BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning,We're filing this complaint against Bayview Loan Servicing, in the hopes that the CFPB will intervene and demand that they stop their deceptive business practices immediately.We've been in contact with Bayview since XX/XX/XXXX, regarding our desire to save our home. Unfortunately, they've been less than cooperative with assisting us in resolving our foreclosure matter, as well as, even providing us with updated 0information.Prior to submitting all loan modification documents - which were faxed on XX/XX/XXXX - we were working with an attorney who delayed communications with us, forcing us to disengage.We contacted Bayview on XX/XX/XXXX of XX/XX/XXXXr and we're told that because our documents weren't received within 37 days prior to sale - our sale date is XX/XX/XXXX - our request for a modification was immediately denied and documents weren't uploaded.On XX/XX/XXXX, we spoke with XX/XX/XXXX (XXXX XXXX), who told us that he would escalate the file and send an email to his manager while we were on the phone. He told us that he was requesting that they either waive the 37 day issue (we were two days short of 37 Days on our submission timeline) or recommend that we be reviewed for a Streamline Modification.He asked us to follow up with him on the 12th for an update and we've not spoken to him since. I've left him 2 voice messages XX/XX/XXXX, XX/XX/XXXX and emailed him XX/XX/XXXX. No response.XX/XX/XXXXIt's clear that Bayview is intentionally delaying communication with us, as well as, applying deceptive business practices regarding assisting us.We are determined to keep our home and would very much appreciate your assistance with this matter.Thank you,XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IA
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see attached CEASE AND DESIST. I initially sent in XX/XX/2022. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Upstart Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I received a loan from Upstart. From that time to around the end of XXXX, everything was fine, I was making payments on time. Around the end of XX/XX/XXXX I requested that the due date of my loan be changed to match my last payday which is the end of every month. I was told that that could be done and the representative put me on hold and when she came back, she confirmed with me that my due date was changed. I thanked the representative and went about my day. On XX/XX/XXXX, I was the victim of the Hawaii Wildfires. Even though my address is in XXXX, we also got the brunt of the fires as well. I contacted Upstart several times during this time and advised them of this and advised them that since my income had sufficiently decreased and that I was taking care of a XXXX parent, that I wasn't going to be able to do anything in the form of payments until this XX/XX/XXXX. I did my due diligence in contacting these people and they did not offer to make my account current during this time, nor did they waive any late fees as they stated that they did in their numerous emails to me. All they said was that my account was XXXX past due for the amount of a little over {$700.00} and that I could make partial payments to bring my account current or else the entire promissory note would be due in full and that my account would be charged off. There was no compassion, nothing, only threats and demands for monies that right now, I don't have as I am trying in vain to take care of my mom who is XXXX and get the damage to our home fixed. I need some sort of relief. All of my other credit card companies have been so thoughtful and even waived any payments that were coming due due to the fires. We were all over the national news!! What makes Upstart so special that they can treat people this way, and military people at that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, at XXXX EDT I tried to make a cash deposit for {$4600.00} to my Bank of America account at my Bank of America branch in XXXX NJ, located on XXXX XXXX XXXX. Since the teller was busy, I tried to deposit my money at the ATM machine located within the bank premises, the ATM machine number is XXXX. 
After taking {$4600.00} the ATM displayed a message stating that {$4600.00} was deposited into my account but instead of a receipt for my transaction, I received a paper slip that says, We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I immediately informed the bank employee in person and was told that they could not help me and that I had to contact the electronic claims team. After contacting the electronic claims team, I was informed that they would start investigations after 2 business days and if approved, a credit amount would be sent within 10 business days. I have been told it would take up to 45 business days for the issue to be solved.

This is absurd and unacceptable to me as the {$4600.00} that is now missing was for my college tuition and funds for travelling for XXXX. I have no money right now to pay for either my tuition or for travelling back home. 
Plus, the security camera footage at the branch of me making the deposit at the specified time XXXX hours EDT on XX/XX/2021 serves as further proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still, this account is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$43000.00}

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IA
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2019-11-14
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
After submitting my first complaint yesterday XXXX, complaint XXXX, this company Way2Go prepaid debit card changed the fraudulent/unauthorized charges to a different amount. There are 5 consecutive fraudulent/unauthorized charges in the amount of XXXX from a company in XXXX totaling {$160.00}. They would not stop this fraud from happening as I requested when these charges were in pending status. Do a quick search on this company and the parent companies Conduent and XXXX and you will find class action lawsuits in multiple states for this exact issue. I would also like the XXXX dollars back that I was forced to pay to get a new card. I can not access my money until the new card arrives. Its their security breach that caused this not mine. They also need to pay me {$100.00} a day for every single day since they allowed these charges starting on XXXX. 

I did not use this card online, it is in my possession so the only way these fraudulent charges could have happened is either by this company making up charges and stealing the money or allowing their system to be easily hacked. 

Their dispute process does not allow for disputing an unauthorized charge unless a PIN number was used. Their dispute forms do not include disputing unauthorized charges unless your card was stolen. This is why they are getting away with robbing the state and federal governments and in turn robbing citizens. They do this with unemployment, child support, social security, VA benefits and any other state or federal distribution of funds to a citizen. Again, a simple quick XXXX search finds thousands of complaints exactly like mine and class action lawsuits. Along with documented proof that they do little to nothing to keep their system secure. Why no one has connected the dots is astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, On or around XX/XX/XXXX a representative of Discover Card called my mother XXXX and claimed that she opened a Discover card account in XXXX. My mother is XXXX years old and even if she had a Discover card in the past her account was closed more than ten years ago. 

Despite the fact that my mother denied having an open Discover card account, the Discover representative speaking to her via an interpreter conducted the conversation with an attitude of crime investigator and insisted that a card in her name was opened in XXXX and ( as she understood it ) she was a subject to a fraud investigation. 

I find the behavior of the Discover card associates conducting the phone call unacceptable. I am a discover card holder for about 13 years and would really appreciate that you do not talk to my relatives in the manner described above. 

I would also like to inform Discover that I find it unacceptable to disclose any information about my Discover card account to anyone that I have not specifically authorized to disclose the information to. 

After XX/XX/XXXX the online access to my account was restricted and wen I was attempting to log in into my account I was receiving the message that you can see in one of the attachments. 

It is concerning that Discover not only handles their communications in an unprofessional manner, but it also blocks customers accounts selectively based solely on the fact that the customers are not typical customers. 

As of today my account is adversely affected since I can not enjoy the same level of services as other Discover customers have and Discover has not provided me with any reasons, other than the fact that they have not talked to me over the phone, indicating why my account is adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: PA
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:
Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Account status incorrect

Complaint:
I'm filing a complaint against Experian, XXXX, XXXX, XXXX. XXXX XXXX, and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXXXXXX XXXX whenever I switched carriers from XXXX to XXXX XXXX. 

I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX proved that when I opened the account with them, they didn't see any balance owed AND the XXXXXXXX was in good standing. 

Also, when I traded in this XXXXXXXX XXXX to an XXXX XXXX, the XXXX was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's XXXX in good standing, as well as the receipt for my traded XXXXXXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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