BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent

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 2023-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XXXX XXXX, I made a payment of {$430.00} to Toyota Financial Service for my auto loan. XXXX  to me, Toyota Financial changed my post date until XX/XX/XXXX without my permission. I received a call from Toyota Financial ALLEGING that I did not make my XX/XX/XXXX payment. I disputed the false allegations and told representative that I already made payment on or about XX/XX/XXXX. I tried calling Toyota Financial on XX/XX/XXXX, XXXX to correct THEIR mistake and I have been WAITING on the phone for over XXXX XXXX MINUTES and counting! I want Toyota Financial to correct THEIR mistake, not to be charged any lates fees, additional cost or accumulated interest because of THEIR error! I have NEVER requested to have my payments post dated and I have enough funds in my account to cover the transaction then and now.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent

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 2020-10-19
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-19
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I received an alert that a collection hit my XXXX  and XXXX reports from Southwest Credit Systems. I have not received any previous communication at ALL regarding this amount due. I have sent written requests to this collection agency that has not been responded to. Also, they are reporting a balance of {$330.00} to XXXX  and {$190.00} to XXXX. I believe I have given this company enough time to provide information showing how they calculated what they say I owe and to provide copies of paperwork showing I agreed to pay them anything. 

Please remove this from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to freeze/unfreeze/refreeze my experian credit history. I had to complain to their customer service department to get my credit unfrozen on more than one occasion. I use there web based solution, and I can't make any changes to my freeze status as their own copy/pasted information they do not recognize within their web site forms. 

On top of that, they make you think you have to buy their services to unlock your credit and/or lock your credit by bringing you to a purchase page first and putting in extremely small font, their " freeze '' page is at experian.com/freeze. Enter your information into their form, and it doesn't recognize your information, and they then tell you you have to send a printed document to an address that will take several days to process. 

THIS IS INEXCUSABLE in today 's world. I am FORCED to use their service. This company is so poor, I would not do business with them with the sole fact I am forced to use their services because THEY have unrestricted control of my credit information. This is CRIMINAL. All I want to do is change my unfrozen information to frozen and here I am filing a complaint against them as they have frustrated me to no end. They deliberately do this to try to force one to buy their worthless products.

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 2020-10-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been in COVID forbearance since XX/XX/2020 and everything was fine. We called United Wholesale Mortgage to find out about extending our forbearance in late XX/XX/2020. They explained options at the time and we were supposed to call back in XX/XX/2020. Then, I received delinquency notice in the mail and called in XX/XX/2020 to find out why. I was told they removed us from forbearance accidentally due to error in coding. Since XX/XX/2020 I made over 20 calls to UWM to have them rectify the issue. On XX/XX/XXXX, a payment automatically drafted from our checking and we need this to be reversed ASAP as it the last few XXXX dollars we have for food and medical supplies. I made multiple requests for a supervisor callback, and to this date XX/XX/2020 I have not received any calls nor voicemail nor missed calls. Each customer service rep gives me different information and all they can do is send a request for a callback. This is unacceptable and we request immediate attention from UWM to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: FL
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:
Been trying to resolve this problems first with the creditor and also with equifax. 

INQUIRIES : 1 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 2 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXXXXX 3 XXXX XXXX XXXX XXXX # XXXXXXXX 4 XXXX XXXX XXXX XXXX  # XXXXXXXX 5 XXXX/XXXX XXXX/XXXX # XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-02-03
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 status incorrect

Complaint:
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX  written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of 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 explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and payed of the loan on XX/XX/XXXX, Loancare customer serviced showed a XXXX  balance on that date. On XX/XX/XXXX they took out a payment of XXXX. I called that day asking why and when do get my money back, they said it would take 10 to 15 business day to get it all back. I call on XX/XX/XXXX and they told me the escrow check was mailed on XX/XX/XXXX but not any overpayment. The said they are checking on it and would contact me. I call a few minutes later and they told me an account was set up and it would take 24 to 48 hours to process and I ask for an overnight check because of their error which XXXX admitted they made but she would not promise me it would happen that way. This totally unacceptable. They took this money on a closed account. They should not be able to do this anytime especially during this stressful time. Im complaining not only for myself but all Veterans.

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 2020-10-19
Company: FISERV INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/2020 XXXX administrator of Firstdata credit card processing services decided to unilaterally stop depositing funds that were due to my business as a result of goods sold at XXXX XXXX. First data ( XXXX ), said the reason they decided to withhold funds, is that one ACH did not process from my XXXX business back in XX/XX/2020. Firstdata ( XXXX ), made no attempt to notify me of a the problem in the ACH withdrawal in which they claim, they sent no bills, no emails or any communication regarding this error. As a result, the business XXXX XXXX has been wrongfully and unjustly withheld it's funds of nearly $ XXXX over the course of the last 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: IL
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 received an alert from Equifax that my report indicated that I was 30 days past due on my account from XXXX XXXX. I immediately contacted XXXX XXXX and explained that my payment from XXXX was missed and not posted to my account and was showing 30 day delinquent. I have NEVER been late and have always paid on time. I spoke with XXXX a representative from XXXX XXXX and she was able to research my account and corrected the error by immediately reversing the late payment charged. When asked about the removal from Equifax, she advised that I had to contact Equifax to remove the incorrect late payment. I am writing to dispute this with Equifax and have the incorrect late payment removed. Equifax is non-responsive in correcting this error. I am asking for immediate action to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: AR
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:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiris were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, 2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three credit bureaus have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.

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