BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: PLANET HOME LENDING, LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2023 I called our loan servicer and asked to speak with someone who could help us with our loan due to my wife and I both having XXXX twice and me with long term effects. I was offered a 90 day forbearance and told no payment would have to be made until XX/XX/2023. I asked if XXXX 's payment included and was assured that XXXX - XXXX payments were covered. On XX/XX/XXXX we received a default notice from Planet Home Lending. I called and was advised that the covid forbearance ended XX/XX/XXXX at sundown. We never were sent anything advising us that Planet Home Lending denied the forbearance on XX/XX/XXXX. We were never late on any payment or have missed any payment until Planet Home Lending guaranteed us a forbearance, and they have refused to accept their responsibility, have threatened us with foreclosure, have been very unprofessional by threatening us and constantly calling my wife at work after they were advised that she can't have personal calls during work. We were denied our lender information and when we asked for copies of our phone recordings since XX/XX/XXXX, we were told we would need a subpoena. We were told that they would pull the phone records and investigate if they did guarantee our forbearance and a manager would be in contact with us. No manager has contacted us. I've had to request a manager only to be put on hold for long periods of time and then be transfered to another collector. We received a notice that Planet Home Lending could start foreclosure proceedings on our home and to contact XXXX XXXX who is now to be our single point of contact however, we receive calls from collectors asking why we are in default and refusing to transfer the call to XXXX XXXX and again start with threats of damaging our credit and loss of our Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit to find that XXXX XXXX XXXX has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.

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 2020-07-08
Company: EQUIFAX, 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:
To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My interest rate is so high ( 14 % ) that I will take way too long to pay down the principle loan. I started making payment Mid way through XXXX. I have not missed one payment and have always been on time making payments of over $ XXXX/mo. While attending school for all of XXXX the school/loan company made it seem as if I didnt have to make a payment until 6 months after graduation so we would have time to find a job. Being XXXX at the time, little did I know the loan was being differed and in this 18 months, 12months of schooling and 6 months looking for a job, the interest was building so much that my loan was almost doubled. 9 years later and its only gone down less than {$4000.00}. That means in that time I have paid this company ( Navient/Sallie Mae ) about {$34000.00} from which they have made almost {$30000.00} off of me just tryin to better my self with a higher educate and be able to start a family and give them a good life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never did business with the company LVNV Funding LLC, both the company and the credit bureau never provided me with notice of this alleged debt being placed on my credit or provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from XXXX to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, XXXX reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of XXXX!!!! I am totally disgusted. The reps are not helpful at all.

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 2020-07-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Best Buy credit card customer service to dispute debt protection plan charges that I never ask for on XX/XX/2020 ( around XXXX ). The customer service agent stated that Citi Bank doesn't offer the protection plan service and I would have to call the 3rd party service that put the protection plan on my Best But credit card. I had the CSR give me the number and I repeated it back, she stated that was correct. I called the 800 number that was given to me and it is no longer in service. My statements online only go back to XXXX in which I have been charged around $ XXXXfor the " Debt Protection '' service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have opened an account with Coinbase more than 3 months ago and deposit a large sum to purchase crypto currency. They locked my acccount for more than 3 months now. I have no access to my account and dont know what is going on with my balance when I called customer service at coinbase they were helpless. They responded by oh sorry but we have our specialist working on the case and we could not tell you how long it would take? I am worry about my money and dont know what they do with it. Please investigate this matter case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: MA
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:
The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. XXXX  is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and Equifax is reporting XX/XX/2015. This is not good for my credit report worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Resurgent Capital Services L.P.
State: FL
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 sent out a letter for this company " LVNV Funding '' injuring my credit with this inaccurate information being on my XXXX  credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A lender was trying to see my credit score on Transunion. The score was not showing up for them so I called them a few times. Starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time I had asked why my score wasn't showing up. They kept telling me that there was no reason why it would not show up. On XX/XX/XXXX called again and was told lender had to call them. Was sent a credit report but no score was shown and it said I had to pay for it. I have a credit score but if ran against XXXX and XXXX it will not show up.

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 2018-10-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.

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 2018-12-18
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.

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 2018-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is the only agency I have this problem with. 

I am unable to unfreeze my credit online. Repeated error message after entering all required information. I am unable to reach a person at the agency to speak with after following all prompts.

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 2023-07-28
Company: TRANSWORLD SYSTEMS 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: Personal information incorrect

Complaint:
XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRUIST FINANCIAL CORPORATION
State: MA
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 disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report REGIONAL ACCEPTANCE is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also REGIONAL ACCEPTANCE is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )

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 2018-12-18
Company: Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Santander Mortgage Services on XX/XX/XXXX to insure that my mortgage which would be paid in full on XX/XX/XXXX would not continue to be auto drafted from my checking account. The normal date of the autodraft is XX/XX/XXXX. Santander is also my bank but they do not communicate with each other. 

I was told that the because the balance would be paid in full there would be no auto draft. 

On XX/XX/XXXX, I called again because I saw a " pending '' auto draft for the mortgage amount showing in my checking account. I was told at this time that the amount would NOT be charged to my account because the balance of my mortgage was paid in full. 

On XX/XX/XXXX, I saw that the autodraft for a fully paid mortgage was still taken out. It is over {$1400.00}. I called again and was told the following : Auto draft is prepared by Mortgage services several days in advance. The mortgage wasn't paid in full until the XXXX, and the only way I would be reimbursed would be a check mailed US MAIL to my address and wouldn't occur for 10 - 14 days. I was also told that the first person I spoke to last week gave me wrong information about auto draft coming out. I asked for the amount to be reimbursed to my checking account immediately. I was told that I had to provide by fax or email a copy of my bank statement showing the amount of the mortgage coming out of my account and they would reimburse me directly to my checking account. I did this BOTH by email and by FAX as well as provided them a copy of the address change submitted earlier. It is now XX/XX/XXXX, and I have yet to be reimbursed my overpayment. 

I gave the company more than 3 business days to stop auto draft. Furthermore, the closing attorney who handled the sale of my house and the subsequent payoff notified them several WEEKS before the autodraft that the loan would be paid off. It is fairly simple to put an alert on a file and not continue to deduct the mortgage. 
It is my opinion that the company does this deliberately because it allows them to continue to earn interest on the amount they withdraw. It is unconscionable that 10 days after identifying the error ( when the autodraft was listed as pending ) I still am not reimbursed. What if this amount had caused me to be over drawn? What if other bills could not be paid? I am lucky that this is not the case for me but I am extremely disappointed at how this company rakes consumers over the coals for the sake of a few dollars.

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