BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing is a disreputable, inept company that has no business holding a license to service mortgages. According to the CFPB, the COVID-19 CARES Act Relief Options prohibits loan servicers from loan foreclosure for federally backed mortgages for 60-days, and if one experiences financial hardship due to the coronavirus pandemic, we have the RIGHT to request a forbearance up to 180-days, which can be extended by another 180-days. 

Bayview Loan Servicing was contacted in wriitng at least twice weeks ago to begin forebearance effective in XX/XX/2020. NO ADDITIONAL DOCUMENTATION IS REQUIRED TO QUALIFY OTHER THAN A CLAIM TO HAVE PANDEMIC-RELATED FINANCIAL HARDSHIP. 

Bayview required two forms to request forbearance, one requiring the documentation the law does not require. Even with that, they failed to provide forbearance and withdrew funds from my account. This is fraud under the Electronic Funds Transfer Act. 

I have asked that my account information be deleted from this account as I was provided temporary help. I informed this inept company to delete my information though they did not. 

Look at Bay Loan Servicing reviews on the Better Business Bureau or any other reputable source. This disreputable tarnished company does not deserve to hold a license in the state of California or any other state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: DC
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, 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.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Their investigation did not fix an error on your report

Complaint:
I have sent four disputes to XXXX, Transunion, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these 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 2021-02-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm coinbase customer since 2017. A few weeks ago, coinbase asked me to verify my account again. So I did provide all necessary information and uploaded my ID card. Since then my account is restricted cause it's being reviewed for so long. 

In my account I get the message " Account under review. Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I can not buy/sell/convert any currency and I can not send/receive funds. So my money is literally locked at coinbase now for weeks. 

I already submitted a ticket XXXX XXXX # XXXX XXXX but they aren't helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt of XXXX for a future pay account that the debt collection agency Transworld Systems Inc is handling I set up a payment plan monthly with them I been making my payments ever month on time but they keep calling not me but my husbands cell phone constantly even after repeatedly telling them that is not the correct number to be calling and to stop they apologize and tell me they removed his number and I give them my number but they continue to call him I call them back they tell me the same story they removed his number but yet continue to call him about a debt that is being paid and has nothing to do with him they never call me even after I give them the correct number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XX/XX/XXXXOriginal Amount : {$220.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX< Pay Status : >In Collection<

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 2018-07-07
Company: PORTFOLIO RECOVERY 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: Account information incorrect

Complaint:
Portfolio Recovery Associates had marked my credit reports as failed to pay on two separate accounts. I had paid PRA for the XXXX XXXX account on XX/XX/2016 in the amount of {$600.00}. Yet they had marked my account as failed to pay in XX/XX/2016. Also they had marked another failed to pay on the other account. I had paid PRA on XX/XX/2016 in the amount of {$950.00} and they had marked that account as failed to pay in XX/XX/2016. That account was with XXXX. Both of these accounts are through XXXX XXXX and handled by Portfolio Recovery Associates. This information listing as failed to pay is Not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-01-21
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fedloan Servicing has not been crediting me for the payments I 've made since XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
I had a XXXX card that is wrongfully reporting as a charge off on my credit report and have been disputing this claim for years now because the information is not correct. The card that XXXX issued me had a limit of a thousand dollars and on my credit report they are reporting that it was XXXX dollars. I had used the card to buy an appliance that was over XXXX dollars, which I took back because of a malfunction. The which I took it back to on XXXX XXXX XXXX XXXX told me that my card would show a XXXX balance on the next statement and I took their word for it, believing that they would have made the correction and they didnt so the balance that was to have been taken off went in to collection or charged off. I have been disputing this for sometime now and the credit bureaus keep saying that it was verified. The questions I have is how could incorrect information be called verified when it is not true. I spoke with someone at the dispute center that handles issues for collection for XXXX and they told me that the credit limit on the card was {$1000.00} but my credit reporting bureaus is saying that {$700.00} is verified when clearly this is not correct. So if my account was to have shown XXXX, then why is it showing as derogatory on my credit report? Clearly the credit reporting agencies is not doing their work and continues to report false information in defiance of the fair credit reporting act.

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 2020-08-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, Home Depot offered me a Store Credit Card with a $ 50-100 reward upon initial purchase of $ XXXX within first 90 days of obtaining credit card ( XXXX ), I purchased various items totaling in amount of {$330.00} within two weeks of receiving the credit card. And I paid an amount of {$280.00} immediately as I received the first bill of {$330.00}. This amount was simply calculated the total Balance of {$330.00} minus the {$50.00} initial offered reward. Later in XXXX, I received another bill in Amount of outstanding balance for {$79.00}, which was stated being the remaining {$50.00} as an outstanding balance plus late fee charges. I called the Home Depot Customer service Dept & the matter I was told was taken care of and the mistakes corrected. Later I received Another Bill, this time for {$120.00} stating the initial {$50.00} balance plus repeated late fees mounting to {$120.00}. I called the Home depot Customer service again & the matter was again, ( I was told ) was taken care of. I asked for confirmation number. She told me simply her name to be used as confirmation code ( GUDRUM ) Later I called the CitiBank ( The bank behind the Home Depot Store Credit Card ) They clearly stated that the Store needs to correct the mistake & they can not be helpful to my case. During this two month, I have been writing emails to the customer Service Dept. at Home Depot ( Four Times ) AND YET TO RECEIVE A RESPONSE TO MY INWUIRY. 
I went to the store as I was told to do so by the Citibank Customer service Dept in the Store in XXXX, IL. They were on the phone with the customer service dept for an extended amount of time with no resolution. The Home Dept appears to be simply unable to correct their mistakes.

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 2018-07-04
Company: Account Liquidation Services Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
By pressing the correct number on my phone, I indicated the party they are trying to reach does not live here.

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 2022-08-06
Company: WELLS FARGO & COMPANY
State: FL
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:
I have made about twenty claims with Wells Fargo and every time I made a claims I received an email apologizing for the inconvenience and the bank blamed the system error. I'm not sure what is going in on with XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX with the bad habit of allowing other merchants to debit it money from my account. What are the banks doing to protect consumer account. I have this claim number against Well Fargo. I did the math and it added to {$220.00} now they are saying that they already pay me. I need Wells Fargo to send me proof of the receipt. I need help from this agency Claim number 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 2021-02-28
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Lease Agreement for XX/XX/XXXXXXXX XXXX XXXX VIN # XXXX Good Evening XXXX, My name is XXXX XXXXXXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. 


Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. XXXX is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. 



Thank you for your consideration, and I hope you or your company will approve my request. 



Best, 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 2020-08-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
equilfax information servicesLLC is showing incorrect and false information on my report for XXXX XXXX XXXX XXXX credit card # XXXX as charged off / closed by credit grantor / unpaid balance.. this has been paid on time

Company response to consumer: Closed with explanation