BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
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 live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Concord Servicing Corporation
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:
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has marked my account down for XXXX points for a new collections account being added. XXXX XXXX XXXX is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think XXXX XXXX XXXX  has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.

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 2020-07-07
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company : Dovenmuehle Mortgage , Inc . 
Applied for COVID forbearance - Granted Paid back entire 3 month forbearance XX/XX/XXXX. 

Faxed request ( per their documentation ) to remove PMI ( Fell to 79.65 % of original value ) Denied on XX/XX/XXXX due to outstanding balance ( of which there was not as of XX/XX/XXXX ) Called and they said : ( XXXX, Supervisor ) PMI scheduled to be removed in XXXX based on ORIGINAL amortization. 
I explained I had paid ahead so ratio was below 80 %. 
Explained law to them that they were required to remove PMI ( See law below ) and they said I had to file an appeal. 
I told them they already had a valid request on file for me and should honor it. 
Bumped me to get a call in a few days to speak with another supervisor ... 
No resolution ... 

Homeowners Protection Act of 1998 : The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the original value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Fay Servicing, LLC
State: TX
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 had a mortgage with Faye servicing that was paid in full in XXXX. I went into preforclosure before but i sold the property and they reported to credit bureaus as forclosed. I fought that online. They then continued to report zero payments made as of XXXX. I called faye servicing and they can not find my account because it was paid in full and closed in XXXX. When faye servicing reported zero payments being made as of XXXX it dropped my credit score 61 points. I immediately contacted both faye and the credit bureaus. To this day i have not recieved the 61 points back and it has not been corrected. I want faye servicing to remove any negative remarks and late payments since the late payments were not really late. My check was sitting on one of there workers desk under paperwork and no one was aware. They are a horrible company and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SLM CORPORATION
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was part of a repayment plan which I was paying XXXX dollars a month for my student loans with XXXX XXXX. Last year XX/XX/XXXX I lost my job so I fell shins on my loans I started working again in XX/XX/XXXX and XXXX I started to catch up and pay XXXX dollars twice a month to catch up on my loans. XX/XX/XXXX I was calling XXXX XXXX to set up 2 payments every month and the last time I spoke to someone was in XXXX and they told me that once I make these next two payments I would be current. After the 2 payments XXXX XXXX called me non stop 6 to 7 times a day when I called bck they told me I was behind on payments after I advised what I was told the last time they called they weee rude and not listening to anything Im saying. I sent letters out to XXXX XXXX advising that My family and I would no longer like any phone communication just mail communication. They continued to call and call and when i spoke to them on the phone they said I can call you as much as I want no respect at all. I started to send out letters trying to negotiate with XXXX XXXX I have a paper trail of that but they continue to call my aunt who is my co-signer but also my cousins and uncles they are really harassing me and my family. Please can you help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Focus Holding Company
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: PROVIDENT FUNDING ASSOCIATES
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:
I made an online payment on my mortgage account with Provident Funding on Friday, XX/XX/2018 at XXXX XXXX.. The payment was made prior to being 30 days late. Provident Funding has posted a 30 day late payment on my credit report with all 3 credit bureaus. Provident Funding is responsible for reporting accurate information to the credit bureaus. I have an email from XXXX showing the receipt of the payment on XX/XX/2018 at XXXX XXXX.. I have tried to have them agree to correct and report the information accurately and they have refused. I have never been late on a payment in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
For a period of over 2 years, Navy Federal Credit Union inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, Navy Federal Credit Union has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent Navy Federal Credit Union a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Account status incorrect

Complaint:
I filed bankruptcy on XXXX. I had a credit card and a line of credit with this credit union they closed credit card account but left line of credit account open so it showed on my credit report late 30 days then 60 days which is late for XXXX and XXXX for the amount of $ XXXX contacted the credit union once I saw inaccurate information and was told that it was accurate but I pulled credit reports And tried to dispute account. Pull new credit report it stated that line of credit account was still open and reporting late payments for XXXX and XXXX which is inaccurate information based on l filed bankruptcy XXXX and that account should have been closed along with the credit card I had with them as well.

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 2020-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2020, nearly all of my credit accounts disappeared from my records on myequifax.com. I have initiated disputes through their website XXXX XXXX, XXXX, and XX/XX/2020 XXXX, filed a XX/XX/XXXX complaint XXXX XX/XX/2020 ), and called their customer service line ( XX/XX/2020 ). Each time I have been told there is nothing wrong with my report and that I can access my credit history via myequifax.com, yet myequifax.com still shows almost none of my credit history. 

When I asked their customer service representative how to contact tech support to address the issues with their website, I was told they are tech support and there is nothing wrong with my account. Solutions offered were to refresh my browser history ( no effect ), and to mail their dispute center my XX/XX/XXXX and XX/XX/XXXX credit reports for comparison. The issue is not my credit history ; the customer service representative said their files show 17 accounts. The issue is I can not access my credit history on myequifax.com, and I have thus far been unable to connect with anyone who has the expertise to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: LENDING COMPANY, INC., THE
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2018 at around XXXX XXXX EST I got a text message saying that I was approved for a loan from a company called XXXX XXXX XXXX from a number of XXXX, the person signed it as XXXX XXXX. I called to obtain the loan and during the process the rep, who sounded like a foreign agent asked me for my online banking user name and password to verify if the funds were deposited. I provided it to him and he repeatedly told that it wouldn't allow him to log in and I verified it multiple times with him. He placed me on a very long hold and when he came back I asked if this was a scam and he said no its not and then hung up on me. I immediately changed the password to my online banking account. Please do something so that this person doesn't scam someone else.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/XXXX to a lower interest rate. Several weeks before closing, as instructed by my new mortgage company, I contacted the old loan company " Specialized Loan Servicing '' and instructed them not to pay my real estate taxes as the new company would be paying them for me during closing. They said they noted my account and this would not be an issue. They still ended up paying my real estate taxes to the county tax collector. This created a duplicate payment of {$1800.00} that was sent to the local tax collector ( XXXX XXXX XXXX. 

I have been following up with Specialized Loan Servicing on this issue since XXXX and been told may different stories. The main story is that they still haven't received the refund check from the local tax collector XXXX XXXX XXXX Tax Collectors Office ). I called on XX/XX/XXXX and spoke with a supervisor at the Tax Collectors office that looked everything up and verified that the refund check was sent and the check has cleared their bank. The supervisor provided me with the following information : Check # XXXX, XXXX {$1800.00}, Cleared on XX/XX/XXXX. 

I have made over 20 calls to Specialized Loan Servicing regarding the funds that belong to me in the amount of {$1800.00} and still have no ETA on when I will receive my money back. The company needs to go back and listed to the multiple " recorded calls '' I have made to their 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 2018-09-24
Company: TCF NATIONAL BANK
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD  had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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 status incorrect

Complaint:
My rental history payments have each been made before the court date. Back in 2019. And they are still showing as not satisfied. The landlord has confirmed all have been satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report and found the Collection Bureau of America reported a collection to my XXXX credit report on behalf of the University Of The XXXXXXXX without properly notifying me at first. I requested validation and received a letter and a statement. They did not give me all of the information as required by federal law. I explained to the University of the XXXX many times that this debt should have been filed as an insurance claim through XXXX XXXX. I had insurance. I contacted XXXX XXXX and they informed me they never received a claim from this organization. I never received any letters as an attempt to collect a debt from the The Collection Bureau of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-02-27
Company: Experian Information Solutions Inc.
State: OH
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:
I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2020 I requested my gym account be closed as gym was closed due to Covid. Gym agreed to cancel my account and continued to bill my account against there word and my revoked authorization causing multiple overdraft fees.

Company response to consumer: Closed with monetary relief