BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: MARINER FINANCE, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was never sent to collections. Account remained at my home office location until the loan was paid off. I fell behind prior to XX/XX/XXXX. The account was deliquent but remained at the same office. I spoke to the same loan specialist every time I called to make a payment and that was the same loan specialist that set up my loan. In the beginning online. My account was never sold to a third party for collections. 

Mariner Finance is reporting to all three credit bureaus that my account is collection account. 

Prior to XX/XX/XXXX I fell behind in payments. XX/XX/XXXX the branch manager told me that the account was in danger of going to court for collections. I paid the past due amount in XX/XX/XXXX. Mariner Finance incurred {$34.00} in court fees. They said I had to pay it at the end of the loan. But every month they said I was past due {$34.00}. The court case was canceled because I made payment XX/XX/XXXX. I continue to pay the payment on time for the next year. 

It shows on my statement attached that I paid the {$34.00}. At the end of my loan when I paid it off my branch manager said that I was not responsible for the {$34.00}. 

They need to remove that My Mariner Finance account was a collection account. They fail to properly report my credit to the credit bureau. 

You can see on my statement that was mailed to me from the branch manager with a letterhead. It states that I made a payment every month either by phone or by ACH. I didn't receive any collection calls to receive the payment and when I called they never notified me that the call was an attempt to collect the debt. Whenever I called they told me I was in good standing. I was current every month from XX/XX/XXXX until it was paid off XX/XX/XXXX. 

The definition of a collection account is the transferring an account from the original creditor to a third party. This never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a notice from Chime that they were sending a debit card out to me that I had applied for. I have not nor would I apply to have an account with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CA
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:
ORIGINAL LOAN IS THRU XXXX XXXX - XXXX STILL REPORTS NEGATIVE ON MY REPORT- XXXX XXXX THE DEBT TO XXXX XXXX XXXX XXXX ITS BEEN SOLD AND THE DOLLAR AMOUT STILL SHOWS A XXXX- XXXX XXXX XXXX XXXX WANTS TO SETTLE WITH ME AND I THINK XXXX ACCOUNT SHOULD COME OUT OF MY REPORT ASAP FROM EXPERINA AND 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 2018-06-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in autopay for the life of my loans. I am of the understanding that these payments were to cover the amount of interest across 3 loans that totaled {$15000.00}. Upon looking for a payoff amount, I see my balance due is is over {$19000.00}! Having not made any principal payments, and making all my payments on time, I would not expect my payoff to be more than {$15000.00}. Also, when I initiated these loans, my interest was around 9 %. Looking today they are between 10.75 and 12 %. I receive monthly emails that are essentially a reminder that I have accounts with Navient ; I can not recall any additional communication ( short of Navient taking over my loans from Sallie Mae ) that mentioned anything about arbitrarily moving my fixed rate loan interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase was a company I used to buy crypto currencys. They charged my account for crypto I didnt receive so I did a chargeback on my bank account. Ever sense then my account has been locked up and that was back in XXXX or XXXX of 2017. Ive called many many times but they just keep saying my account is being looked at. I have money sitting in my account that I turned into actual dollars not crypto currency. But because of my account being locked up theyre just holding my money illegally for months now. I want it back and they arent doing anything to make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
In XXXX-XXXX of 2018 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a collection account on my TransUnion credit report multiple times any they always say they've verified it. It's not my debt, period. I have never received anything ( phone call or mail ) from the company. They won't respond to my letters. They say my only option is to talk to their attorney.

The problem here is with TransUnion. I filed a complaint against TransUnion last month with the CFPB and that dispute has vanished from my account here. 1 ) I was not notified by TransUnion of the results of the last investigation. 2 ) My complaint against them to the CFPB was removed. 3 ) I specifically have asked every time for them to explain how they are verifying this account because IT DOES NOT  BELONG TO ME and they have refused to answer that question. They just say they verified it.

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 2016-04-06
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a XXXX and XXXX mtg XXXX XXXX for my house in XXXX, XXXX I was working for XXXX and forced to quit during the recession in XX/XX/XXXX. I was over XXXX and been in the company 25 yrs and made twice as much as everyone else. I found work but the wage was significantly less and was in XXXX. We could not sell the house so we rented it out for {$1000.00} pr/month and paid the {$600.00} difference in mtg payment. Over the years we paid over {$23000.00} to supplement the rent payments for the mortgage. We emptied out My {$44000.00} XXXX and my wife 's {$20000.00} XXXX to do this. I approached XXXX several times to ask for assistance with refinancing the mortgages. We kept the mortgage payments current. The XXXX mortgage was only 15 year term and could have been extended. They refused several times as we did not live at the house. After several years I asked if we could turn in the keys " in lieu of ''. I was told that XXXX XXXX XXXX prefers to do that with empty homes. So I waited until the rental agreement had run out and the renters moved. Then in XXXX XXXX XXXX I filled out the XXXX paperwork to turn in the keys or short sale. They kept putting me off saying they needed me to fill out a form a different way or more information. I was a XXXX yr XXXX Bank XXXX. I knew how to fill out paperwork. It was designed to put me off. Then I asked about short sale. They told me to get a good offer first, then make a proposal to them. They then sold the XXXX mtg to Seterus mortgage. I continued to fill out and send paperwork and copies of all my financial information, tax returns, pay stubs, bank statements. 

On approx XXXX XXXX XXXX we received a very good cash offer of $ XXXX on a $ XXXX balance between the XXXX and XXXX that my realtor put through homepath. It has been 9 months since I first tried to do this and 4 months since putting through the short sale offer. Seterus has neither approved nor denied the offer. Just a few weeks ago they asked me for more information and XXXX tax returns. Even though they acknowledge that I have previously sent it to them. I have literally sent over XXXX XXXX pages of financials. As you can tell I am extremely frustrated. This can all be verified through my realtor and homepath.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America - wrongful late fee payment : I scheduled auto payment to my credit card at least 20 days in advance of the due date XX/XX/XXXX of the correct and full amount. This scheduled payment is visible in my " transfer activity ''. The payment due date of this credit card is XX/XX/XXXX. 

I was charged a {$25.00} late payment fee on my card on XX/XX/XXXX. The auto-pay automatically starting pending on XX/XX/XXXX. I did not do anything on my end as it is clearly an error that the payment was made past the XX/XX/XXXX I scheduled by the system. 

I called customer service who was not able to see the transfer activity on their end when I have record on my online banking of this scheduled payment. Customer service said it could be a technical error or that I did not do it correctly. I have done this every month for the past six years and record on my account shows the scheduled correct day for the full amount. Bank of America has an error in their system and wrongfully taking money from accounts.

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 monetary relief
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!

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 2018-06-23
Company: EQUIFAX, INC.
State: AZ
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:
I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They sent me over a contract with my name typed in.. I don't type my name is no where for my signature. Those don't have my hand written signature. Those are False Document. Please show me where the money was depoisted into my account .I need date and time .. 

Plus i need signed document s

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Speedy cash is reporting completely erroneous information. Account was paid off several years ago. Now they are stating I OPENED ANOTHER ACCOUNT IN XXXX OF THIS YEAR WHICH IS COMPLETELY WRONG. I DID NOT OPEN ANYTHING FROM THEM THIS YEAR. 
They are reporting false information. I believe the amount is around XXXX XXXX. As a new account. This is false!!!! Its.with a collection dept. They have called and said someone opened it online at a bank I DO NOT USE. This is all false!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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 don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and 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 2018-05-16
Company: EQUIFAX, INC.
State: MD
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:
Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are 5 Hard Inquiries on my TransUnion credit report file that I did not authorize. I got notification that my personal information was used on the black market and when I obtained a report of my credit file I seen these hard inquiries. 

1. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 2. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 3. ) XXXX XXXX ( Bank ) ( XXXX XXXX ) 4. ) XXXX ( Finance ) ( XXXX XXXX ) 5. ) Trans Union ( Misc. ) ( XX/XX/2017 )

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 2018-05-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.

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 2021-02-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
student loans information misleading on my reports. wrong balance wrong open date.

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 2018-06-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
It appears that Seterus may be using a delay tactic to provide a mortgage loan borrower potential assistance or information she is legally entitled to in a timely manner.

Seterus Correspondence Response Team is sending written correspondence to a Legal Aid 's Executive Director about a mortgage loan he never inquired about. One of the Legal Aid 's staff member represented the borrower on said mortgage loan in the past. The Executive Director was never part of the services provided to said borrower. 

Per the XX/XX/XXXX correspondence, Seterus records indicated that the Legal Aid currently represents mortgage loan borrower and Seterus did not have the authorization to communicate directly with the borrower. They further went on to confirm that the correspondences the Executive Director had received were not sent in error.

The Legal Aid 's staff member that assisted the borrower sent written correspondence to Seterus on XX/XX/XXXX confirming they were no longer representing the borrower. She requested that all future correspondence was addressed to the borrower. On XX/XX/XXXX she sent a second written correspondence to Seterus, which included Seterus internal Third Party Authorization form so their staff could proceed communication with borrower and her daughter who had Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

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