BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon. I am writing from XXXX XXXX, FL, the area most recently devastated by Hurricane XXXX. Immediately after the hurricane, our lender offered a forbearance program due to the natural disaster. While my home suffered some damage, it was not enough to meet my hurricane deductible through my homeowners insurance so we decided to take advantage of the forbearance and pay for our repairs out of pocket. Leading up to the end of my forbearance period, I contacted my lender, PENNYMAC on several occasions to discuss my repayment options, despite being told someone would reach out to me XXXX  days in advance. I finally spoke with my assigned representative, on my own accord, not theirs, and we came up with the terms of my repayment program, an additional {$1000.00} per month for XXXX  months. I began this repayment program in XXXX  and have fulfilled my payments to date. 

I went on to routinely check my credit score, as I typically do, to see my credit had dropped XXXX points. I have always had good, if not excellent credit and never a derogatory remark so this was a shock. I then see it is because PENNYMAC had reported me delinquent. I spoke to several representatives who all told me the same thing, theres nothing they can do. As soon as someone comes off forbearance, they are reported delinquent, despite participating in the repayment guidelines that THEY set forth. 

Why would anyone who was properly informed, agree to a XXXX  month reprieve of paying their mortgage in exchange for years of credit rebuild? My assigned representative did not in any way notify me that this was the consequence of applying for aid after a natural disaster. 

I know XXXX  forbearance is not negatively reported due to the CARES Act. Is there nothing that protects consumers from a natural disaster?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've recently began the process of purchasing my first home for my family. Upon retrieving and reviewing my credit reports, I 've noticed 2 collection accounts listed from Portfolio Recovery Associates. After researching this company on the Georgia Secretary of State website, I 've discovered that Portfolio Recovery Associates is not licensed in my state. Also, I 've never had any contractual agreements with this company. The unlawful collection practices and negative reporting of Portfolio Recovery Associates is extremely detrimental to my home buying process, which is causing major delays. This reporting is preventing me from purchasing a home for my family. We are on the verge of being HOMELESS. I 'm truly disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i called them on XXXX XXXX 2015 and said i need to do a voluntary surrender of my vehical. so they started typing on their computer.. they then said i need you to do a recording i said no i dont need to do a recording to do your surender. I said why? i just told you thats what i wanted to do. so i hung up.. they called since then since today 224 times.. and i have talk to them.. now they are harrasing me every time. my last phone call was well its your loan, you need to pay it. thats what i was told. i said do you ever look at the notes yes i do ... so you want to surrender the vehicle? i said yes they said hold on ... well its been 75 days past due how do you want to pay..i said what are you talking about.. i said if you really read the notes you would knwo that i said i want to surrender the truck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX hit California and my son was enrolled in XXXX XXXX XXXX XXXX  and the University shut down and the students were sent home. XXXX XXXX XXXX  took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX 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 2022-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX XXXX {$630.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a letter from collection agency stating they would request deletion of the file. The collection agency could not present information I requested and made the business decision to request deletion of record. I forwarded their letter to XXXX, XXXX and Experian. Both XXXX and Experian has refused to honor XXXX decision.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: FL
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 contacted banks directly to review negative items listed on my credit report. Corrections and payments were made directly with the banks but, the items still appeared on my Experian account well after they were removed from the other two credit bureau accounts. I disputed with Experian but, the results were that " no changes '' could be made and I was not permitted to dispute again because they were already disputed. 

The rating seems arbitrary and decreases without reason. Following the guidelines as stipulated by the credit bureaus individually, I reduced usage to below 1 %, removed all credit delinquencies, make all payments on time, cleared ALL debts, and the last missed payment was over 3 years ago. The more I abide by the stated rules, the lower my credit score trends ... almost daily and without any changes to the items on my credit report. Experian has yet to provide an explanation for this downward trend. 

Following the rules has diminished my credit rating. But, lucky me! If I sign up for another credit card through Experian 's referral service, I just might improve my credit rating.

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 2017-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I told them I have XXXX. They supposed to do there job and didnt do it still charg me.

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 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
On XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 to the CEO of Bank of America XXXX XXXX XXXX XXXX Included with my remittance coupon was a remittance letter stating that I was aware that Bank of America has been double dipping on my payments, XXXX being from my personal bank account through an electronic payment method and the other via my XXXX XXXX XXXX trust named after myself. The remittance coupon IS the payment that Bank of America is using to access the funds in my trust AND they were taking my hard earned income. 

The coupon is the negotiable instrument, per UCC 3-104 and by definition from XXXX 's XXXX XXXX, which was accepted by Bank of America via the Postal Rule and was received by XXXX XXXX on XX/XX/2022. The value of coupon was written " Full Balance '' for the total sum of {$7300.00}. Included on the money order was this hand written information : UCC 3-603 and UCC 3-311 . 

I called customer service on XX/XX/2022 noting that my balance had not been discharged for the above mentioned amount. I was shuffled to XXXX different individuals who could not provide remedy to my situation. They did state that they could not find my payment and would open a case. The case # is : XXXX. 

In addition, on XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 and UCC 1-308 to the payment processing center in XXXX, Texas. Included with my remittance coupon was a remittance letter stating the definition of a coupon per XXXX 's XXXX XXXX. The definition states : A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Once again, I called customer service on or thereabouts XX/XX/2022. And again, the customer service rep could not find my remittance coupon which was converted to a money order via my beneficiary signature without recourse. The value of coupon/money order was {$5000.00}. 

The coupon/letter was received on XX/XX/2022 by XXXX XXXX XXXX Included on the money order was this hand written information : UCC 3-104, UCC 3-603 , UCC 1-308, UCC 3-419, HJR 192, 12 USC 411, and 18 USC 8. 

To this date my balance has not been discharged for the above mentioned amount. I have tried on XXXX separate occasions to pay and/or discharge my credit card account via acceptance for value using the attached negotiable instrument, the coupon.

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 2020-04-18
Company: EQUIFAX, INC.
State: GA
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:
My husband and I submitted an application to refinance our home on XX/XX/XXXX. Our loan officer notified me on XX/XX/XXXX that he was unable to get my Equifax score and could not continue with the loan process until he could get it. On XX/XX/XXXX I called Equifax for the first time to resolve this issue because since I wasnt able to retrieve my score or report on their website. Their automated system told me that they couldnt find me after I entered my social, birthday, address number and zip. The line then immediate says goodbye. I emailed customer care, I have called back at least 3 days a week, and I mailed them a dispute with all of my identifying information on XX/XX/XXXX via certified US mail. They received it on the XXXX. On Monday, XX/XX/XXXX someone named XXXX with Equifax customer care returned my email and told me that my case was escalated and someone would contact me by XX/XX/XXXX. No one called or emailed me to resolve this issue. We are at a standstill on our refinance because Equifax will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments and rolled it into my loan. I received the check somewhere in XX/XX/XXXX/XX/XX/XXXX XXXX to payoff Toyota Financial Services for the rest of the lease. I turned in my lease to XXXX in XXXX XXXX a few days after I purchased my XXXX. XXXX kept taking out the lease payment and the gap insurance each month, roughly {$330.00} total. They stopped the payment in XXXX. They had tried calling but I did not want to pay out the remainder of the lease until I received a bill. I never received XXXX. I am buying a house. My credit as of XXXX XXXX, XXXX was XXXX. My loan was approved for 5 % down between 4-5 %. I have been working with a broker to get my score higher. My credit showed a balance from Toyota for {$280.00} ( on-time payment ) as shown in the report attachment dated XXXX/XXXX/XXXX as the last line item. You will also see my loan from XXXX. My broker instructed me to just call and pay Toyota to clean up my report. I called to pay the {$280.00} and the representative asked what made me think I only owed {$280.00}. I said because it was on my credit report, even as an on time paid account. They told me no, that the balance was now {$5000.00} ( the date I called was XXXX XXXX ). They said they sent the letter out XXXX. I received the letter in the mail on XXXX XXXX. As of XXXX XXXX ( the day I called mind you ) according to XXXX ( see attached screen shot ) my credit dropped from XXXX on XXXX XXXX to XXXX as of XXXX XXXX. Toyota reported the {$5000.00} charge as a charge-off. Now, this is showing as a late payment the first time in over 80 months of my credit history and is coming between home ownership and myself. With my credit rating dropped, I am unable to afford the high percent rate of the loan and 10 % ( from 5 % ) down payment on my new home, scheduled for closing XXXX/XXXX/XXXX. I am supposed to close XXXX XXXX and all was set until Toyota messed up my credit rating just days ago from a lease that I turned in early, approximately XXXX XXXX from the end of lease date of XXXX/XXXX/XXXX. I want this taken off my credit report so I resume buying my house with the terms that were set in place with my mortgage approval. I have spoken to more than XXXX representatives in the past 3 business days and all I get is we are researching it and if Toyota made a mistake, they would credit the account and then take it off the report ... but no one is working on it or calling me back. I demanded they take it off my credit and received no resolution. I am on a tight timeline with my Purchase and Sales agreement and no one at Toyota is responding. Please see attached docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CURO Intermediate Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
( XXXX XXXX  XXXX XXXX calls every day XXXX once XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed an identity theft FTC report due to wrong information on my reports. After many months of trying, I am seeking your assistance because no one is helping me.

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 2022-05-20
Company: Genesis FS Card Services, Inc.
State: NJ
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 fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Feb destiny, has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation