BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
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:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.

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 2018-07-28
Company: Service Finance Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am simply in a transition where I need to get out of debt without filing for personal bankruptcy. I have a game plan that will work, but I need time to deal with my creditors one at a time. Accordingly, I need this company I am filing on to cease and desist all calls to me, that I desire written communications only, and that I will deal with my creditors one at a time through settlements. I need all calls to stop immediately under my rights with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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 status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a homeowner almost 22 years. I have NEVER had an issue with paying my bills or mortgage payments until my loan was sold from XXXX to Mr Cooper. I have never had issues but they said Im behind 3 payments when I am actually ahead 1 month. 
When mortgage was sold I was sent email XX/XX/XXXX This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 

I started receiving late notices and reports to my perfect credit! I sent proofs of payment to XXXX  @ mr Cooper.com XX/XX/XXXX. 


I continued to receive late notices, extra charges, threats to my credit. So I called and was assisted by XXXX XXXX who said I was sending to wrong place so checks had to be forwarded and were past the year mark and no longer being forwarded. I sent him notices of my payments that same day while I was on the phone XX/XX/XXXX. 

I then sent copies of my bank statements. 

I then called my bank WITH him to have him hear the money was taken out days I said. Checks were made to me Cooper. 
Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Per bank corresponding check # s XXXX XXXX XXXX I heard from XXXX XXXX XX/XX/XXXX that XXXX payments found and applied. But 3rd payment still missing. 

I informed him I hope he didnt suggest I pay again, since bank informed him money was taken out of my account, sent to address I was given its out of my hands. 

I have never heard back from Mr XXXX nor anyone else and a payment is still due, no one there has apologized, no one has fixed my credit! I want out of this horrible company! This is their error! Help! 
Im on hold now 48 minutes waiting for Mr XXXX or a manager to give me an update because theyre ignoring my emails! The bank will not cancel and reissue check! Mr Cooper is XXXX me & my credit! 

Now on hold for Mr XXXX or his manager re an official update on this issue, 1 hour!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 an email with the difference amount of a auto loan. But its not the correct amount and all three credit bureaus are reporting different amounts. And they are reporting different statues of the 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 2021-08-09
Company: EQUIFAX, INC.
State: NY
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:
[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I closed on our VA Mortgage with Eagle Home Mortgage on XXXX XXXX, 2017. We have a close agreement to provide pay stubs from my husbands job at XXXX for the week ending XX/XX/XXXX and XX/XX/XXXX. During the loan process prior to closing the first pay stub submitted for evidence was in PDF format because my husband had a paper check that week. The following weeks we sent a screen shot from his computer at work instead of a PDF copy. I asked the loan processor if it was acceptable and she said yes. All pay stubs after were sent as a screen shot from his work computer and sent on time per the agreement. 
My husband is in training in his job. He does not have his own computer. The computer he does use does not have the ability to print, or convert to PDF, or email. After closing, Eagle Home Mortgage has been telling us we are not meeting our agreement by not providing PDF copies. In the signed agreement it does not state the format has to be PDF and I asked several times for them to point me to the regulatory requirement that says the statement has to be printed in PDF.  My husband also suffers from a XXXX XXXX XXXX from XXXX and while Eagle Home Mortgage may think they are providing simple instructions, it does not work that way with his XXXX. Also, if Eagle Home Mortgage required the paystubs in a specific format, that should have been clearly stated in their agreement and not left open for interpretation. When working with people with XXXX XXXX you have to be very specific on the ask or the individual reading it does not understand. I believe they also may be in violation of the Americans with XXXX  Act by not providing an agreement in clear,  usable format for his XXXX. 
Eagle Home Mortgage is going down the process of saying we are not meeting the agreement and will take action to force us to default on our mortgage loan by requiring the balance to be paid for in full immediately. What seems to be happening at Eagle Home Mortgage is my file was selected for a quality control review. The loan processor failed to follow their internal policies with the format of paystubs and rather than taking the hit on not meeting their own requirements, they are penalizing my husband and I for their mistake.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}

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 2020-12-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX transferred money online to my daughter and son-in-law using XXXX option. 
I received a message to call in for verification. I called and spoke to a woman who asked me numerous questions and then she told me the transaction was released. 
My son-in-law received a text and followed the directions entering his card information for deposit. 
The transaction changed to ready for deposit on my end, but the money was not received. 
XXXX I called again and was told the transaction was being reviewed internally and to wait 24 hrs. 
XXXX still no deposit, called in again and was told it was still under review and to wait another 24 hrs. 
XXXX still no deposit, called again and was told still under review and to wait 24- 48 hrs. At this point it had already been over 48 hrs so the gentleman said I had to wait ANOTHER 24-48 hrs XXXX still no deposit, called and was transferred to a supervisor who then told me he released the transaction from being under review and filed a report to resolve the issue with some other department. 
He said I could not cancel as the money has already been sent and it could take up to 4 days before it is received. 
A money transfer that was supposed to be available in minutes will at that point have taken over a week to be received!! 
My receipt says date available was the date I sent, XXXX, but obviously it was not and every time I checked the transaction online it said " Ready for Deposit ''. 
I have spoken to at least 6 different people who could provide no answers!!! ( XXXX, XXXX, XXXX, XXXX ( XXXX ), and others I cant remember ) My daughter and son-in-law needed the funds that day and it was an emergency!! We are forced to have to drive 3 hours to take money to her so you have wasted my time and cost me more money in the end with the fee I paid and the cost of gas and time to take to them!! 
Had I known this was a possibility I would not have used the XXXX service. There was no disclosure at the time that this could happen with an opt-out option. 
The WORST customer service experience I have ever had. It made an already stressful situation even more stressful and upsetting!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: NV
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 seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-04-08
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently sent a letter to National Credit Afjusters making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation