BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/2020 my credit took a drop of 13 points with both Transunion and XXXX with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am XXXXne of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me 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 2022-10-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was issued two checks from my homeowners insurance related to water damage that happened to my home a year ago. I had no problem getting these checks endorsed by my last mortgage holder, but my mortgage was sold to Freedom Mortgage company a couple of months ago. On XX/XX/XXXX I mailed the 2 checks as directed on the phone to their loss drafts department. On XX/XX/XXXX, I received a large packet of paperwork saying that they needed more information before endorsing my checks. They are asking for an adjusters report for the checks. My insurance did not furnish me with an adjusters report because the adjustment was done last year when the majority of the fixes on the home were done. These remaining checks, which totaled about {$10000.00}, are related to Work that has already been done. I did not receive extra documentation from my insurance company. I called and told them this, and they told me that not only would they not endorse my checks, if I didnt get this information from my insurance company in five business days the checks would be sent back to me on endorsed. The man on the phone was rude and unhelpful. Theyre basically holding my checks XXXX and saying they wont endorse them without more information from my insurance company, which my insurance company did not give me. I have emailed my insurance company and called them, but have not heard back. I feel that the mortgage company is unjustly holding my checks XXXX, and Im not going to be able to get my money in a timely matter. Whats worse, this is costing me hours out of my life of unpaid labor, without getting my checks endorse. I did not have to do this with my last mortgage lender. I completed the repairs on my house in XX/XX/XXXX, and they were all done very satisfactorily, with my house now worth more than it was before the water intrusion. The mortgage company is obstructing my ability to get the payments from my insurance company, but holding me up with paperwork that doesnt exist. Despite me sending the paperwork over two weeks ago, they are giving me an arbitrary deadline of getting more paperwork from my insurance company in five business days.They are also wasting my time. I work XXXX hours a week, and I dont have time to spend hours on the phone with my mortgage company or my insurance company over these checks.

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 2018-09-28
Company: EQUIFAX, INC.
State: MD
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 was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My apologies as the dates aren't clear, but when I first began paying my federal student loans, I was never offered any income-based repayment plans. I was informed of these plans by family and friends, not by my lender. Once I discovered these options, and that my criteria fit them, I signed up. Before this time, I used the only options given to me by my lender : Unemployment deferment, Economic Hardship Deferment, Internship Forbearance, etc. 
Each one of these options charged a fee in order to enroll. Each one of these options still charged me interest of some kind, and did not offer the same types of benefits as the income-based repayments. 
My salaries at the time were always provided, including proof of payment, etc. I would have qualified for income-based repayment at any point during these years ( XX/XX/XXXX-XX/XX/XXXX).

*Please note that I graduated in XX/XX/XXXX, and my loans went into repayment in XX/XX/XXXX. I am continually denied any information before XX/XX/XXXX, before my loans were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting bureau reporting inaccurate information on credit report this account was paid to the original creditor paid in

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not 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 2020-09-02
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company called me during the first week of XXXX about a debt that was originally from XXXX University. I contacted The University for more information on the debt on my account. I was told that if you dont pay in a certain amounts of months they will sale the debt to a debt collector. I had no idea I had debt in that amount because it is inaccurate. The amount on the bill is not accurate because I applied for financial aid that semester and everything processed but the school scammed me and emailed me fake Award Letter. I contacted to school to for more information but the school is giving me false accusations so insisted on taking legal actions. Now the debt collector has been calling me & harassing me to pay debt that is not the accurate amount. They called me on XX/XX/XXXX at XXXX then XX/XX/XXXX at XXXX, and also on the today at XXXX. The amount on the debt is XXXX and the arrangement plan was for {$50.00} a month. However I have to make a dispute because the amount is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I tried to redeem my Thank You points online but my account was locked. I tried to call the Service center on XX/XX/2020 during the time they said they are open, but was told on the phone the office is closed. I called again and was put on hold for over 2 hours with no responses ( saying there is a long wait ). I tried to chat with folks at Citi online but they refer me to the same number I called. I then tried to text to XXXX but was routed back to online chat where the agent can only give me a phone number that I was not able to speak to anyone who can unlock my Thank You account. I then tried to call the automated line to redeem my points. But every time I was prompted to say where I want to redeem from, they can't recognize my voice for XXXX 's.

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 2017-09-14
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The school I attended was XXXX XXXX of XXXX XXXX in 2009. the schools tuition was about XXXX. I felt like the program wasnt true to their word because I never got to start a career in my field. I am struggling to pay back a loan for a school that didnt live up to the requirements nor is not even open anymore. XXXX took out 3 loans 2 with navient bka XXXX XXXX and XXXX XXXX XXXX  now now under a new name. The XXXX loan I have paid off but navient keeps taxing on interest that im going to be stuck with forever paying off this loan and I feel like the school was a rip off and I shouldnt be paying on it. Its also hindering me from getting things done as it brings my credit score down terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their " insurance '' that how he explained me my monthly budget for the car payment supposed to be {$500.00} per month, and with their insurance protection will cost additional {$220.00} " subject to change if I decided not to keep their insurance. 

40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days. 

I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened. 

ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {$150.00} in the service center, as per today 's the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that " INSURANCE '' or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {$3000.00} and increased my monthly payment to {$710.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that's how i realized that they lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Sequium Asset Solutions, LLC
State: KY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Commercial Recovery Systems
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Getting repeated harrassing phone calls stating there are two allogations against my social security number for unpaid debt and that they are sending a process server to my home, which never actually happens of course, but the calls are getting annoying.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-17
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: Account status incorrect

Complaint:
I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away

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 2020-05-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received information regarding a streamline refinance with Freedom Mortgage. Everything was approved and closing was scheduled for XX/XX/XXXX. Since I pay my payment bi-weekly and the XXXX payment wouldn't be completed until the XXXX, I was told to wait until XX/XX/XXXX to complete my closing. I was also assured that my automatic payments would be stopped after the XX/XX/XXXX payment. I was never informed that I needed to go in and stop the payments. I asked this on several occasions. Well my loan closed on XX/XX/XXXX and funded to the account on XX/XX/XXXX. I looked at my account and saw that the ACH had not been cancelled out yet and I took the steps to cancel it myself. I received an email that day that it the cancellation had been processed and no further payments would be taken. On Monday XX/XX/XXXX a payment of {$670.00} was withdrawn from my checking account. I called customer service and was told that I needed to submit a copy of my bank statement to initiate a refund. I could not submit a printout from my online banking system, but the actual statement, which does not come out for several weeks. I attempted to contact Customer service through XXXX and was told to send an email for them to review the account. I was contacted this morning by XXXX XXXX who told me that I have to wait 15 days and a refund will be processed. I asked why I have to wait 15 days when they took the money immediately, when they were not supposed to take anything. She was condescending and blamed me for not stopping the payment sooner. She then told me to contact customer service again. She is the most unprofessional one I have ever talked to at Freedom Mortgage and she should not have a place in any customer facing department. I am now waiting on the return of my money which could be anywhere from 15 to who knows how many days. I inquired about who was going to cover my other bills while I am waiting on these funds to be returned, and again I was blamed for the issue. Very unprofessional.

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 2019-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property that I own has an easement on properties south of it. Wells Fargo has a mortgage on my property. The property owner of one of the properties which my property has an easement on notified me and Wells Fargo that he intended to file a suit to have the easement distinguished due to lack of use. I notified Wells Fargo immediately that the easements had no value, did not effect the property value of my property on which they had a mortgage ( as it was not included in the appraisal they did to establish the mortgage because it is not registered on the title ) and to not engage legal counsel because I didn't want a huge legal bill for something I had engaged counsel on and would be able to settle myself at minimal cost. But despite that request ( I am in final negotiations to release the easement subject to payment of my legal bill by the other property owner ), Wells Fargo has handed me a {$4700.00} legal bill for what, I have no idea. They went out and hired a high priced legal firm for no reason and because of some catch all clause in the mortgage document I have to pay it. Now I don't mind paying if they must defend their position from a risk but there is no risk here. There is no value in the easements, it can not extinguish their mortgage and they simply do not care about the cost because they feel they can just pass it on. There is no constraints on the lawyer they hired, he is just running up a bill without management of the cost for no reason.

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 2021-08-10
Company: Cascade Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Cascade Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation