BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed on XX/XX/XXXX when XXXX left a voicemail from the number XXXX ( unknown on caller id ) that I needed to immediately contact a member at Caliber Home Loans. I immediately returned the voicemail message and told XXXX ( she would not give her last name ) that the outbound phone attempts outlined above could not leave voicemails. Still, once a borrower has been flagged as " past due, '' messages can be left, which in my case was 40 days later. I'm not sure about other people, but I receive many spam calls and am not inclined to take any random calls. Therefore, when a voicemail is left, I'm quick to listen and quickly return legit messages. 

Considering that I did make our standard monthly payment of {$2400.00} on XX/XX/2022, through XXXX XXXX XXXX, I have always paid on time and was honestly unaware of the variance in price taking place in XXXX of a difference of {$280.00}, it seems questionable in lending practice and regulation. Furthermore, to learn that delinquency was reported to the credit bureaus that I missed a payment in XXXX ( whereas I was only made aware of the missed amount on XX/XX/2022 - almost 40 days later by Caliber Home Loans, seems like an unethical business practice. 

This situation has significantly impacted my credit score, and I'm discouraged by a lending company 's integrity and the practices that transpired. It is more of a " we gotcha '' practice than " we're here to help '' by servicing your loan as our customer practice. If I missed a payment altogether, I'd own the responsibility. But a delinquency filing on my credit score is simply unacceptable for hard-working American taking pride in every detail of my life to get slapped for a minimum delta in the discrepancy of {$280.00}. To state for the record, as soon as I learned of this variance, I immediately paid the delta and adjusted my bank, which is set on autopay for the new statement amount. 

In thinking about better customer service as an organization ahead, how about offering email notifications or sms text messages vs. random XXXX numbers. 

I have asked to have a manager call me back ( with no return call from XXXX or the manager ) if there is anyone at Caliber 's organization that would be able to reverse the filing against my credit score? I also asked for a contact within Caliber Home Loans that would be able to be shared with whom I can further communicate with?

To date, the delinquency has not been removed, I never missed a payment or heard back from a manager or someone of influence from Caliber to help me. 

I appreciate your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, TransUnion and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,

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 2021-07-23
Company: Grant & Weber
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was hospitalized in a XXXX  XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My bill was {$1400.00}. I began paying this and made arrangements with them to pay $ XXXX month out of my XXXX check. I made two payments, one in XX/XX/XXXX and one in XX/XX/XXXX ( check photos attached ). 

They sold this debt, despite our agreement and my payments, to Grant & Weber debt collectors in Nevada.

I have also made several payments to Grant & Weber, including over half the original debt, using my stimulus moneys. Nevertheless, they send me an aggressive, untrue statement ( attached ) and had refused ( as of XX/XX/XXXX ) to make note of my telephone agreement with XXXX XXXX to pay said $ XXXX, including threatening to report me to credit bureaus even today ( XX/XX/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 2021-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent all 3 credit reporting agencies ( XXXX, Equifax, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. I have attached all documents below.

Also, XXXX, Equifax, and XXXX  are in violation of the FCRA.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.

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 2020-06-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I call and call and call asking about my payoff quote and they refuse to give me the payoff amount. I've provided all the documentation they've requested. They keep saying their " sorry '' but they refuse to let me payoff the loan.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX in XX/XX/XXXX and was given a loan and reassured that I will have a job and be able to pay back my loans. That 's has n't happened. <P/>I went to XXXX XXXX on line XX/XX/XXXX-XX/XX/XXXX. My program was discontinued because the school was " closing '' I was told I would n't be held responsible for my loans because the school was closing and I did n't finish my program. Well all of that was a lie. School is still open. I should not have to pay for something that I did n't complete or get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed this account for the past 2 years. When the account first popped up on my account I immediately had the accounts associated with this account removed from my account and didnt have any problems with XXXX  or XXXX  getting them removed back in XXXX. While Equifax was going through there breach they did not report any of this information. When they did report the information back in XXXX i started disputing this error. I have been disputing this fraudulent account for the past 2 years with Equifax and do not seem to want to remove this account. I have disputed and disputed, and disputed, and disputed and i dont know what else to do. The information used to obtain this apartment can not be provided. I have requested a copy of my drivers license, social security and application used to obtain this apartment and XXXX XXXX XXXX nor can XXXX XXXX XXXX  provide this information. I dont know who obtained this apartment and neither do they ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX  XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. 
Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files. 
LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX  XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX  XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX  XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was enrolled in Equifax Monitoring Services in which I was able to get daily updates on my credit report and score. As of XX/XX/XXXX this was no longer an option. Each time I attempted to generate a new report with score the system indicated my order failed. I have spoken with several representatives and the issue has yet to be resolved. Most recently, there is currently a delay with Equifax reporting updates to my account. I have a new credit card that was reported to all 3 credit bureaus and Equifax has failed to update the account. I am also having trouble accessing my Equifax report through other monitoring sites. I am being told that there is an error with my authentication information. I have provided Equifax with my legal name, date of birth, social security number and address. This has been provided via fax as ofXX/XX/XXXX and again verbally on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not convey how inadequate this company is. 

They bought my home mortgage loan from another provider three months ago and have screwed up my payment two out of the three months, XXXX and XXXX of 2019. 

Two out of the three months they have had my loan Ive had to go get a copy of my bank statement and the canceled check to provide to them to get it straight. 

If what has happened to me thus far is any indication of what the future holds I wouldve been much better off taking out a loan through my local savings and loan and paying {$15000.00} more over the life of the mortgage. 

Not worth the savings to have to deal with the XXXX they put you through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX XXXX XXXX  engine quite. When I contacted credit acceptance because it was supposed to be still under warranty so I was told to take it to the XXXX store and was informed that it was not cover under warranty. Credit acceptance repo my car and told me that they would hold a private auction to sale my car and will refund me the balance but instead they added it to my credit and the remaining balance. I have paid over 9,000 dollars credit acceptance made false advertisement and broke my contract by saying I had a 5 year warranty when the warranty was expired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: NCC Business Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stayed at XXXX XXXX XXXX we're i under a landlord who was fraudulent and a legally change my rent payments and added utility charges that was not on my lease. When I approached her she threatened to draw a eviction up and did. I asked for contact info and was deny the information being a single mom and young I did not know how to handle the situation so I just let it happen. This was my first apartment and I had just moved to this new state I was taking advantage of and thanks to me not saying anyting dietitian was place on my credit and even though it has been over two years ago I have yet to find another place to stay. It was a bad experience that has literally Place my family in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Ocwen Financial Corporation
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:
My mortgage was serviced by Ocwen. Ocwen sold/transferred my loan to PHH. All payments were made timely. My loan was not timely/accurately transferred. I was just notified by XXXX XXXX that my loan as of XX/XX/XXXX reporting 30 Days late, with a {$0.00} balance and closed XX/XX/XXXX. My account was not 30 days late. When we called PHH and Ocwen we were advised that the over 30 will be removed due to it being inaccurately reporting. I was advised that there was a delay in Ocwen transferring the loan to PHH due to system issues. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: ME
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 paid Equifax to safely monitor my credit, try to get out of my debts, I trusted them and they ended up leaking all my financial information. I want all the money back I paid as well as compensation for stress and potential risk I am now facing due to their leaks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prestige Auto has failed to update the past due history on my account. Prestige Auto received a payment from my insurance company in the amount of {$16000.00}. Prestige is currently showing inaccurate past due history. I have tried several times to have this information updated however the correct updates have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.

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 2022-06-10
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report 2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Creditors were told by getting paid bi weekly some payments are due before second pay period I have no control over husbands pay dates this was explained to creditors they dont try to help so credit can be repaired

Company response to consumer: Closed with explanation