BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My home is worth approximately {$500000.00}. Yet when I negotiated my mortgage with the the investor, they did not follow any federal guidelines when the put a balloon payment at the end of my mortgage in the amount of over {$240000.00}. along with a XXXX XXXX  of {$430000.00}. Totaling {$670000.00}. This would bring the loan into Respa and Tila violations as it currently stands. 
I retained XXXX XXXX XXXXXXXX XXXX to negotiate and come up with a reasonable solution for a short sale, have a buyer in place with a HUD 1 provided as well as Community Loan Servicing, Contact XXXX XXXX. XXXX XXXX has tried to contact XXXX and her XXXX to negotiate a short pay with the current investor. XXXX XXXX and her XXXX XXXX XXXX. They apparently have not informed the investor of this situation. It is not in line with guidelines to not inform the investor of a short pay offer for a troubled asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Credit Bureau of the South, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've disputed a charge with the XXXX XXXX Department multiple times now, once with XXXX and once with XXXX to clarify that my debt IS NOT VALID. 

I called in to turn off my service XX/XX/XXXX with a 100 % paid account and was told there would be no further bills. They continued to run my account through XX/XX/XXXX and XX/XX/XXXX which I was n't even present at the address and then put me in collections without ever getting a notification from Credit Bureau of the South or the City of XXXX for any final balance owed. 
I do not owe this debt, I do not want it on my credit report anymore. 

This is killing my credit score at this point and I 'm trying to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MD
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights Opp Loans XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my righ

ts 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 an 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 explanation
Consumer complaint received 2017-01-24
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent Outsourcing just reported a {$400.00} collection account on my credit report. Prior to this account appearing on my credit report, I did not received notice of my right to dispute. And this is important, because I contest the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. 
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: CMG MORTGAGE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue I have is for a rental property ( with tenants ) with Mortgage. During the COVID-19 pandemic, the tenants could not make rent payment so I requested forbearance due to reduction of income. Mortgage was in forbearance from XX/XX/XXXX until XX/XX/XXXX. I ended the forbearance in XXXX and resumed making regular payments ( Starting XX/XX/XXXX ) since the tenants resumed paying rent. 

I requested a deferral for the 9 payments missed during forbearance over the phone. CMG ( the mortgage company ) said they will mail me a package to review and request it officially. I signed it and sent back to CMG. After few months, In XX/XX/XXXX, I called CMG to inquire about it again since the issue was not resolved. They said they will send the official deferral agreement again. I signed it and sent back to CMG. On XX/XX/XXXX, I finally received a letter confirming the deferral agreement approval and as of XX/XX/XXXX. XXXX, my loan will reflect that I am current with all payments. The 9 missed payments during the forbearance period will be moved to the maturity date of the mortgage ( end of it ). 

Today, XX/XX/XXXX I called CMG to inquire about this issue since it doesn't show that I am current on my payments. Last statement shows over {$10000.00} due for all payments. 

I am trying to apply for another mortgage for a different property ( from a different lender ) and underwriting will not approve me without showing that I am up to date with that ( CMG Financial ) loan. Last statement from CMG shows that I am 9 months behind, I am being charged a {$35.00} late fee EVERY month ( although I am making payments monthly and on time ) and there is no evident that my loan deferral was processed at all. They did not report my on time payments since XX/XX/XXXX to my 3 credit files and I am about to lose the new house I am trying to purchase. 

I was told today that someone will call me back on Monday XX/XX/XXXX and follow up with me. 

This is extremely frustrating. Please help... 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NY
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'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several things on all XXXX of my credit reports ( Equifax , XXXX and XXXX ) that are inconsistent with each other. I understand that different creditors report with different agencies however, I am trying to repair my credit and I 've been unable to obtain even a local department store card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE FRAUDULENT COLLECTION ACCOUNT FROM CREDIT FILE. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken with my local gym ( XXXX XXXX XXXXXXXX, TN ), they have told me there is no record on file for a debt owed, a " law office '' from XXXX, UT ( XXXX ) is calling me saying they have a file from the gym. They have stated they have sent me a record for collections, but I have not received anything. The local gym has also stated they do not use an outside credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Company Paypal Inc, Allowed a fraud chargeback into my business account with them a customer doing a false claim with XXXX credit card company that my job was not completed. 

We provided all necessary information to Paypal to explain to them that we completed the job and this customer is doing chargeback fraud to my business. 

Paypal mentioned to me that on the XXXX of XXXX XXXX has no answer yet they will pay me back the money and close the case because I'm covered with merchant coverage protection we have them recorded 2 times after a 3rd call we recorded another of their employees saying that the other 2 employees they lie to me and my money will be not paid back with a rude attitude. 

If the promise was fraud protection to my business on the XXXX why did they not give my money back and stop talking the wrong way?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2016-05-04
Company: Kyle Law Group, P.C.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX. I am trying to get a recorded subordination agreement from the law office Kyle Law Group. This is a judgement lien against my husband, XXXX XXXX, that was filed XXXX/XXXX/XXXX. This was federal student loan judgment. I went through a HAMP re-modification with my mortgage lender XXXX XXXX XXXX XXXX. I successfully completed the terms of the HAMP agreement. I was told by a mortgage representative that in order to receive the final documents, and wipe the slate clean to get back on track with my mortgage I need to take care of the liens and/or judgments that belonged to my husband. I am the only one who is on the original mortgage loan agreement. I receive social security XXXX, my only income. My husband who was working at the time I started the HAMP re-modification process had to have his income included because we needed his income in order to qualify for the HAMP re-modification. We have been paying {$75.00} every month for the last 3 and a half years to the Kyle Law group towards the student loan judgment. This {$75.00} goes toward the interest and not the principal. Even though we are paying as agreed ( the funds are debited from our bank account on the XXXX of every month and we 've never missed a payment ). The law group says that they will not give my mortgage company a recorded subordination agreement. If they do n't do this for me then I will not get approved for permanent modification and could lose our home. This attorney is collecting this debt on behalf of the US Department of education. I wish that my husband 's income did not have to be calculated and therefore, I would not be in this dilemma. I am the original borrower on our mortgage. I do n't fully understand what my right 's are as a borrower. I originally fell behind in my mortgage payments after being diagnosed with XXXX XXXX ( XX/XX/XXXX ) and present. My employer laid me off, so the end result is where I am now. These liens have nothing to do with me. My husband recently submitted a lien complaint to your agency on XXXX XXXX, XXXX. My mortgage company said that this issue must be resolved by XX/XX/XXXX. I would really appreciate any help that you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years! 
They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express lowered my credit limit from {$20000.00} to {$12000.00} and told me I had to pay about {$3000.00} and if I did then they would raise my credit limit back up. I have never been late on a payment or missed a payment with them since the start of my account over 4 years ago. This took my credit usage up on my credit score while I am in the middle of applying for a small business loan. Again, I have never done anything for their company to label me as a liability to lower my credit limit. I have never missed a payment on this credit card or any other card, loan, or mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
The company of XXXX XXXX XXXX ( XXXX XXXX has repeatedly contacted me in regards to a Debt owed by a XXXX ( XXXX? ) XXXX. I have attempted to inform them that I am not XXXX XXXX on several occasions and have requested to have my number removed from their files. Each time I tell them that they have a wrong number they get verbally abusive and profane. Additionally, they have informed me of who XXXX XXXX 's creditor is ( Chase Credit Card ) and the amount of the debt ( $ XXXX ) and then used a threatening tactic of stating that they are going to file a lawsuit against me unless they get their money. I have had my number for 14 years. I do not know XXXX XXXX, do not know how to contact XXXX XXXX, and have never had contact with XXXX XXXX as far as I am aware. Further, this is a business number and their repeated calls are impacting my business in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Siggi LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I received a personal loan from Omni Financial of Nevada , Inc. in the amount of {$700.00}. The terms of my loan were that I would pay {$110.00} a month for 7 months by either : allotment through the XXXX XXXX and XXXX XXXX ( XXXX ) or set up Electronic Fund Transfer ( EFT ) through my personal checking account at XXXX. Ultimately, my repayment method was by allotment through XXXX. 

Omni violated the Military Lending Acts prohibition on requiring repayment of the loan by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit. Omni also violated the consent order that requires Omni to provide notice of the Consumer Financial Protection Bureaus XX/XX/XXXX findings to all customers repaying their loans by allotment. That notice was never extended to me and I wouldnt have known to ask for it. 

Along with the violations, my first repayment was not to be made until XX/XX/XXXX and my final repayment to be made XX/XX/XXXX. Omni took my first repayment by allotment on XX/XX/XXXX, and two additional payments after my loan was fully repaid by allotment on XX/XX/XXXX and XX/XX/XXXX. I am able to see the XXXX allotment due to my XXXX online account which shows my mid month and end of month pay plus any allotments 7 days before my end of month paycheck. I decided to check that today ( XX/XX/XXXX ) due to the unauthorized allotment on XX/XX/XXXX. 

The XXXX payment was refunded XX/XX/XXXX in the full amount of {$110.00}. The XXXX payment was refunded XX/XX/XXXX in a partial amount of {$100.00}, I was not made aware of the fact they owed me anything until XX/XX/XXXX, 7 days after the allotment was sent to them. I am unable to get the XXXX payment refunded until after the XXXX as their systems wont receive it until then despite my Leave and Earnings statement showing the future transfer. Omni did not terminate the allotment on their end and never contacted me via phone, e-mail, or my Omni dashboard once the loan was fully repaid to notify me that I needed to terminate the allotment through DFAS if they were unable to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation