BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, XXXX, Transunion for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, XXXX, TranSunion to correct their reporting of me - again, not late, but in a modification program.

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 2018-07-19
Company: Lending Club Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage is owned by BECU- Boeing Employee Credit Union . The loan processor is XXXX. 

For the past two years, I've had a nightmare every annual when it comes to insurance and escrow. I purchase my own insurance. My insurance company send in the policy and I also uploaded to their web portal XXXX, but it seems to fall through deaf ears and I am being bullied. 

Escrow : Account 1 : XXXX Account 2 : XXXX ( condo ) The mortgage processor raise my monthly payment without proper notice or allowing me a chance to pay the difference. They citing tax payment goes up. I have been asking for an opportunity to pay, but they bullied me and told me legal no, XXXX. While on XXXX, I have to go on a website and able to pay the difference, to keep my payment the same.

Insurance : The insurance department for this loan processor isn't reachable by phone. They told me, customer service, that I can't communicate directly with the insurance department, whereas, the insurance department sent mail to the wrong mailing address, resulting in they buying insurance for my condo, which I already have. I've been trying to submit and resubmit multiple times, but no confirmation of whether if they received. I'm beyond frustrated. It causes my monthly payment to go up.

Appraisal to get rid of PMI : The processing company charges {$800.00} for an appraisal that is higher than what market price is, typically $ 300-700. The third party company they hired to hire a local contractor, canceled multiple time, and came out to do an a appraisal, and unable to send in the report. When asked for the appraiser license number and information, the company fail to produce and shared they aren't obligated. I have no way of verifying the stranger that I am opening my doors to let in. 

I even reached out to the BECU customer services about my grievance. As an XXXX XXXX XXXX  veterans. My health has been definitely impacted by the level of stress from this company. I am have begged the bank for a mediator and they called once left a message, and I was unable to reach them. The bank simply shared they do not have any regulatory body over the processing company. Please help. It have taken me 3 months to be able to pull the focus and energy together to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter from Pacific Retrieval LL.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX was issued XX/XX/2021 stating that their is debt owed to the client, XXXX XXXXXXXX from a car that I have sold to a private buyer months ago. For an amount of {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2023-02-14
Company: Experian Information Solutions 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:
I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., permission. 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 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 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 2018-07-30
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX state tax refund was intercepted by alliance one collection agency for traffic tickets. {$1100.00}. Tickets in XXXX & XXXX. The courts had my wages garnished thru my employment which had been paid off XXXX. 
Account # XXXX. XXXX balance liason at XXXX XXXX XXXX. XX/XX/XXXX called alliance one spoke with Supervisor XXXX XXXX about this account. He told me that XX/XX/XXXX it would take 6-8 weeks to return the tax refund amount. Called back XX/XX/XXXX to get an update status with XXXX XXXX he stated {$580.00} went to another account. I asked him why did he like. And did asked he verify that account was mine. And where are my receipts. Where is the other amount of my tax refund go {$540.00}. He hung up on me. I left the manager XXXX XXXX a voicemail about this issue. Never heard back. XXXX Address to corporate XXXX XXXX XXXX XXXX, wash. XXXX my name is XXXX XXXX . XXXX XXXX XXXX XXXX CA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I advised US bank that fraud occurred on my account on XX/XX/21. They have yet to provide credit or resolution. I have spoken with them multiple agents. Have been provided incorrect information several times as it relates to the timeframe that credit or resolution would be completed. They charged fees for the transactions which had a negative impact on me. The withholding of funds has also had a detrimental effect on my self and family.

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 2021-02-02
Company: Professional Debt Mediation, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an attempt to collect a debt that does not belong to me from Professional Debt Mediation Inc I have been sending multiple disputes about this debt being on my reports to XXXX and XXXX since XX/XX/XXXX. Constantly sending letters and no response from anyone. 

Today I got a notice dated XX/XX/XXXX from Professional Debt Mediation with a copy of a Move out settlement report with an address in XXXX XXXX, FL in which I have never resided and have been living in XXXX, ID since Mid XXXX so I don't see how I can have a lease agreement in Florida. 

The information that was sent does not even have a my signature or signed of my name. 

Would like to know how this debt was verified and if my full social and date of birth was given or any copies of my identification was provided. 

This is a completely false debt. Addressed it many times and not after 5 months and putting in a complaint is when they actually start the investigation. 

Also I do not even see XXXX XXXX XXXX XXXX in the state of Idaho.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a 2nd mortgage with SLS, Specialized Loan Servicing. They happily granted a Forbearance to me last XXXX. Despite my numerous attempts they are unwilling to help me avoid foreclosure. I am able to resume payments and I am not asking for any financial forgiveness. I only ask that my paused payments be deferred to the end of my loan or even a Balloon Payment at the end. I continually get misinformation and different information each time I call and have been told they are working from home so no supervisor is available to speak with me. Just today ( XX/XX/XXXX ) I received two seperate letters from them. One states I am granted 9 more months of Forbearance. Great except the End Date is XX/XX/XXXX. The other letter is titled Default Notice and Notice of Intent to Foreclose. This one is dated XX/XX/XXXX and gives me 33 days from " the date of this letter to cure the default. '' It arrived in the mail today. 
I was told I can not be approved for a Modification due to help I received on XXXX, which was unsolicited by the way. Despite that I was mailed a Modification application with a long list of required documents. I do not want a Modification or any forgiveness. I just want a deferment or the Balloon Payment. They were very positive and assured me they would work with me to find a repayment plan when I first called to request Forbearance and now I am just getting the runaround. I had no idea at the time that non Federally backed loans would not be protected under the CARES ACT and SLS certainly made no mention of it. 
I am so upset and can not think of anything other than possibly losing my home of 25 years. Every day I watch the news hoping President Biden will announce that non Federally backed mortgages will be given the same protections under the CARES ACT as the Federally backed loans. 
Please, can you help 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 2022-08-05
Company: Quad Corporation, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had medical bills for my husband get sent to quad corp. I started making monthly payments in XXXX XXXX XXXX  I missed one payment in XXXX because my husband had XXXX and I was putting in extra hours to keep our restaurant open. I continued to make monthly payments again in XXXX and even increased my payments and have continued to make monthly payments. Imagine my surprise when the Sheriff showed up at my house this morning to serve me judgement papers for this bill. When I called in to speak with them they told me because I didn't have a " payment arrangement '' ... even though I was making monthly payments ... that they want the payment in full or I will have a judgement on my record. 

I was told my payments weren't enough. Then I explained how we have two XXXX XXXX XXXX in our household. Our supplies cost us {$700.00} per month... so we can live. I was making payments I could afford while also making payments on all our other medical bills. I have record of every single medical bill I pay because we pay so much that we can use the bills to lower our taxable income. 

This is the absolute worst company I have EVER had to deal with while making payments on a bill!! WORST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I own property located at XXXX XXXX XXXX. XXXX, CA XXXX that I had lost in the Camp Fire XX/XX/XXXX. On the XXXX of XX/XX/XXXX I endorsed a check from the insurance company and sent it in to Seterus XXXX company for the amount of {$210000.00} to pay off the property and a letter requesting them to pay off the loan number XXXX for Seterus XXXX. The payoff of the loan was $ XXXX also requested that they send the overage of {$57000.00} back to me which they did do on XXXX XXXX. 

I started getting junk mail I thought from another mortgage company. When I did read one of the letters I discovered that Seterus had sold the mortgage I had just paid off to Mr. Cooper and they claim that I have a loan number of XXXX but I don't have a loan through them as I had already paid off the loan with Seterus before they sold it to Mr. Cooper. I have been told that I owe back payments on the mortgage. I have also been told that they have the money to pay off the mortgage in an account but are refusing to acknowledge that I have paid the account off. At this point Mr. Cooper says that I owe them approximately {$40000.00} in back payments for a loan I already paid off. 

I do not owe this money and repeated attempts to clear this up or even get anyone to talk to me from Mr. Cooper XXXX so I can figure it out have only resulted in demands for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NC
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 Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Following advice that it is now possible to put a freeze on my credit report with all credit reporting companies, I tried to do this with Experian on XX/XX/2018, but although I gave them all the information they needed and checked it for completeness and accuracy, they are putting me through hoops by refusing to comply and requesting that I send them any amount of additional information through the mail. I thought putting a freeze on credit reports was now supposed to be easy.

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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is 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 non-monetary relief