BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've never been told clear make or not make a payment coming off covid19 assistance. I was told I'd have to submit for loan modification for my XXXX loan. I have dates who I spoke with. Not once have I been told what I need to do. Now I'm being told to go past due just to get a loan modification which takes 30 days to review causing further passed due account and late charges and credit hits. If I shouldn't have made a payment after being one month behind then someone should've clarified that with me instead they said I needed to. Now I'm a month behind unable to catch up and it's been two months with no correct answer. I can make regular payments but can not make up the month I'm behind example I owe XXXX still but can't make until XX/XX/XXXX keeping me behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached communication from Resurgents Capital aka LVNV Funding dates XX/XX/2020 I then sent them a letter also attached asking for proof that this is my debt. You will see in the attached summary that they responded with there is nothing that proves this account was mine. I have contacted the original creditor on several occasions and they have no debt listed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 an escrow analysis was done on my mortgage account using incorrect information, leading to my payments being {$800.00} more a month. I contacted the company via their messaging portal and phone calls over 20 times to try to get my account fixed. Every time I made contact, I was told a different story to how and why the issue still was not resolved and was given a new date that it would be fixed by and told that they would follow up with me. After getting nowhere with fixing the escrow account, I was told that I could cancel/waive the account and it would take 12 days to process. I followed their instructions to waive the account, waited 12 days and still no resolve or any correspondence after another month. I have made several more calls and the customer service department claims they have no way other than email to communicate with whomever can make the changes to the account. I am told that they will " elevate '' the request and follow up. And again I get no response and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, XXXX, and Equifax ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; TEXAS XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax credit report XXXX credit report XXXX Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Keep trying to get on an income driven repayment plan. They put my loans in forbearance and I can't find where to apply. I've asked multiple times to send me the link. I get a link but then can't find where to apply. It's just a link of f.a.q.s

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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:
I have tried to dispute 6 dismissed bankruptcies that don't belong to me on my credit report with Equifax. Equifax claims that they verified these bankruptcies with the creditor. Equifax is the only credit bureau reporting these bankruptcies. The creditor is the US Bankruptcy Court, who DO NOT verify anything with 3rd party vendors such as Equifax. According to the FCRA, Equifax is supposed to verify accounts directly with the creditors to provide accuracy. However, Equifax says they verify account information through XXXX XXXX, which is a 3rd party vendor not the creditor. Therefore, Equifax is unable to directly verify my correct information because only partial information, such as, social security numbers are available. If Equifax can not accurately verify information from the actual creditor then they must delete these bankruptcies because they are violating my rights under the FCRA. Equifax is reporting inaccurate information that they can not legally verify. Equifax needs to delete these bankruptcies from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive sent dispute letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As your method of validation, each time, I was responded with the same letter that was dated 2 years ago that did not address the dispute at hand. So, after your validation, there are still many things being reported inaccurately and are as follows XXXX is reporting this collection account as an open account. The date opened is reporting inconsistently and incorrect across the 3 bureaus. The reported balance is incorrect across all 3 bureaus, and is reflecting a different amount than the letter you sent me states. The date last active shows XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX  and XX/XX/XXXX by XXXX. Lastly, all bureaus are reflecting a balance for this collection account, which Im sure you are aware are all violations of my rights, per the FCRA. I have the right to 100 % reporting accuracy and you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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 had used a CapitalOne Visa credit card to pay for travel. Due to the Covid-19 restrictions the trip was cancelled and the company refunded the money. On Friday XX/XX/2020 it appeared as a Pending credit in my account. I called to have it sent to me and was told they could not begin the process while it was pending. On Saturday XX/XX/XXXX I spoke with XXXX in Customer Service at CapitalOne who explained to me that their policy was to issue a paper check, they were not able to refund it directly to the checking account from which monthly payment is taken. She started the request for check and said it would be about two weeks. 

Wednesday XX/XX/2020 I checked and there does not appear to be any activity to move the credit balance. I called Customer Service and spoke with XXXX who informed me they were working on the transfer but it would take a minimum of fifteen business days. I asked to speak with a supervisor and was transferred to XXXX. We discussed federal banking regulations limiting the amount of time a financial institution can hold funds and that since this had been an electronic transfer a hold of fifteen days was out of compliance. He explained that was an internal CapitalOne policy and there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Reliant Capital Solutions, LLC
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have attached some of the notes and I am waiting on the illegal documents filed. They stated I moved and didn't advice. The fact is I was homeless because of the Dept of Education and loan servicing companies FAILED me and I had XXXX XXXX. Surviving on the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
this company is reporting to all three credit bureaus ( XXXX XXXX XXXX XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

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 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}

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 non-monetary relief
Consumer complaint received 2021-01-24
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This Complaint is in regards to loan # XXXX with Planet Home Lending. 

The loan was transferred to Planet Home lending for servicing on XX/XX/2020 as none-escrowed loan as represented in the closing disclosure document from the original lender XXXX XXXXXX/XX/XXXX. See attachment 1 - Loan XXXX Closing Disclosure. 

On XX/XX/2020, I paid my property taxes to XXXX XXXX Treasurer Tax Collector as the loan is none-escrowed. See attachment 2- Loan XXXX Property Tax Payment. 

On XX/XX/2020, I received XXXX monthly mortgage statement from Planet Home Lending claiming they paid property taxes on my behalf on XX/XX/2020 and added an escrow advance with negative balance of {$2800.00} to my account even though the account is none escrowed. See attachment 2 - Loan XXXX XXXX statement. 

I confirmed with XXXX XXXX Treasurer Tax Collector that they have never received any payment from the lender on my behalf and the only payment they received is the one I paid online myself. 

Since then, I have called the lender more than 5 times in separate occasions and explained the error multiple times to different customer service reps and emailed them copy of the closing disclosure showing the loan is none-escrowed. However, they are refusing to remove the escrow advance negative balance from my account. In fact, the negative balance still shows on the most recent statement and annual form 1098. See Attachment 4- Loan # XXXX XXXX Statement and 1098 Annual Statement Im currently in the process of refinancing the loan with another lender and afraid that Planet Home Lending provide misleading payoff letter to the new lender showing I have negative balance of {$2800.00} on my escrow account which will be added to the new loan balance. 

Please protect me against this lender fraud that going on for over 2 months with no resolution from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a Wells Fargo Everyday Checking account with an attached bonus offer. The bonus offer promised a {$400.00} bonus after opening an account with an opening deposit of {$25.00} and making direct deposits worth {$4000.00} or more into the account. 

On XX/XX/XXXX, I made a direct deposit of {$500.00}. This should have satisfied the opening deposit requirement and part of the {$4000.00} requirement. 

Also on XX/XX/XXXX, I made another direct deposit of {$3500.00}, which should have completed the {$4000.00} requirement and made me eligible to receive the bonus. 

On XX/XX/XXXX, I still had not received the bonus, so I called Wells Fargo customer support. I was told that my first deposit counted as the opening deposit, and only the second counted toward the {$4000.00} direct deposit requirement. I was told that I had no recourse and missed out on the bonus. 

I feel this technicality was misleading, as this was not specified in the fine print and at no time was I warned or informed that I was in jeopardy of missing the bonus. I feel I satisfied both the opening deposit requirement and the requirement of direct depositing {$4000.00} into my account. 

Because my money was tied up in this account, I was not able to use it to invest in other sectors, effectively taking further potential earnings away from 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 2020-09-12
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
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:
in XX/XX/2020 I noticed that my credit report showed 2 missed payments on my credit report from XXXX, XX/XX/2020. I filed a dispute with XXXX and XXXX in XXXX. I received a letter about a month later saying that the information was accurate. At that time I filed another dispute. I have never missed any payments or paid late. In XXXX I also reached out to CITIZENS SAVINGS AND LOAN XXXX TN and requested them fix the problem. They claimed they never reported that error on my credit. In XXXX, I received another letter from the credit company saying my dispute was closed and reported as accurate. So in XXXX, I filed a complaint with the XXXX XXXX ( XXXX ) I received a letter back from the corporate office saying that that had force placed insurance on my account because they did not receive proof of insurance but that once they received proof of insurance they credit back my account and that was where the problem occured. She said this issue had been corrected and a correction form was sent the creditors. So I went in and looked and indeed it was corrected. But 2 weeks later, by XX/XX/XXXX, It was now showing 3 months missed payments! So I contacted the corporate office directly and she denied any wrong doing and said she would resubmit the correction. A week later, by the second week in XXXX. My credit was fixed again. UNTIL FIRST WEEK OF XXXX. NOW IT IS BACK ON THERE AGAIN!! 3 MISSED PAYMENTS. No one is doing anything to fix this. It has been detrimental to our credit and prevented us from buying a house or ANYTHING! I have been fighting this for four months!

Company response to consumer: Closed with monetary relief