BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: SIMM Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, SIMM Associates did contact me a total of 7 times as debt collecters regarding a debt I allegedly owe. On all of those 7 occasions they did fail to comply with the requirements of Title 15 > Chapter 41 > Subchapter V > 1692g > Section A > Subsections 3 and 4. 

On XX/XX/XXXX, I messaged them stating I wanted them to cease any current or future attempts to collect the debt, report said debt to credit reporting agencies, or contact me regarding said debt. 

On XX/XX/XXXX, SIMMs associates did contact me in a direct reply to my previous message in a further attempt to collect the debt in violation of Title 15 > Chapter 41 > Subchapter V > 1692c > Section c > Subsections 1, 2, and 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Porsche Financial Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Unfortunately this is the second time due to whatever ongoing errors that seem to constantly have been going on with the site portal. From " site maintenance '', to not even allowing me to click on tabs and the page constantly reloading I've been caused to miss a payment. I've called the provided XXXX numbers that do not seem to work, I've gotten busy tones and the call just dropping. I've called the dealership directly and each time i was forwarded I'd get the same busy tone and or told i would be called back and never received one. This is quite disappointing from such a prominent auto company and I'm highly considering ending my lease and a Porsche customer should not have these many problem simply trying to pay a bill and now i have the result of this being 30 days late on my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID I locked down for a while. I told Bayview Loan servicing my mortgage servicer in mid XXXX I was not letting the new back up buyer inspections and appraiser in the house until COVID was over. They were fine with it. Then COVID broke in NJ end of XXXX as Governor lifted many tasks to be able to close including real estate and I scheduled the appraisal and inspection in one day. This was early XXXX. Then we sent the HUD with updated docs and the previous loan package dates changes to Bayview to the attention of my loan Administrator in asset management in charge of my loan for our short sale. Bayview seems to be a middle man for the real investor and they move very slow. 
So to update Bayview and not wait for 3 weeks for the list to come by mail and say we received your documents and are reviewing them, I called my loan Admin and she had a voicemail set up that said we could not schedule a meeting for at least three days and to leave a message that was Monday XX/XX/XXXX and I left the message., Friday today her associate called me to tell me to call XXXX and so I did. So that means in order to speak to my loan admin in asset management I have to wait at least 9 days. 
To add to things we need a loan approval because there is a second lien lender in this process breathing down my throat for updates and an approval from bayview. I am concerned the extreme slowness of bayview that my utilities in this house will be on till end of XXXX and I will be forced to pay for additional lawn work as well which is $ XXXX   monthly plus 1 weeding a month for {$250.00}. 
Unfortunately my credit cant handle the delays and I need this to be over so we can move on with our lives. The short sale by all practical means should close end of XXXX but because Bayview takes so long we are looking at end of XXXX or later and that's more added expense on me, expense I really don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, COMMONWEALTH FINANCIAL appeared on my credit file. I do not owe this debt. I have -- and have always -- had medical insurance. Has this company even attempted to bill my insurance company? What is this debt for? What was the date of service? I want this removed from my credit file immediately. Have they even sent me anything in the mail to validate this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-26
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item FRANKLIN COLLECTION SERVICE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX MS XXXX ) Allege Amount Owed {$270.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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: Information belongs to someone else

Complaint:
These are fraud accounts, I didn't authorize these inquiries

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 2020-08-02
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The original creditor ( XXXX XXXX ) calls and harass me daily for debt which i didn't owe. I explained the ACCOUNT was not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these negative disputes, as I am new to this. They are not coorporating and states that they are willing to work with me and take settlement offers. They then turn around and sold the account to Cavalry SPV I , LLC and now I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an checking account with Bank of the West  XXXX XXXX due to a promotional offer of {$250.00} if I performed DD for three months totalling at least {$1000.00} per month. I opened the account on XX/XX/XXXX. 

After the three months had passed ( end of XX/XX/XXXX ) I received no bonus. On XX/XX/XXXX I contacted the bank and asked them when they would pay out. They said to wait till end of XXXX. End of XXXX came and went and still no bonus. Again I asked them when I would get the offer. This time they said I did not meet the requirements since my account balance was {$0.00} on a specific day XX/XX/XXXX. Note this isn't in the promotional three month period and when I asked if I had met all qualifications no indications were given by any customer service rep that I had to have a nonzero balance on a specific day after the promotional period ended. 

The bank has acted in bad faith and has unfairly taking advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Following up with my previous complaint against Experian Credit Bureau, Experian response was l did not mention specific account or other. Well, Well this is what Experian has been doing to me playing games, using stall tactics and RED TAPES to slow walks my issues, because they are cohort with the banks that reporting inaccurate information on my credit profile. I am absolutely certain that ; l sent numerous copies of my social security card, Driver license, utility bill and bank statement. Well the following accounts does not have correct information especially name and address reporting does not match my name or address ... see below Reason for Dispute : Account Numbers : - Creditors : Incorrect name XXXX XXXX Incorrect name XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX XXXX  Incorrect name XXXX XXXX  Incorrect name XXXX XXXX XXXX XXXX Experian Credit Bureau reporting information that they know to be inaccurate, and failing to report information correctly, they continuously violating the FDCPA and the Fair Credit Reporting Act.

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 2020-06-26
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Care from XXXX  XXXX, Virginia made continuous robot call every other day regarding a call backs and late payments. It was extremely difficult to get contact with real live individual for two reasons : Their time zone is four hours ahead of us and extremely long waiting period up to 2 hours or more before making contact to any live individual. we believe this waiting period is purely ridicules Robot call also always request our last four digit SSN which shouldn't have to be done more than once. 

Payments was always on time, but Loan Care collector stated it was either late or insufficient funds in our account. They continuous to charge us late fees and insufficient fund fees. Evidence shows the funds are always available in our banking account. we also have evidence the payment was on time, but it took them a long time to process the payments. I have evidence that I attempt to make payment three different times on the month of XXXX, XXXX. So far I haven't seen any evidence they have process any one of the payment I sent.

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 2020-06-26
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

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 2019-01-04
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX , OH 4XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
There is a settlement that was reached between Santander Consumer USA and a coalition of 34 state Attorney Generals that gives relief to consumers that were directly impacted by the Defendant 's business practices. I am one of those who were directly impacted in more than one occasion. After multiple attempts to have my loan forgiven and title mailed, which is what I am entitled to under settlement terms, the only response I get is to contacts my Attorney General. I need this matter to be resolved as it is extremely unfair to consumers who trusted Santander Consumer USA in a time of need. 

XXXX XXXX Customer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently applied for forbearance with my mortgage company which is MR COOPER and the options given to me was only 3 months. I was not given the option of my initial request of 6 months as my right under the CARES act. The wording of their guidelines also does make it appear that I have to pay the missed payments in full and not specify that by law my mortgage payments that is under forbearance should be applied at the end of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I a XXXX who is not computer literate. 
I refinanced my home with XXXX XXXX  last XX/XX/2022. A few months ago I received a letter saying My Mortgage has been sold to a Mr. Cooper LLC. The switchover was on XX/XX/2022. Before refinancing with XXXX XXXX, I was with XXXX XXXX for 20 years. 
Both XXXX and XXXX XXXX include your Loan Payoff on the Bill, along with when your next payment is due ( if you prepay in advance ). 
This New Lender, National Mortgage, Mr. Cooper LLC, puts No Information about Your Loan On The Paper Statement. 
So, You do Not know where You Stand With The Loan, mortgage. Ive spoken with several of Mr. Coopers Mortgage Staff, and they tell me to go on line?

1st, I have No Way To Get Online. A friend is helping me write this complaint. 
I would like National Mortgage, Mr. Cooper LLC to put the Mortgage payoff and when the next payment is due on their bills? 
I cant use the Mr. Cooper App, because I have No Way Of Doing So. I dont use email because its clogged with advertisements. So many, that I had to stop using email. 
Can You Please Ask National Mortgage, Mr. Cooper LLC to add the Mortgage Payoff and when the next payment is due like real mortgage companies ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
By not doing so, many XXXX like me could get into trouble By Not Having This Information. 
One Last thing, XXXX XXXX gave me the Mr. Coopers New Mortgage Number. So, I set this number up with my XXXX XXXX XXXX Account for Payment. When I finally got the Mr. Coopers New Loan Paperwork, Mr. Cooper added a XXXX in front of the loan number that was given to me by XXXX XXXX as the New Mortgage. 
Ive already made a payment to the mortgage number without the leading XXXX. 
Is this a problem? Is Mr. Cooper doing this so they can say they never got the payment. 
How can a Company change the Loan Number on You? Is this to to make XXXX XXXX make late payments on a loan paid on time? 
How come Mr. Cooper didnt give XXXX XXXX the correct New Loan Number? 
Now, I have to go to XXXX XXXX XXXX  and have them change the loan number because Mr. Cooper added a XXXX ahead of the loan number. Making it different than the number given to me by XXXX XXXX? 
Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Altisource Portfolio Solutions, S.à r.l.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Delete this collection account and send this account back to XXXX to fix.

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 2020-11-18
Company: Experian Information Solutions Inc.
State: AL
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:
US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL 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 2019-01-04
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.

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