BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
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:
Im a XXXX veteran who informed XXXX XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least XXXX occasions. And, on at least XXXX times provided proof from XXXX XXXX XXXX that I was not delinquent or past due to XXXX XXXX XXXX XXXX XXXX Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX Mortgage. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, XXXX XXXX Mortgage XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX Mortgage to XXXX during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX Mortgage. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to XXXX XXXX XXXX research department twice as requested. XXXX XXXX XXXX Mortgage asked me to have XXXX XXXX XXXX e-mail XXXX XXXX department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXXXXXX XXXX directly e-mailed XXXX XXXX XXXXXXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. XXXX continues to report to the credit bureaus that Im XXXX days past due, not more than XXXX months past due, and delinquent since XX/XX/XXXX. Moreover, XXXX will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, 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 non-monetary relief
Consumer complaint received 2019-05-08
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my account was for XXXX where my normal payment is XXXX. I didn't remember seeing this change in a statement for my XXXX payment and since it is on auto-draft. However on my statement for XXXX due be due XX/XX/XXXX it shows the same amount to be drafted with {$650.00} due for principle and interest. My contract for this loan says that my principle and interest payment is to be {$620.00} according to a loan modification completed in XXXX of XXXX. This is a difference of almost {$33.00}. I spoke with the company on XX/XX/XXXX about this issue and they were going to be fixing it and applying the difference to principle. However during the conversation with two different employees the both mentioned my loan being an ARM which this loan is not supposed to be an ARM but a 25 year fixed rate VA mortgage. 

My statement also says that my interest rate is until XXXX of 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 2017-07-15
Company: SYNCHRONY FINANCIAL
State: LA
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:
Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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 2022-02-08
Company: Automated Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SUNTRUST BANKS, INC.
State: UT
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:
Since around XXXX 2017 I have been communicating with Suntrust Bank and I made them aware of the situation regarding my account. The Suntrust account and the vehicle financed with the Suntrust loan was ordered to be paid my my ex-husband but he failed to finance the car and pay off the account as ordered by the court. Since my account was late several times because of this I decided to contact XXXX to have the vehicle repossessed by the, sot hat they can get their money back. Me and my husband spoke to XXXX repossession department and provided them information about the whereabouts of the car so that they can reposes the vehicle and sell the vehicle, Since our first contact with Suntrust we explain the situation and explained then that we were trying to settle the account. The vehicle finally was repossessed and once again we contacted the repo department to have them auction sell the vehicle ASAP since we did n't not want to incur any more charges. however we were told that we have to wait. we obtained the information of the recovery department and we contact them and we were told that we had to wait to settle the account. Once the account finally was at the recovery department we were able to settle the account, the representative stated that the account was going to be reported as paid in full, we agreed to that and we sent the payment to settle the account, however the account is still being reported as " Charged off '' After all the communications that we had wit Suntrust they failed to acknowledge that we were trying to settle the account with them since my ex-husband failed to do what that was ordered by the court, and up to this date my account still shows as charged off when I was told that it will be reported ad paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Risecredit, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sent dispute to company and never received a response back. Letter was sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JTM Capital Management, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX  XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed.
After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!

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 2022-02-08
Company: Experian Information Solutions Inc.
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:
Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least XXXX agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.

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 2018-01-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I just looked at my billing statement and noticed I had a fee for " debt protection. '' I never signed up for debt protection. I use automatic payments and have done so for years. I decided to look at past statements and was able to access statements going back to X/XX/15 and they all show that I have been charged every month for " debt protection. '' This is not a service I need, want, or authorized. After an internet search I saw that many other people have encountered the same issue and have gotten nowhere with Citibank to remedy the situation. I tried calling the number on the billing statement but could not reach an actual person. The credit card is for BestBuy and was originally issues by XXXX but is now serviced by Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One continues to send credit card applications to my deceased mother ... they claim that they will cease this continuous mailing, but have NOT so far ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Paid off Bank of America Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. '' Please resolve this manner as soon as possible. Thank you

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 2022-02-08
Company: EQUIFAX, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX - account number XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
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 checked my credit score on all three credit bureaus and noticed that there is a XXXX points difference on Equifax credit score. All Credit Agencies have the same accounts. Why is Equifax score XXXX points below the other credit reporting companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Called XX/XX/2020 to discuss account and was continued to add interest during a pandemic. I called to resolve the issue and was advised they will not waive late fees nor interest fees. Per the website, It says I only owe {$360.00} which is past due. They charged me {$370.00} to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: United Debt Counselors, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
when I contacted United Debt Services, they explained to me that the contract is for 24 months, and the first three payments will be for services. After that my payments was XXXX to pay down debts. At the end of the contract an agent called me and said that I dont have enough money to pay my last credit card. So she told me in a nasty tone that I had to make 10 more payments of XXXX if I wanted to pay off my debt. I aceptted these terms. Five months after that I requested the summary of payments. And I told them that XXXX had offered 50 % off. They said they would call me later. And they said that had an offer to pay my credit card. I told them that I wanted to pay off at the moment because I had a hard time to get a job at a financial institution. But when I noticed that i paid over I called United Debt Services and I said I wo n't pay anymore because I considered that I paid already all and more. Now United Debt Services closed my account and sent to me a check for XXXX. My last credit card XXXX was supposed to pay XXXX according to them. Only I needed XXXX to clear the debt.
I appreciate if you can help me they appear to be trying to get more money from me.This is not what I contracted with them. They said that I need to read the contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My main mortgage is with XXXX XXXX on a second residence. Took out a {$100000.00} loan years ago ( at that time with XXXX ) who sold the loan to XXXX, who sold the loan to Loancare or Loancare is company collecting for XXXX. Haven't figured this out yet. 
Loancare reported 6 late payments back in XXXX. Looking through my bank statements found that payments were made on time, not only to Loancare, but XXXX also took out the same amount at the same time- so double payment even if the report NO payments!! During Covid got mitigation from Loancare. Resumed payments in XXXX of XXXX, however every payment was reversed back into my bank account. I could not reach anyone at Loancare nor XXXX on the phone. I wrote letters, see attached. Loancare did send me some check totalling {$910.00} ( no letter of explanation attached ) Last I finally talked to someone at Loancare who said I should pay up over {$9000.00} to make the loan current!! This is a total mess and I am afraid that Loancare is trying to take away my property for non-payment, even though I have been paying all along, I filed a complaint with XXXX  but have not heard or learned of any resolution.

Loancare is now sending my application forms for loss mitigation. I have complied with their request and sent them all the documents they required. Loancare keeps saying that I am missing documents and they are now threatening with foreclosure. Short of hiring an attorney, which I can not afford ( I am an XXXX XXXX XXXX retired woman ) I don't know what to do and am at my wits ' end. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I previously opened an installment loan with Sofi ; that was paid off. Sofi then proceeded to add an investment and checking account to my profile.I did not ask for these accounts. As a result, my tax filings are much more complicated. My accountant is charging me a higher amount of money to complete filings. 

I need Sofi to close these accounts and reimburse me for the extra costs I have incurred for accounts I did NOT authorize to be opened. 

CLOSE my accounts. I am DONE with my business with you and I was DONE when I paid off my loan!

Company response to consumer: Closed with explanation