BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company did not pay my property taxes on time. I closed on a new construction house XXXX of XXXX. My builder built XXXX identical houses on a larger lot. As we did not close on the property until the middle of the tax year, my lot was not formally split off from the original lot by the tax assessors office until XXXX tax year. This was not caught by the mortgage company during the closing process. As a result I had to continue to pay into my escrow account all year despite the mortgage company refusing to pay my first year of taxes. I then had to personally reimburse my neighbors for our shared property taxes for the original lot. In XXXX of XXXX I received documentation from the tax assessor that the lots were split for the upcoming tax year. I sent a copy of that letter by both physical mail and email so that the mortgage company had the updated information. When it came time for the school tax bill to be paid by XX/XX/XXXX, I was still receiving notices from my bank that my property had not been split from the lot. I messaged them on XX/XX/XXXX through their secure message center with the updated bill amount. When I hadn't received any response by XX/XX/XXXX, I called them directly to check the status. I was told the bill had been received and that a work order was opened to request payment of the bill. I finally received a reply through the secure message center on XX/XX/XXXX stating the property was still listed as To Be XXXX and that a bill had not been received, which was in contrast to what I was told on my last phone call. On XX/XX/XXXX, I received a notice from my city 's tax authority that my tax bill was unpaid. I mailed a physical copy of the updated bill and emailed to the customer service address given to my by my mortgage company. After another week went by, I called the company again and all that they could tell me was that there was still an open work order to request payment of my bill. They could not verify the receipt of either copy of the bill I sent through physical mail or email. They assured me that the bill " would be paid '' but could not give me any timeline on if it'd be paid in time to avoid any further penalty. I'm frustrated because I've been in communication multiple times about these tax issues over the year and a half that I've had my house. Every person I talk to seems to have no record of my previous conversations and there documentation on their side is severely lacking. I'm concerned that there is no safe way to send in documents to the company without risking them being lost in the process. They have not proved to me that they are adequately equipped to handle the finances involved with my property and I'm concerned about my finances and credit being impacted by their inability to communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I used my VA loan to purchase a house in XXXX and was using Freedom Mortgage. I decided to move to XXXX and found a realtor who wanted to assume my loan. After notifying XXXX of my intent to move to XXXX in XXXX and sending Freedom Mortgage the required form with the 3rd party information, I was told that they had him as the person to assume my loan and would send the required documents for us to fill out and then he would have the house and I would be released. We started this process in XXXX of this year and after NUMEROUS phone calls from myself and the realtor to get the required paperwork for the assumption - they never sent the documents. They kept telling me they did but they did not. I made SEVERAL calls to the supervisor as did the realtor and we both complained that our calls were never returned. Now I am in XXXX  and am living in a hotel paid for by XXXX XXXX XXXX but will be XXXX as of this friday ( two days from now ) because the XXXX says the house is considered a asset so therefore I do not qualify for assistance and will have to live in my car. ( I am XXXX XXXX XXXX ) This company has been negligent in assisting me in resolving this issue and I need intervention ASAP. I hope you can do something to help me so I will not become a " casualty or statistic '' because of being a single female living in my car. I spoke to the realtor 2 days ago and he is still interested in assuming the loan if they will finish this process. PLEASE HELP!!!!! Thank you.

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 2021-01-29
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit I found a trade line from Allied for XXXX XXXX XXXX that was reported to XXXX  on XX/XX/2021. On XX/XX/2021 I emailed Allied via their website explaining that I believed this account was being handled by XXXX XXXX, I sent a second email on XX/XX/2021. In both of these emails I explained that I had not received an initial letter of validation or any written or verbal communication regarding this account. As of XX/XX/2021 I have not received a response to either email, received a phone call, or received an initial notification letter from Allied Collections. As a result they have an open trade line for a collection account without giving me the opportunity to dispute the validity or pay the account in full prior to them reporting this to the credit bureaus. 

I reviewed my credit report and found that XXXX XXXX XXXX updated their reporting ( resulting in 2 collections being listed for the same account, an issue I will report separate to this complaint ) on XX/XX/2021. This means the earliest Allied could have had this account reassigned to them is XX/XX/2021 ; as they reported the collection on XX/XX/XXXX it would be impossible for them to have sent the initial notification letter and allowed the 30 day right to dispute as required by law prior to them reporting this account to my credit bureau. I view this tactic as a clear case of debt parking.

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 2023-11-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All accounts are marked as in good standing and closed but are still showing negative marks on credit report. 
I am seeing from all that I am in good standing and accounts are closed!

Company response to consumer: In progress
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I requested my credit report from anualcreditreport.com where it clearly states " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' I was unable to process it on line so I requested by mail. I received a letter ( attached ) that I had to pay because I have already received a report in the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than 6 years. I have a mix of credit and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!

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 2018-08-30
Company: BlueChip Financial
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for. 

However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account. 

This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy. 

I can not be considered for any assistance because no one can see my account information to make a determination. 

This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options. 

Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-01-22
Company: Fairway Independent Mortgage Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( Fairway Mortgage ) sold the mortgage to another mortgage company ( XXXX XXXX ). My homeowners insurance company ( XXXX XXXX XXXX, XXXX XXXX is listed as the agent ) charged us {$30.00} to do paperwork to transfer the insurance. They said if we don't pay this fee they will terminate the insurance. We paid a full year in advance, so how could they terminate the policy? Why should I have to pay this fee? Shouldn't Fairway Mortgage pay for this since they initiated it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a CareCredit card with Synchrony Bank for as long as I can remember, and never made a late payment or went over the limit. The cars currently sits with XXXX balance. My credit scores are over XXXX depending on the bureau and my salary is over $ XXXX per year. 

Now. I applied for a Verizon Credit Card issued by Synchrony Bank on XX/XX/2020. My credit bureaus are usually frozen as a personal choice to protect myself. I unfroze XXXX  and applied. I got a credit pull but the application said Id receive a letter. They didnt mention approval. 

I had to spend about 30 minutes calling different numbers at Synchrony Bank and getting transferred, until finally I was connected to the department in the bank that deals with the Verizon card. After a while, and using my social ( not the confirmation number ), the lady said the credit check was not done and to please unlock XXXX, so I did. I got another hard pull on XXXX  this time. She immediately transferred me to another person who then told me Id receive a letter in the mail, but no answer. So far I have 2 hard pulls on my credit reports and no answer. 

I called again and a person finally told me my application was denied, without providing any information. I asked to speak with the lending or reconsideration department because the bank could easily either convert my CareCredit card to a Verizon Credit card, or transfer enough credit line to open the new account. This person stated there was no such thing and there was nothing that could be done. 

Synchrony Bank acts like a XXXX it seems. They ruin your credit by doing 2 hard pulls and at the end you dont get anything. This is completely unacceptable and they should be held accountable.

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 2019-03-15
Company: URS Holding, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello! 

I sent them a debt validation letter dated XXXX. They failed to work with me and were very rude to me. When i asked for the company manager they hung up in my face. I contacted them several times after and received the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I noticed that a transaction was made in my XXXX wallet of {$2000.00} USD of BTC. So I decided to move the bitcoins to my bank. That same day XX/XX/2020 I filed a support ticket on the website since their phone number is only gives on option to lock the account. The next day, I recied a message that the I was sent a message saying my account had been locked. The website locked my account when i called to ask about the unauthorized transaction. I then had to take a picture of the front and back of my id and take a picture of my face for recovery. They said it would take 48-72 hours to respond. Today XX/XX/2020 I received an email saying my account was unlocked. I was able to get into the account ater several tried the app let me in and there is XXXX $ in it and all the transactions are all gone. I logged into my bank and they had in face charged my credit card a XXXX $ transaction fee. It says its for an ACH Withdrawal from coinbase.com XXXX. The fee was made on XX/XX/2020. I will be calling my bank to dispute the charge. Since my money and transactions have been removed I believe this to be a scam. Support keeps sending me into a loop on the website to change the password. 
I recievd an email that read : You sold for {$2000.00} USD of BTC We expect your sale to be completed by XX/XX/2020. 
Reference code XXXX Payment method USD Wallet Date XX/XX/2020 Amount XXXX BTC Exchange rate @ {$12000.00} / BTC Subtotal {$2000.00} Coinbase Fee {$30.00} Total {$2000.00} My account balance is now XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy 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 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 2019-01-22
Company: Westlake Services, LLC
State: SC
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 have Westlake Financial reporting on my credit report incorrectly. The amount due and the date opened is incorrect. They must have the account mixed up with someone else. I have requested the original documentation from them and they will not provide it to me. They have stopped returning my calls when I ask for a supervisor or they will hang up on me. I tried to tell XXXX this so they can assist me, but they wont request the original documents either. They just respond saying account updated. Please advise how to get this account information either removed or updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in XXXX with TCF Mortgage, in XXXX I refinanced again this time using XXXX. Now I am trying to sell my house but a title search has shown that TCF Bank didnt properly satisfy the mortgage with the county. I have been trying to get resolution from TCF Bank since early XXXX. When you call them you have a hour wait which I have waited but still dont provide help. You cant get a direct number to anyone and if you send a email to customer service you dont get a reply back. I have a title company trying to help with this but get the same results, in fact when they actually spoke to someone and asked to speak to a manager they were hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation