BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX   assigned Bayview Loan Services to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to Bayview. Bayview, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 
- Personally, I have contacted by phone many times Bayview Loan Services in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with Bayview and either the 3 credit  bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I called the company back in XXXX as well as XXXX but due to the pandemic I never got a hold of anyone XXXX I spoke with them as well as left on their voicemail that I was requesting a repayment or forbearance plan due to the COVID when I spoke with the manager ( XXXX XXXX ) finally he told me that cares act didnt apply to me because I was in tx and already late and to submit documents XXXX XXXX was contacted which I have recorded by voicemail multiple times when I called in I found out they were calling g my sons old number that didnt work and that number was never given to them we have had same number since they have had our loan in XXXX I received a letter from their attorney stating they had sent this to foreclosure. Every time I spoke with someone I ask for a work out plan or forbearance and they told me I didnt qualify once being told my loan was with XXXX XXXX but today was told that they didnt have to follow any kind of forbearance since it was in foreclosure already ( submitted after cares act went into place ) multiple phone calls, emails etc I had a hud Councelor call he was hung Ill on first time but because of him I finally got a reinstatement which included {$2500.00} In fees I just want a repayment plan I wanted a forbearance during all of this and now we can make payments but they never worked with us, I sent paperwork in and have proof and they say they didnt get it. I also spoke with XXXX today about the 40 pages On this website stating they are supposed to offer us some type of plan and she said I had to submit a document package but she could not guarantee anything this late and I would need most of the reinstatement because I didnt speak with them and I didnt turn in paperwork I also think it is strange how now theyre owned by an investment firm and it seems better for them to let out home forclose than work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent a letter to dispute items erroneously reported on my credit report. On XX/XX/2019 Equifax replied with an updated credit report stating that everything was verified! On XX/XX/2019 I sent another letter asking for Method of Verification, according to USPS this letter was received by Equifax on XX/XX/2019. According FCRA, CRA has 15 days to reply with Method of Verification. I hadnt received a response as of XX/XX/2019. I proceeded to send a follow up letter on XX/XX/2019 asking for verification once again. On XX/XX/2019 Equifax sent a response which was another copy of a credit report. The Method of Verification was not included. Today is XX/XX/2019 to date I havent received Method of Verification. Equifax continues to report misinformation on my credit report and this is causing a hardship!

Please promptly remove the items erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: AL
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 contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  USA , XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX  Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.

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 2021-08-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my EIDL disaster recovery loan into my bank account that I have used for my XXXX XXXX for more than a decade. My original EIDL loan also came to this account. Now Citibank is freezing the money in my account stating that I can not use my account for this money. I need to access the money that I got from the federal government to continue running my 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 2021-07-07
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent Collection Bureau Hudson Valley a debt validation letter in regards to an XXXX bill that they claim I allegedly owe. On XX/XX/2021 they sent to me by mail a copy of the bill from their client, XXXX XXXX, which under the Fair Debt Collection Practices Act 15 USC 1692g, is not the five ( 5 ) items that Congress says a debt collector must provide to me ( the consumer ). On XX/XX/2021 I sent a request to the credit reporting agencies XXXX  and XXXX  to have this account removed from my consumer report but the credit reporting agencies responded saying that Collection Bureau Hudson Valley certified that the information is accurate so the account will remain on my report. On XX/XX/2021 Collection Bureau Hudson Valley responded to my CFPB complaint and noted that they will request to have this account removed from my report within 30 days. 30 days later on XX/XX/2021, the account is still on my report and they are certify to the credit reporting agencies that this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.

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 2020-06-30
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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 had a closed, chargeoff account with credit acceptance corp. it has been showing a closed status since XXXX. In XXXX of XXXX, it now is open with two recent missed payments showing. This is trying to re-age this account, and that can not happen.I sent the company a letter about this over 60 days ago, but have not heard from them.

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 2021-07-07
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX claims I owe on a Barclay card from XXXX. The only Barclay I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call XXXX I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However Capital One entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to Capital One and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but Capital One does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Thomas George Associates, Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX me and my daughter paid {$4800.00} to Thomas George Associates for a wreck my daughter has back in XX/XX/XXXX.  XXXX with TGA assured me and my daughter that we would have the original paper work within 2ish weeks. I have called this company many times over the last 5 weeks. Each time I have been given many different answers about this. All of the conversations were recorded also. We still do not have our original paper to take to the state of ohio to remove our security suspension that was placed on not only mine but my daughters license. Here it is over 5 weeks since we paid and still nothing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX- XXXX 3. XXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX- XXXX 5.  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XX/XX/XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX/XXXX   2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXXXXX 7.  XXXX XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.

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 2021-06-23
Company: Bankers Auto Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle 2 years ago & financed thru Time Finance in XXXX, Ca. Recently I requested a statement of my account history. After receiving the statement, I learned of additional charges added to my account balance without any knowledge. For the past 2 years additional charges were added to my account balance without my knowledge. Additional charges added for for car insurance in months I had insurance. Also late fees basically every month for the past 2 years, and additional charges that I have no idea what they are & why. Ive been frustrated that I deeply regret buying a car. My car payment is due on the XXXX of every month. I have a 10 day grace period so actually it is late after the XXXX of every month. I pay my car payment every month. I may have been late once or twice bit other then that payment is on the & has been. 
I never received any info in regards to my account. No receipt or any type of information other then car insurance. Since the beginning, I've had issue after issue that I deeply regret buying a car. My experience with XXXX XXXX XXXX has been stressful, anger, regret & so on. I strongly believe Time Finance should be investigated by some type of higher authority due to the so many complaints upon with XXXX & reviews with XXXX & ETC, ETC. On my statement they provided it is so clear to see error. In such a short time with this company, I can say without a doubt this company is so poorly manage that its so obvious that doesn't take much to see. Anyhow, there is so much zi would to add on but for now hopefully this will due for now. If it possible please have this company investigated. Thank you XXXX XXXX. Ps I want everyone to be aware if this company. So no goes thru the experience I've had & still have.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: OK
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2021-02-11
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I opened a claim with my Insurance Carrier - XXXX XXXXXXXX, due to water damage that was the result of negligence of the upstairs condo unit above my property unit. After six months, XXXX XXXXXXXX finally released checks issued to myself and my mortgagee. Damages are in excess of {$100000.00}XXXX XXXX XXXXXXXX issued two checks in the amounts of {$76000.00} and {$2200.00}. I endorsed the checks and sent them to FlagStar Bank, Property Loss Claims. They received those checks on XX/XX/XXXX. 

In order for repairs to begin and continue in a timely manner, while waiting for the funds to be released from FlagStar bank, I paid out of pocket to the contractor XXXX XXXX XXXX. Copies of the initial deposit for work to begin and second payment are attached to this complaint. As well, I paid out of pocket for materials as that was not included in the repairs estimate from XXXX XXXX. Funds out of pocket, TO DATE, total {$31000.00}. In order to continue with repairs another {$19000.00} is due today, XX/XX/XXXX. 

Payment schedules, contractors information, copies of checks, copies of all receipts for materials paid out of pocket have been submitted to FlagStar Property Loss Claims. 

FlagStar intentionally informs me of conflicting information of what documents are either needed or not needed to process my claim. Several representatives informed me of a new policy where I did not have to submit certain forms from their claim packet. Then, without informing me, FlagStar reversed their policy and the forms were now required. When I have contacted FlagStar to resolve this to get funds reimbursed to me, yet another new policy or other requirement is needed in order to pay the funds they are in possession of from XXXX XXXX. 

FlagStar is intentionally withholding money that is due to me to repair my property. FlagStar refuses to send an inspector to my property which is stated on their very own policy. In speaking with supervisor, XXXX, as of this morning, XX/XX/XXXX at XXXX XXXX, FlagStar will neither send an inspector, release funds that are owed to me or proceed with my claim stating there is a hold up with my HOA. My HOA is NOT involved in this matter. 

FlagStar is discriminating against me as a single elderly XXXX female. A complaint will also be filed with HUD in violation of the American Disabilities Act, along with a complaint to The Federal Trade Commission.

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