$700000.00} was sent to Loan Depot. On XXXX, Loan Depot increased the payoff payment to {$700000.00}. This is a difference of {$5000.00}. Please provide a full payoff audit and explain why {$5000.00} was added to the final payoff payment. 

MILITARY DEFERMENT Pursuant to the California Military Families Financial Relief Act ( Military and Veterans Code Div.4, Ch.3, Sec. 800-813 ), a XXXX who is called to XXXX XXXX XXXX defer mortgage payments ( interest and principal ) up to 180 days annually, if the service time is longer than 180 days. Military orders from XX/XX/XXXX to XXXX ( 204 days ) were provided to Loan Depot. However, Loan Depot only honored 150 days of the 180-day deferment. Please provide an explanation for why the full deferment period was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions 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:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg 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 non-monetary relief
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX and I have an account with Wells Fargo I was using anther company to make wire transfer because it was less expensive This time they asked me to call Wells Fargo to get Advance Access code and when I did they told me that I should receive it by mail during 3 business day I told the agent that I couldnt way for three days so she told me to go to the office bank and do the wire transfer through Wells Fargo I asked to speak with supervisor named XXXX and after explaining the issue it just simply hang out

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 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX, & Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?

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 2018-04-01
Company: Rent Recover, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is stating that I owe a debt. I have lived out my lease turned my keys in on time and wasn't given anything in writing stating that I owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-22
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:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg 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 non-monetary relief
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-01-21
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2015 I applied and was immediately approved for a loan with Oportun/Progreso Financiero in the amount of {$3000.00}. A few months after due to hardships I fell back on payments and due to their high fees I couldnt keep up resulting in default on XX/XX/2015. At that moment Oportun/Progreso Financiero started calling repeatedly friends & relatives disclosing my debt and personal information, during that time I received from them up to 9 calls a day. Soon after I requested not to be called which they honored but they remain calling friends & relatives. 

Throughout the years have tried settling or coming to an agreement with Oportun/Progreso Financiero but unfortunately they have rejected my attempts. They keep increasing exponentially the loan and expect me to pay for an absurd amount completely unrelated to the original loan. 

Recently contacted the XXXX XXXX XXXX in XXXX XXXX for assistance with this account which is affecting my credit score. Unfortunately XXXX  wouldnt take my case due to Oportun/Progreso Financiero being a hard to work with company that follows shady practices. 

The Account was closed & charged off on XX/XX/2015 but they keep increasing the loan amount month after month. As of today the account shows a {$8400.00} balance which is completely inaccurate based on what the loan amount was at the time of charging-off the account. 

**I have submitted letters to the 3 major credit bureaus ( XXXX  , XXXX  , XXXX  ) to dispute the information. 

XXXX  Case number : XXXX XXXX  Case number : XXXX XXXX  Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

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 2021-02-22
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Syncrony bank closed my amazon store credit card without any notice ( no email or phone call ). I even did not know the exact date the account was closed, it was some time after the XXXX statement XXXX XX/XX/2020 ), I tried to make purchase on XXXX and failed, then I logged into my online bank account and found out the account is closed. I make payments on time and shop only XXXX. I contacted the manager by online chat, the manager refused to reactivate my card and my XXXX rewards also disappeared. It seems that they just do not want to give people their rewards if you spend a lot on XXXX and they will just close your account when the rewards money is high. I want my XXXX rewards back. I attached the XXXX statement which shows my rewards 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 explanation
Consumer complaint received 2020-11-03
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: Account information incorrect

Complaint:
My student loans are reporting incorrectly on transunion and on XXXX  credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 I contacted Thunderbird Collections to negotiate a settlement and a delete request from the credit report. I explained in writing to XXXX XXXX that this debt is something I do not feel should be on my credit report as it is showing as an eviction amount. I purchased a mobile home and three months later the mobile home collapsed due to an undisclosed termite infestation. I was then evicted from the mobile park, and was given a bill to have the mobile home removed from the mobile park. I refused to pay the bill, as the cause of the house collapsing was due to the termite infestation. Approximately a year later, I had a debt on my credit report by this property company for an eviction amount. On XX/XX/2020 I offered to pay {$1600.00} to have this permanently removed from my credit report. 

On XX/XX/2020 XXXX from Thunderbird Collections, who I only recognized his voice based on our conversation the previous day, called my cell phone. XXXX did not announce who he was or identify himself at all or that he was calling on behalf of Thunderbird Collections. XXXX proceeded to speak aggressively, stated that he was not going to contact XXXX XXXX XXXX to negotiate the debt, but he threatened to put a judgement and garnish mine and my ex wife 's wages if I did not pay the full amount by the end of today. XXXX hung up the phone after I said that I would be contacting his manager, XXXX XXXX to discuss his inappropriate behavior. 

On XX/XX/2020 just after XXXX hung up on me, he contacted my ex wife 's place of employment and demanded to speak to her. The office staff notified him that she no longer works there, as he was being aggressive and threatening. XXXX did not identify himself and the office staff feared for my ex wife 's safety and did not give out any information or acknowledge that she works there.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 attempted to temporarily lift my credit freeze with Experian today. 

I attempted without my PIN first and it denied me. I attempted with a PIN they denied me again. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

I tried calling Experian to unlock it. I went through the IVR, re-entered my PIN. The system denied me again and told me I have to mail in documents which will take several days to do. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

They have no option to speak with a human being. 

These companies have too much power and are totally unaccountable for the damages they do.

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 2020-11-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My student loans are reporting incorrectly on XXXX  and on experian credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, thankfully I listened to my inner voice who said call TMS and confirm your 3-month COVID-19 extension until XX/XX/XXXX. So, I called, and I spoke to representative XXXX XXXX To my total shock and horror, the 3-month extension I had requested on XX/XX/XXXX @ XXXX had not been completed and processed. XXXX XXXX had to put me back into the forbearance plan for the extended period of three months which I had requested on XX/XX/XXXX and assured me that my loan and credit report would not be negatively impacted. By the way, my assigned Ally is XXXX XXXX but I have only spoken to her once as she is always unavailable. 

Again, to my horror I received a certified letter of default from TMS dated XX/XX/XXXX. I immediately called TMS and spoke to Ally, XXXX XXXX, who stated that due to system error, although the questions and answers were submitted correctly by XXXX XXXX. on XX/XX/XXXX, my request was not completed and TMS  system automatically removed me from forbearance plan thus generating a default letter. 

XXXX XXXX requested a COVID error request to review the late fee that was generated due to this system error and to correct my credit rating if impacted negatively. XXXX XXXX promised to call me on Friday, XX/XX/XXXX to confirm all updates have been made. XXXX XXXX also submitted a request for my extension confirmation letter to be emailed to me as I have not received it as of yet. She also stated confidently that I can disregard the default letter dated XX/XX/XXXX. Unfortunately, I dont feel any such confidence after this petrifying ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: H. Kent Hollins, Attorney at Law, P.A
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, we received a letter related to a notice of unpaid judgement with Account # XXXX. This was the first letter we have received, with little to no information about the reason for the debt. After multiple calls and emails with the debt collection agency, we found out this was related to a bad check written in XXXX, in the amount of {$14.00}. We were not aware there was insufficient funds in the account, and the first time we hear of this debt. We called the agency several times to negotiate paying for anything we owed regarding the principal, we offered to pay a settlement of {$200.00}, they wont respond to our calls or emails. We have escalated several times, and they do not return our calls. They are trying to collect over {$810.00} for a check in the amount of {$14.00}. We can not even get information related the first correspondence or the statute of limitations. They demand we provide them a SSN and other personal information to discuss the case with us. 


They also claim we sent them a money order for {$44.00}, which we do not recall ever sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Specialized Loan Servicing is displaying a Foreclosure remark and balloon payment amount on my XXXX Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX, and XXXX ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my XXXX report. Every time I dispute the inaccuracy on XXXX, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my XXXX report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my XXXX Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my report. Specialized loan servicing and XXXX did nothing. The inaccuracies remain.

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