BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Planet Home lending will not allow me to pay online because we were granted forebearance and they blocked this feature. We would like to keep current as we receive some rents, however after an hour on the phone with Planet Home Lending, we can not make a payment. WHY ARE PAYMENTS BEING BLOCKED ONLINE? 

Also, they refuse to authorize me, despite my husband sending in the signed authorization 3 times. We have proof of this. Now they say the signature doesnt match, they never advised us if this over the last 6 months we have been sending the authorization in, despite having my husband on the phone today telling them it is his signature. He is working and now has to deal with this because of their mismanagement. Why didnt they let him know his authorization form was denied? No communication. Terrible company, terrible servicing, very incompetent. 

The forebearance department transferred me to the payment department, and the payment department said they can not take the payment and want to transfer me back to the forebearance department. 
IT HAD BEEN 60 MINUTES MOSTLY ON HOLD AND I STILL CANT MAKE A PAYMENT. 
Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AES/PHEAA
State: LA
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 been trying to get an accurate count of my payments toward the PSLF and the TEPSLF eligibility for my DIRECT SUB CONSOLIDATION LOAN and DIRECT UNSUB CONSOLIDATION LN disbursed on XX/XX/XXXX. FedLoan servicing has changed my number of payments eligible for TEPSLF from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. They have listed 55 payments between XX/XX/XXXX and XX/XX/XXXX as ineligible due not having been received within 15 days of the due date. This is incorrect. I have been trying to get this fixed since XX/XX/XXXX but have not been able to resolve it with FedLoan servicing. Every time I call they say it's under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Old information reappears or never goes away

Complaint:
After several online disputes with XXXX XXXX XXXX for validation of debt pursuant to 15 USC 1692g, and removal of outdated information pursuant to 15 U.S. Code 1681c, XXXX XXXX XXXX continues to report outdated, unverified information to Equifax. from 2014. See attached. Additionally, there is no verification or validation whatsoever that this account was included in a bankruptcy for which I have an additional complaint pending with the CFBP. 

I want XXXX XXXX XXXX to immediately and permanently delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to less hours in one my part time jobs i fell behind on payments

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 2018-02-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation

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 2019-11-14
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I purchased a 2012 XXXX sentra that was finance by JPMCB Auto Finance. I traded the car in in XXXX of XXXX up until the point when I traded the car in I made every payment on time. Apparently when I traded the car in the dealership in which I traded the car took an unusually long time to send in the payoff which resulted in JPMCB reporting that the payoff was 30-days late. This is not my late payment and therefore should not have been reported onto my credit. I had advised them the day I traded the car in that I had done so. They were well aware that that car had been traded in at the time of late payoff. They could have reached out to the dealership to inquire about the payoff or they could have easily moved a payment to the end of the loan to prevent a 30 late pay status, none of which they attempted to do. I have tried for several years to resolve this matter with the company and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Credit Karma, LLC
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 information incorrect

Complaint:
I have an erroneous collection reported to credit karma by XXXX. The collection is not on my credit file but credit karma will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with credit karma telling me they woyld correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I wanted to refinance our mortgage and we contacted PennyMac to begin the process. We received our lower interest rate and understood that we will have a XXXX cash to close and about {$700.00} off of our monthly mortgage payment. Then, for some reason, the day before we were scheduled to close, we received a call saying that they changed the numbers of our closing to make it a {$800.00} cash to close and our monthly mortgage payment went up about {$100.00}. Then we had to start over again with setting up all of the numbers for our refinance and we got another statement saying that we will have a second attempt to close with a XXXX cash to close. Then, for a second time, the morning of the closing, I received a call from PennyMac saying that they changed the numbers again and we would have an {$800.00} cash to close and our monthly mortgage payment went up again. I would like to know why our original refinance had our new monthly mortgage payment around {$1200.00} a month and we ended up paying {$1400.00} a month after having the numbers changed twice within 2 weeks so we didn't get the original {$1200.00} a month payment that we were told.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Sessoms & Rogers, P.A.
State: NC
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 been trying to contact XXXX  XXXX XXXX about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to sessoms and rogers. I called sessoms and rogers and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against sessoms and rogers and XXXX  XXXX XXXX to the cfpb and XXXX. XXXX  XXXX XXXX on two occasions did not want to comply with the XXXX. on the last occasion, they rejected the complaint from the XXXX. sessoms and rogers never even replied to the XXXX  complaint i had against them. XXXX  XXXX XXXX also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at XXXX  XXXX XXXX will talk to me. I am a XXXX veteran and I must report XXXX  XXXX XXXX and sessoms and rogers to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: NJ
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:
IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}

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 explanation
Consumer complaint received 2019-11-14
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 requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX and XXXX  agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX  and XXXX  credit reports but, TransUnion continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.

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 2018-02-10
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/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 2016-04-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions 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:
Complaint submitted on XX/XX/XXXX to XXXX, XXXX, and Experian. The have not deleted any incorrect information. The things reported in XXXX are still on the credit report this is XXXX XXXX. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.

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 2018-02-10
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello! 
Please I need support for the below issue : My name is XXXX XXXX I bought a house on XX/XX/XXXX, ( closing date ) now Freedom Mortgage send me bill to let me know, that I need to pay the taxes for the entire year of XX/XX/XXXX {$3700.00}, on XX/XX/XXXX I contacted my closing attorney by e-mail ( XXXX ) XXXX and XXXX XXXX, the builder XXXX XXXX builder ( XXXX ) and the attorney office said that they make a mistake on the closing tax calculation, that they contact the builder and he agree to pay portion of the due. Im 2 month behind in my mortgage for a financial issue and now they going to Increase my mortgage because the mistake that the attorney did, Im affray that I can loose my house. I have this house at the end of XX/XX/XXXX ( not the entire year ). What can I do? I do not want to loose my house, will be too much for me the new monthly payment. XX/XX/XXXX I went to the XXXX county tax commissioner and they told me its nothing they can do, I dont know who can help me with this matter. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX Please check the e-mail answer for all of the people involved in this issue : On XX/XX/XXXX XXXX XXXX EST, XXXX XXXX <XXXX> wrote : > >XXXX, > >The property tax bill and with that the invoice from Freedom Mortgage >is correct. The closing attorney didn't collect enough money at >closing. 
> >The attorney paid Property Tax bill using Un-Improved amount ( before >the house was built ). 
> >The Estimated Property Taxes were Estimated to be {$2700.00} a year- the >attorney collected {$300.00} from XX/XX/XXXX to XX/XX/XXXX. This is reason your >escrow is short. In the meantime the attorney has contacted the seller. 
>The seller agreed to send you a check for the amount he should have >paid. You will receive a check in the mail, but not for the whole >amount just for the portion that was originally owed by the seller. 
> >This is what the attorney said : > >XXXX, > >The Seller has requested a check from their accounting department in >the amount of {$1200.00} ( the difference between the {$300.00} tax credit >XXXX received at closing and the credit he should have received > {$1500.00} ). The check will be made payable to XXXX and he should >receive the check within 10 days or so. 
>

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 2018-02-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and needs to me resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, 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 have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is trying to charge me {$1100.00} for equipment that has been sent back on XX/XX/2021. The tracking number is XXXX through XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2020, I sent a letter to XXXX XXXX regarding two inquiries on Transunion under their named. They reply that the inquiry will be removed as a hard inquiry to a soft inquiry. And the request was submitted to the credit agencies on XX/XX/2020, and per the letter sent on XX/XX/2020 ; it could take up to 60 days for processing. On XX/XX/2020, I sent the letter to Transunion requesting to remove those inquiries ASAP. However, they didn't reply back. Kindly see letter of XXXX XXXX attached.

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