BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: GENWORTH FINANCIAL INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received notification that the company Genworth which is ( was ) my life insurance company and is named in this complaint was having problems paying out their claims upon claims and suggested that I go elsewhere for my insurance needs. Mind you I have had insurance with this company for the better part of 20 years without issue.

I attempted to call them to speak to them about the info that I received in addition to things I have found out in my research and on their own website. Turns out all social media was reflecting the same information and even on Genworth 's website stated, " due to the claims that have been paid out in the past years they were no longer offering life insurance and could no longer meet their obligations of paying claims. Clearly stating that " if you have life insurance with Genworth you are to go elsewhere for your life policy needs ''. 

At that moment I then decided to cancel my policy upon their instructions. It is NO FAULT of mine that they are unable to handle accounts and pay out claims. At which time since I am being forced to cancel and go elsewhere, I requested a full refund for all of my premiums since I started over 20 years ago. 

I then receive a letter from a senior resolution specialist, XXXX XXXX, which I have attached the letter, that stated since I canceled my policy they would NOT be able to refund my premiums. 

THEY ARE THE ONES GIVING INFO OUT FOR ALL CUSTOMERS TO GO ELSEWHERE AS THEY CAN NOT PAY CLAIMS. I had no intentions of going anywhere until they stated that they are having funding problems and are not able to pay out claims due to their inability to handle business in an ethical manner. So their take is, " due to our bad accounting practices we ask that you go elsewhere for your life insurance needs and oh, by the way, we are keeping the premium payments that you have paid faithfully for the last 20 plus years. REALLY???? Is this even legal? 

I will also be making a claim with the FTC, the XXXX  and the State, and local authorities. This is clearly unconstitutional. If you are no longer able to provide a service to a long time customer and request them to go elsewhere due to your " Genworth 's '' bad business and accounting practices then at least give the customers their premiums back that they paid in faithfully without fail. I pay on a policy for over 20 years and then told to go elsewhere and you get to make the call to keep my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and TransUnion sinceXX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates 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 2017-08-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I overdrew and account and all monies were paid back when I reopened the account in XX/XX/XXXX otherwise I would not have been able to reopen any checking or savings accounts. In XX/XX/XXXX they went into my account again adjusted it again for XXXX which was paid in XX/XX/XXXX. I disputed it and it was returned. My account was again offset in XXXX for XXXX. I filed a complaint with the federal reserve and all monies was returned again, As of XX/XX/XXXX the loss department headed by XXXX XXXX withdrew it again without notice. I explained that there are no monies owed or I could n't reopen the account he was crass and careless saying the money was owed without any evidence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called multiple times and attempted to get escrow amount corrected. I have a homestead on my house that clearly shows the discounted amount, but Lakeview has continued to give me the runaround.

I have been calling for two weeks after uploading the documents they requested. After getting off the phone today and told they are still working on it, I received am email ( ref XXXX ) told that they cant adjust until the end of the year. 

This means they expect me to pay over $ 100 month extra unnecessarily. I am in the middle of a refinance and do not want this affecting me because Lakeview refuses to get account corrected in a timely fashion per FCRA. 

I have made several attempts to get this resolved so I can make this months payment with nothing happening.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. Transunion score is almost 80 point lower than XXXX and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Capital One Bank Account # XXXX I have been trying to resolve this issue with Capital One for a year or more now, and they responded with a letter saying they were sending it to their fraud department ( according to CFPB Case # XXXX ; I never received a physical copy ) and to give some time. The letter was dated XX/XX/2020. I gave 6 months. In the letter they confirmed the account was done online and that they do not have any signatures, and it was linked to me by public records. Well if its public, anyone have access right? So that is not considered validation. According to the law, if the account is not validated the creditor must remove the account from my credit report. They also mentioned they sold the account. How and why when the account is not validated? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I refer specifically to the ad I encountered while booking a flight on the XXXX website. The ad stated that if I applied for and used their rewards card to book the flight, I would receive {$100.00} off the cost of the ticket. I foolishly believed it, applied for and eventually received the card a couple of weeks later. I assumed ( XXXX  me ) that there would be an opportunity to point the charges to the new Barclays card at some point in the booking process, but there wasnt. In order to receive the quoted price on the tickets I had to order them immediately, I couldnt wait for the card to arrive without the price almost doubling. After the application process, nothing showed up in the booking process that referenced the new account or even acknowledged Id applied for it. This is deceptive, fraudulent and illegal.

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 2020-07-07
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2020-01-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today XX/XX/2020 I was on the phone thats a proximately XXXX with a representative from EXPERION. who I was explaining that there is something wrong with my negative score factor. My explanation of the problem is that The reason for the score factor being negative changes after every new reason is proven to now be true. EXPERION use scam to keep my score stagnant. And use this as justification for my mysteries point deductions, but every attempt to get it removed the reason behind the negative factor get change the young lady told me that if Experion remove that false negative factor I will have a better score like XXXX and That Experion does not allow that I have the pictures to prove that in attachment. Its illegal so do that. I would like for the attorney general and Supreme Court to see this new evidence of companies breaking the law.

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 2020-01-25
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in XX/XX/XXXX from Frost-Arnett Credit company stating I owed a total of {$2400.00} from XXXX XXXX XXXX. Before this account went into collections, I had asked to hospital to send me an itemized bill due to not knowing where my {$1700.00} payment, on top of my insurance, went. I received a summary of my treatment, but no specific dates my payments were made, no amounts of what my insurance paid, ect. I  wrote them back to dispute the collections asking to receive validation that I owed this debt on XX/XX/XXXX. I then stopped receiving calls. On XX/XX/XXXX, I received a letter stating that the agency was unable to verify the information requested and that they were to return the debt and cease collection of the account. On XX/XX/XXXX, I received another letter with the same account number stating I owed {$930.00} and that I had failed to respond to previous communication regarding my bill, and that I was to pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shell Point Mortgage took over my mortgage in XX/2016. We got notice of the fact. Two months ago we got a letter saying whats past due. We have NEVER GOTTEN A MONTHLY STATEMENT. I am in bankruptcy. My mortgage is not part of the bankruptcy. I have no online access. They will also not talk to me when I call them.
How many laws were broken here? We have no idea of our monthly payment or interest rate. Have no idea how our payments have been applied. No contact is allowed except they do take my payments!!
HELP!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CrossCountry Mortgage LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary residence home has its only mortgage with CrossCountry Mortgage Company. The mortgage account has a Escrow Account with it. According to the term agreed by both sides, the Escrow Account only escrows property tax and does not escrow insurance. 

I received my property tax bill in XX/XX/XXXX, due in end XX/XX/XXXX ( see attached " XXXX XXXX XXXX XXXX '' ). I emailed CrossCountry Mortgage Company to remind them of the bill on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They assured that they were " scheduled to disburse your county tax payment to XXXX XXXX XXXX XXXX in XX/XX/XXXX, in the anticipated amount of {$3100.00}, from your escrow account. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; they would " electronically verify the final amount due before the next disbursement is processed '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; and " it is not necessary to make a payment towards your escrow account before the upcoming disbursement in XX/XX/XXXX. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ). 

However, I received a new property tax bill with past-due penalty on XX/XX/XXXX ( see attached " XXXX '' ), indicating that CrossCountry Mortgage company did not disburse my property tax payment to New XXXX XXXX XXXX in XX/XX/XXXX. I tried to reach out to CrossCountry Mortgage Company to resolve the issue, but failed to get their response. As a result, I had to mail a check with the payment requested in the new property tax bill to avoid any further delays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Every time for the past year, when I applied for credit for car loans, credit cards, leasing for housing, and companies that use Equifax consumer reporting agency I been denied access to credit. Equifax is using unfair bias practices tactics on how they report minorities ' FICO score - credit score. I applied for a loan with XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, Ga XXXX, on XXXX XX/XX/2021. I was denied credit because the Equifax score reporting system is biased it reported my credit score is XXXX. That's inaccurate. My score should be higher. For years Equifax has been reporting low scoring for minorities affecting their livelihood and unable to obtain the American dream. 

Please probe Equifax credit scoring systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CURO Intermediate Holdings
State: CA
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: Problem with personal statement of dispute

Complaint:
Dear Speedy Cash credit reporting department I have 3 hard Inquiries on my credit report Did you get three separate and complete applications even so only one should've reported only one counts regarding this loan on XXXX. Can you send me a copy of such applications. There are two hits on XXXX and one on XXXX. Please help me clear this up is affecting my credit score I am trying to rebuild. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Resurgent Capital Services L.P.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) ( Phone:XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, which maxed out and I couldn't pay until I sold my house. In XX/XX/XXXX I sold the house and tried to pay this off. It had gone to collection with XXXX XXXX, XXXX. So I called XXXX XXXX XXXX ( Also called XXXX XXXX, Phone : XXXX XXXX XXXX XXXX ) and they reached a settlement with XXXX XXXX XXXX for {$690.00} on XX/XX/XXXX and paid {$50.00} on the settlement and {$28.00} each month after that. Then Resurgent Capital Services ( Phone:XXXX XXXX XXXX ) took over the settlement in XX/XX/XXXX. XXXX XXXX XXXX paid XXXX XXXX, who paid Resurgent Capital ( Also called XXXX ) the $ XXXX monthly payment-until I came up with the money and tried to pay it off. I paid XXXX more than enough for the payoff. But when they tried to make the payment, first they had to track down XXXX, and then XXXX refused the payment, which they gladly took the monthly payments up to then. At the same time XXXX claims the difference between the settlement and the original bill with XXXX XXXX is a totally different account which no payment has been made on. If you check the account number each of these outfits use you will find the exact same credit card number on each with no change. In other words, it's the same account. 
The only thing from XXXX that matches anything is the bank name and credit card number. They even change the amount at will. I've tried since XX/XX/XXXX to resolve this and got nowhere. Obviously XXXX is trying to pull a scam at my expense and intentionally ruining my credit with their scam. I need this repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: THRIVE MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Closing was rescheduled from XX/XX/XXXX, to take place this afternoon at XXXX XXXX CST on the purchase of my home. I reached out to Thrive Mortgage, who is the Lender for this transaction, and requested a copy of my Final Closing Disclosure so that I know how much funds I'm required to bring to Closing. I've requested this information since yesterday and I followed up this morning, XX/XX/XXXX, and they have not responded. Per TRID regulations, they are required to disclose any changes made to the loan within 3 days and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: ALLY FINANCIAL INC.
State: PA
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 had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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 explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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