BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion did not properly investigate XXXX account. It show as me be late. I was never late. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my Us Dept of Education account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is close and show on my report duplicate. 

Transunion did not properly investigate my XXXX Account. I never had a XXXX account. 

Transunion did not properly investigate my XXXX account. I never had a XXXX account. 

Transunion did not properly investigate my Chapter XXXX. I never had a Chapter 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 2021-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These Addresses have been disputed, With Equifax but they are continuing to to show this information on my credit XXXX, XX/XX/2021 both time they have provided me with the results as deleted but still is showing address that do not associate with me i demand these address be permanently taken off my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today received a call from an unknown number XXXX and I didn't answer it because of these robo scams that are out there ... they didn't leave a message, so I did a reverse look up on the number and it was Portfolio Debt collection. I have already sent them a cease and desist letter stating that they can no longer call me and that they definitely can't call me at work during work hours, which they just did. I filed a a complain a few years ago on this site and I thought things would stop, they did for a while. Now they keep calling me. The debt they claim to have is no where to be found on my credit report, so this needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America randomly closed my account. Never sent an explanation. While trying to be added to my wifes account months later I was Told it was closed because of fraud. Theyve investigated and seen there were no prove to their allegations but I am Still receiving negative feedback when applying for bank accounts!

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 2023-09-18
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, I received an email from my mortgage company, Mr. Cooper, informing me that they had disbursed a payment from my escrow account to my insurance company ( XXXX XXXX ) for payment of my hazard insurance premium. On XX/XX/2023, I received a letter from my insurance company dated XX/XX/2023, wherein they indicated my insurance policy had lapsed effective XX/XX/2023, due to nonpayment of the premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Paramount GR Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
last year in XXXX a sales person contacted myself and husband about solar panels. after the sales person made no communication with us and she was telling everyone my information and not directly to us. so i called her and advised her of what she was doing is not right after that i let her know not to use my information anymore and told her in di not want the solar panels in my name. well the sales person went ahead and did what she was not supposed to due. so now i have solar panels on my house that i did not sign for and a loan under my name and my husband name. I've contacted the company many times this yr XXXX and all he does is give me the run around. I even contacted the loan company and they can not help so not its on my credit report and it shouldn't be there. I also have all the documents, emails, and text messages showing I have been in contact with them trying to fix this situations. also the documents DO NOT have mine or my husband signature and this is fraud. I need help in making sure this comes off mine and my husband credit report. I have a lot more emails that I can submit if needed too. these documents are what they send me for my application with is not mine or my husband signature. the emails starts from XX/XX/XXXX i just sent you the most recent emails. I also try to contact empire solar today and he ingore my can and send a text that he was in the office today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
This acct was a secured wells fargo card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to 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 2020-05-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: WI
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 have been complaining to Equifax for over a year about errors on my credit file. I submitted a request for verification method dated XX/XX/XXXX mailed to equifax onXX/XX/XXXX was received by equifax on XX/XX/XXXX stamped by XXXX XXXX under certification # XXXX XXXX. The company failed to respond to my request instead sending me a new letter showing my complaints were verified as correct. These items public record XXXX filed XX/XX/XXXX at U. S. Bankruptcy court XXXX, Wi. & Public record XXXX dated XX/XX/XXXX at U. S. Bankruptcy court XXXX wi..To date XX/XX/XXXX I have not received a response to my request. I contacted XXXX & was told they had not supplied any information to Equifax. I also contacted the U. S. Bankruptcy Court see attached, who advised that they had not submitted any data to Equifax and they do not place data on any credit files. Equifax continues to sidetrack my request for information for the Method of Verification in violation of the FCRA guidelines. Accordingly FCRA guidelines required the information be supplied to me within 15 days. Equifax is in clear violation of FCRA rules and guidelines. I am requesting the company immediately be held in violation for failure to follow FCRA guidelines. Equifax should immediately remove any incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband and I have received a number of calls from XXXX XXXX, an Independent Process Server regarding an attempt to deliver civil documents. She gave me the number of a company Alternative Dispute Resolution in XXXX TX ( XXXX ) XXXX File # XXXX. I spoke with a man by the name XXXX XXXX who told me that he was trying to send documents to my husband regarding a debt to XXXX   XXXX XXXX from 2006 resulting from overdrafts. I asked him to send the information certified mail, to which he refused. He said if we did not allow him to serve my husband at work they would move forward with taking legal action to attach wages, tax refunds, and seize assets. He claimed they were not a debt collector. He refused to send the information certified mail and hung up on me. I also believe he should not have shared private information regarding my husband.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Portfolio Recovery Associates, LLC a letter on XX/XX/2018 asking them to VALIDATE this debt they claim I owe them or XXXX XXXX. PRA, LLC only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX  then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX  and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX  saying that PRA, LLC owns the account and that it is not an attempt of XXXX XXXX  trying to collect a debt. I am going to need VALIDATION THAT I OWE PRA, LLC {$260.00} if they can not produce these documents I demand them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Navient Solutions, LLC.
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 checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to work with Ditech/Green Tree since XX/XX/XXXX to request a loan modification. Each time a package was received, Ditech would request additional information via mail, we would provide the requested information, they would say that the originally submitted information was out of date and deny the application based on an incomplete application. 

They have twice filed for foreclosure, both times while a loan modification request was being considered. In XXXX of this year, we had a hearing with a Judge on the foreclosure and based on the information submitted the lender was required to review our documents for eligibility. We received a denial letter, and that denial was based on a bankruptcy that was discharged in XXXX. We were offered no process or opportunity for appeals, even after we requested such from the lender. 

I believe that this lender has not complied with the requirement of RESPA or FHA when it comes to evaluating the property for options for loss mitigation. We experienced a temporary loss of income when this happened, however after it became 90 days delinquent they would not accept additional payments from us, which has created a snowball effect of late payments. 

Any help you can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am reaching out to Consumer Financial Protecttion Bureau regarding an issue with my Escrow Account through Loancare. 

I contacted them by e-mail on XX/XX/XXXX @ XXXX XXXX Below is the e-mail sent to the company : Good afternoon, I am reaching out to LoanCare regarding our Escrow Shortage. 

I received an escrow statement informing myself and my husband that we acquired an escrow shortage. The year prior we did not incur an escrow shortage. That figure should have been in place to ensure that the escrow account acquired proper funding to pay all necessary mortgage fees. The escrow amount was altered the beginning of XXXX which resulted in a shortage of funds. I confided in LoanCare to calculate escrow to cover all expenses to include MPI, city and county taxes, as well as Home Owners Insurance. LoanCare has failed to calculate the escrow accordingly. I feel I should not be penalized for a mistake LoanCare made. 

I refuse to make a payment on the escrow shortage until I receive an explanation as to why there was a deficit on our escrow account. Additionally, the shortage that appeared on the statement was incorrect as well. 

The breakdown of the costs which our escrow account pays are as follows : XXXX Home Owner 's Insurance XXXX City Tax XXXX County Tax XXXX MPI Total : {$3000.00} The total amount of contributions to our escrow account for 12 months is : XXXX ( year XXXX ) {$2800.00} Shortage of escrow ( XXXX ) : {$230.00} The new escrow amount of {$250.00} ( year XXXX ) will result in yet again, another shortage for the upcoming year. 

Please explain what method was used to result in the {$330.00} figure that is referenced to our escrow shortage. 

As of today 's date, I have never received a response. I attempted to contact them by phone, only to receive a message of " If this is normal business hours, we apologize for the inconvenience. '' Shortly after, there was a disconnect. 

I would like to discuss my Escrow account as the Escrow Loancare is stating is due is not the correct amount. 

The year prior, our escrow amount covered all disbursements. However, after lowering the escrow payment, we now are forced to pay a shortage. 

In addition, Loancare disabled our online account due to being in Bankruptcy. With that being said, they allowed us to pay our mortgage online for 4 years of bankruptcy, after than point they realized that we were not allowed to pay our mortgage online since we are in bankruptcy. I find this rather concerning that after 4 years they finally noticed the error. 

I would like a response from Loancare regarding the discrepancy in our Escrow Shortage. 

Thank you for your time. 
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 explanation
Consumer complaint received 2020-06-03
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collections Service keeps calling me and also put on my credit that I owe {$600.00} to XXXX XXXX XXXX for an appointment in XXXX, on the XXXX. I advised them that this is not my debt and its inaccurate and they still placed it on my credit and they keep reaching out to me and everytime I tell the representative that its not mine, they still say I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SCOTTRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a chapter XXXX bankruptcy in XXXX and it was fully discharged XX/XX/XXXX. I reassumed my lease with Toyota and have never missed or been late on a payment throughout the life of the loan. I have been completely iced out of my TFS account since XX/XX/XXXX ( when I filed ) and Im directed to call if I have questions about my account. Around XXXX I realized Toyota stopped reporting to my credit in XXXX so Ive made multiple calls to Toyota. They advised they didnt know my bk discharged so they couldnt report and to send them papers proving it, which I did the same day. Ive called multiple times since then and they still have my TFS account reporting the same way, one of the representatives I spoke with told me to dispute it through the credit bureaus to get the proper reporting. So I took that advice and disputed the reporting with the credit bureaus which has now resolved. Instead of Toyota updating the balance of the loan and reporting my timely payments, they simply reported the loan as paid in full on XX/XX/XXXX. Clearly not the case since Im still paying nearly $ XXXX. 

Furthermore, Toyota financial will not provide me an accounting or statements showing the balance of the debt. So not only will they not appropriately report to the credit bureau but they will not provide me ( the creditor ) any information on the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WAKEFIELD & ASSOCIATES, 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:
WAKEFIELD AND ASSOCIATES FTC VIOLATONS SENT OVER 45 DAYS AGO

Company response to consumer: Closed with explanation