BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I purchased the " XXXX XXXX '' product from experian and paid each month for a membership that provides protection for identity theft/fraud. Experian has refused to provide access to this product. They are selling a product they do not have, as evidenced by my repeated video taped calls to their customer service number, the " fraud hotline '' number provided in the membership info ( see attached ) and their dispute number. Each call has resulted in numerous hours on the phone attempting to resolve the fraud on my report. If any resolution is provided, it is undone the next month. Disputed items are reposted to my 3 bureau report 1 month later. They also double bill my credit card each month.

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 2022-07-12
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX. 
I contacted them. They never contacted me about this. 
2019 I need proof. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have reached out to Transunion to remove XXXX XXXX off of my Transunion credit report. This is not my name. My name is XXXX XXXX XXXX and XXXX XXXX. This information is not showing on my XXXX  or XXXX  report. This name is only reporting incorrectly on Transunion. I have attached a copy of all three bureaus to compare the difference between the each report that shows my correct name as XXXX XXXX verses the incorrect name 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 2020-03-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

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 2016-12-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well

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 2020-03-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Multiple gift cards were purchased on our store credit card account at Kohls. The company 's fraud department flagged the purchases as suspicious and suspended the cards. When I spoke with them and confirmed the purchases were legitimate they put me through some sort of verification process to reactivate the cards, but I apparently failed that process. Since the gift cards were not reactivated, I asked their purchases be removed from my account ( credited ). Instead of removing the charges they insist I must go to the store to have the charges removed. Why should I be inconvenienced more than I already have to get a credit back to my account for gift card purchases that were already blocked. I would actually assume that since they blocked the cards the refund to the purchase account would be automatic. Instead they are insisting I return to the store, consuming more of my time and money to resolve this. All they need do is credit the account for the purchase of the now useless and of no value gift cards. When I called them a second time and was escalated to a supervisor, they offered to attempt the verification process again to reactivate the cards, but I have already replaced the gifts and the cards are no longer wanted as gifts. I told them I don't want the card reactivated. I just want the account credited. Simple. They again held that I must go to the store to gain a credit. WHY? This makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Transunion. I sent Transunion a " Privacy Opt Out Notice '' on XX/XX/2022. Transunion has been fraudulently disclosing my personal and private consumer information without my consent, which includes the five accounts listed on the notice. I am requesting immediate deletion off of my consumer 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 non-monetary relief
Consumer complaint received 2015-09-11
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection company called XXXX 1 day and XXXX time the next day. Spoke to rep on XXXX/XXXX/2015 on a day I was XXXX asked not to call me, he called back ... 

Collection company refused offer of payment plan. XXXX said I was to get XXXX bills then they send to collections. I only got XXXX bill in XXXX, then was submitted to collections on XXXX XXXX, 2015 ; received NO NOTICE from XXXX that I was being submitted to collections. This is only XXXX XXXX, 2015. The rude calls from collector and the disrespect is " not professional. " Request that CFPB work on my behalf ; stop the calls, get company to send letter acknowledging collection status ; accept a payment plan. Also Collection company needs " full disclosure '' of their identity and their company address and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/XXXX in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with XXXX  is on automatic payment however somehow this account was not.It appears that XXXX had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. XXXX allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked XXXX to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. XXXX will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.

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 2015-04-04
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Equity Loan bought out by SLS.. Sent new contract - I signed and returned. Then 1 months later SLS sent corrected addendum to loan because SLS did n't include what they say correct loan information. The new information was stating my loan amount would double on certain date and interest rate would increase. I have asked for a loan modification and SLS sent me a 36 month temporary modification with no change payment amount or interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

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 2020-03-09
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. XXXX XXXX has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for XXXX XXXX  to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. XXXX XXXX  was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.

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 2016-09-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC

Company response to consumer: Closed with explanation