BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I already recently filed a complaint against XXXX XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past Friday on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, XXXX had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from 6 months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past Friday, I asked what would now be my balance? She declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.

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 2016-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. 

This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. 

I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Basically I submitted a previous complaint XXXX with CFPB in regards to The Money Source not properly transferring loan payments to XXXX XXXX. The Money Source never transferred funds or provided actual proof such as a wire # or check receipt etc. I reached out to XXXX XXXX on XX/XX/XXXX and they still haven't received any funds and are expecting a XX/XX/XXXX payment. I have reached out to XXXX XXXX who was listed below at a POC for TMS and she has not responded to my inquiry. 

Here is an outline of the previous complaint ... 

XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source ( NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that TMS transferred his loan to mortgage servicer, XXXX XXXX, but did not forward his XXXX payment. Upon receipt of the complaint, TMS conducted a thorough review of the account and determined that the loan was originated with XX/XX/XXXX on XX/XX/XXXX, with a first payment date of XX/XX/XXXX. The loan transferred to TMS on XX/XX/XXXX. The Borrower made a regular monthly payment of {$1900.00} on XX/XX/XXXX and additional principal payments of {$1700.00} on XX/XX/XXXX and {$1300.00} on XX/XX/XXXX. The loan was scheduled to transfer to XXXX XXXX on XX/XX/XXXX, at the full principal balance of {$340000.00}. Rather than being placed in a suspense account, the XXXX payment and principal were applied to the loan in error, delaying the transfer process and posting of the funds. The funds will be transferred to XXXX XXXX by Friday, XX/XX/XXXX. TMS has advised XXXX XXXX of the date of receipt of all funds so that they can be correctly credited to the account. The issue has been escalated to management for review of the payment posting and transfer process and addressed through training to ensure this does not occur again. TMS sincerely apologizes for the delay and frustration caused by this error. If you have any questions or need further information regarding this complaint, please contact me at XXXX. Sincerely, XXXX XXXX Vice President, Regulatory Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
An unknown persons name was added to my credit card account without my authorization. The credit card company stated this person had requested power of attorney over my account. They were able to put their name on my account as an authorized user by submitting legal paperwork to obtain XXXX. I never knew this name addition and request for XXXX  until I received a letter from the credit card company requesting the address and birthdate of person requesting XXXX  to complete the application. After speaking with credit card company they said this name addition and XXXX was accomplished through legal paperwork the person submitted.at this time I closed the account, spoke to the cc fraud department and filed a police report. This letter was dated XX/XX/2022 and I received it on XXXX XXXX. On XX/XX/XXXX was when I called cc company to report and discuss this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. 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 XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting 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 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 As a consumer by law, this account must be deleted immediately XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX FDCPA Section XXXX Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. FDCPA XXXX XXXX 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 2020-03-04
Company: ALLY FINANCIAL INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have been trying for almost a week to get a payoff quote from ally bank that includes my loan account number. I have spent hours on the phone and still do not have this most basic document. Ally bank is not relinquishing this information so that I can not refinance and so they can still keep earn interest on the loan at a ridiculously high rate.

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 2022-02-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has gotten hold my social security number and Collecting unemployment and insurance benefits underneath my credit also!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
PNC submitted a response to the credit bureaus and they changed the account closed date to  XXXX . This originally had the close date of  XXXX   XXXX  This needs to be changed back to the correct date.  XXXX  has the account closed with the wrong date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying " XXXX XXXX XXXX  '' {$9.00} per month since 2019 under the assumption my loans were being serviced by Navient and ignoring XXXX as advised who I come to find is my actual servicer. I was told this was a forgiveness program when in actuality i was under a forbearance with nelnet and due to the pandemic did not actually have any payments thankfully. I want to assure I receive what I am entitled to through the Navient settlement and report the fraud. My account states XXXX XXXX XXXX  XXXX on my members 1st account. They do not respond. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Neighborhood Autos, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting an account that closed in 2009 {$550.00} They refuse to remove Account number XXXX it was only for 1 month

Company response to consumer: Closed with explanation