BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Uplift, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I use the travel agency uplift.com. when XX/XX/XXXX of 2022 I called in to pay my bill for XXXX and XXXX. After having a brief conversation on the phone with the representative as he was confirming my identity and taking my information to pay my bill, later that evening I received the text from an unknown number which turned out to be the representative that I spoke to at this company. This representative took it upon himself to take my telephone number off my application and reach out to me for his personal gain. After letting him know that he should not have reached out to me I googled his area code and he lives in the same state as I do. That alarmed me I have been petrified ever since. I have since went and brought some kind of protection from my door, I also went to start the process of getting my license to carry a concealed weapon. This situation I feel that it is harassment, it has me nervous all the time, I'm always watching my surroundings, and I just do not feel comfortable in the place in which I reside anymore. This representative has access to my address as well as my social and of course my telephone number. I am no longer comfortable where I live and have been residing for the last 3 years. I'm hoping that someone can help me with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: IN
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:
Navient has failed to validate these accounts on my credit report. As seen by several attempts, Navient has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to Navient & Sallie Mae asking for an instrument of indebtedness.Both Navient & Sallie Mae have failed to respond correctly to each of these letters. Sallie Mae never responded and Navient responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

Navient is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas XXXX, XXXX  and XXXX  ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO NAVIENT AND SALLIE MAE AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

Navient is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a store credit card with Old Navy. The card was transferred to a different bank backer without my knowledge. The associated bank when I first got the card was 'XXXX  ' and it was transferred to 'Barclays ' XXXX When this transfer happened the balance on my card was automatically transferred to the new bank, however my existing auto payment was cancelled against my knowledge. This meant that I missed a payment and incurred late fees and a significant hit to my credit. I had sufficient funds to make the payment, but it was never made because my credit card issuer chose to change banks. This is not my fault.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2022-09-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 ; I purchased two XXXX watches at XXXX XXXX XXXX store located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. The total amount of the purchase is {$93.00}. The funds was withdrawn from my checking account I have with TD bank. However, on XX/XX/2022 another transaction in the amount of {$37.00} was posted to my checking for the same purchase. I called TD bank and explained to one of the account ; the funds of {$93.00} was taken from my checking however, I can not find the transaction in my checking account history. I was told by the accountant sees the transaction of {$93.00} however it was taken off. The accountant couldn't explain why the funds {$93.00} was withdrawn then taken when there is a balance of {$110.00} in my checking account and a balance of {$84.00} in my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were approaching 80 % of o ur LTV thr ough  XXXX , our previous mortgage company, which told us through their amortization schedule that at {$190000.00} we would be at 79.9603 % and under the 80 % required to drop PMI. Around  XXXX  of  XXXX  our mortgage was bought out by  Specialized Loan Servicing. Alth ough we have been paying ahead of schedule, they have never sent us an amortization schedule even after we have requested it. On  XXXX   XXXX ,  XXXX  we inquired about the removal of PMI for our mortgage, since on  XXXX   XXXX  we paid down our mortgage to {$190000.00} and below 80  % of our LTV wh ich  XXXX  Mortgage and  XXXX  agreed was our init ial LTV rati o. Whe n SLS ( Specialized Loan Servicing ) too k over our mortgage they never sent us an amortization schedule. After receiving the email they claimed that we were not at 80 % and needed to prove our house had not lowered in value by signing papers to have SLS charge for a BPO/Appraisal for up to {$800.00}. They then told us we were not at 8 0 % LTV because instead of using the original house appraised value or the sale price they claim and are continuing to claim that they are allowed to use the original loan amount as their LTV base number. The appraisal price was {$240000.00}. The sale price was {$230000.00}. The original loan amount was {$220000.00}. We paid 5 % down on the house and SLS is not including that into their calculations for LTV. This is elementary math. How can a mortgage company run with em ployees that can not do elementary math. They have since charged us 3 months worth of PMI at {$88.00} per month claiming that we are not eligible to remove our PMI. We have since sent another email on  XXXX   XXXX , again asking for PMI removal. They did not respond, when called later they claimed that they assumed the " issue was closed ''. On  XXXX   XXXX , we provided evidence through a fax, that we have met all requirements necessary from our mortgage company to remove PMI, we also included a real estate market comparative analysis/BPO that our house has not only maintained its value but increased in value by 8.5 %. They did not respond. Again we followed with a phone call and they continue to argue that we are not at 80 % but believe we are at 82 %. Our current loan balance is {$180000.00} or 79.71 % of the original sale price of {$230000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I closed a refinance loan with Quicken Loans. During the process Quicken Loans estimated my taxes incorrectly. They based the tax amount to be paid on the taxes which were paid during the previous year ( XX/XX/XXXX ).  This proved to be a huge error as my home was a new-build during the previous year and the tax rate was significantly different.

On XX/XX/XXXX, I received a letter from Quicken Loans informing me that I was required to pay {$4500.00} to their company as a result of " changes in my taxes or insurance ''. Quicken Loans gave me the option of paying a lump sum for the full amount or dividing the amount into 12 payments which would increase my mortgage by {$640.00}. The increase in payment was to begin on XX/XX/XXXX. Since that time, I have spoken to several Representatives at Quicken Loans XXXX XXXX   number. The only other option I have been offered is to spread the amount 24 payments. I have reluctantly agreed to after much discussion, debate, and dispute. I have offered their representatives many different solutions, all which have been denied.

Even after spreading the shortage amount over 24 monthly payments, I am still going to have to pay approximately {$450.00} more a month on my mortgage. I do not feel that my family and I should have to experience the hardship created by the error Quicken Loans committed. Especially since the tax rate in my city and county can be easily figure it out by running a simple XXXX search.

I also feel cheated as the huge difference in payment lured me to refinance, which resulted in my agreement to pay unnecessary refinancing fees and costs. I even wonder if Quicken Loans Representatives used this error as a tactic to entice me into their fees.

I am hoping that you're Bureau can assist me with this matter as I feel that I may experience a very extreme financial hardship due to the above error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX, GM Financial, received a check for the pay off for my vehicle. Stated that they needed 48 hours to process a pay-off letter after the check cleared the bank. Let them know that I needed this letter just as soon as possible as I am trying to purchase a home and my mortgage broker needs it. A week passes by and I call to get said letter. Stated I would have it in 2 hours. Call that evening, stated that I was told wrong and they needed another 48 hours. Call daily for the next week with the same story. Then I am told that they can not send me a letter via email ( I was never told this they kept telling me they would email it over ) because the loan had been closed out. We play phone tag for another week as I am waiting for them to send me said letter via fax. Yesterday, XX/XX/XXXX, I called and was told that every one of those requests were DENIED because I had to wait 30 days until the check was past the timing that a check holder could cancel the check. Stated that on XX/XX/XXXX I would be able to get the letter. I called XX/XX/XXXX and they stated that they were now waiting on title paperwork on this vehicle. 

My point is, this is the absolute WORST customer service. No one knows their regulations, rules or what-have-you. This is the biggest disaster I have ever seen in my life and if I had done my research before I accepted a loan with GM Financial- I  would have ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the XXXX XXXX XXXX XXXXXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXX Networking. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXXXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call about a year ago from this company called Portfolio Recovery asking for someone NOT ME!!!. I said to the gentleman " I am not that person " to this day every day without fail I still receive a phone calls everyday from this company. I try to ignore them and report them as spam but they still call under a different area code and different number but the same name Portfolio Recovery. I do not owe anyone a dime in my life. I pay off my credit cards every end of the month in full payment. I pay all my bills. I have a credit score of XXXX and I have never had ask anyone for money Thanks be to XXXX. 
Anyway, I have told these people on more than one occasion that I am not the person they are looking for and they still continue to harass me. Please make it STOP. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An American Express business card under XXXX XXXX XXXX XXXX was opened without correct tax ID and is being reported as delinquent under myself personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this 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 2021-05-12
Company: Chime Financial Inc
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was solicitated by a company based out of California called XXXX. This is what a representative of XXXX said in a voice mail left to me. " Your student loans can be forgiven. Hurry and call back because it's a first come first serve basis. '' When I called the representative for XXXX claimed they could help me with my student loans. 

Because of the Pandemic and my being unemployed I was worried as to how I was going to make the payments on my loans. On XX/XX/2021 I signed an agreement with XXXX. They agreed to do the following for me. This was on page 6 of the agreement I signed. 

Scope of XXXX XXXX XXXX Hereinafter referred to as XXXX XXXX  representation of Client ( XXXX ) is limited to the following services : Service ( s ) : 1. Loan ( s ) will be placed on hold for 3 months on an administrative forbearance while processing your student loan consolidation XXXX no student payments are due during this time ) 2. All 6 loans will be consolidated into one account, resulting in less interest accrued. 
3. Lower interests and one payment will be applied under the Revised Pay As You Earn ( REPAYE ) program. 
Service Agreement Client Signature I hereby confirm and authorize this Service Agreement with XXXX XXXX XXXX and all guidelines and restrictions set forth herein : Client Name Client Signature Date XXXX XXXX XXXX SIGNATURE } { SIGNDATE } Everything listed on page 6 had already been done as of XX/XX/2021 by the Federal Government when they passed the Cares Act. XXXX was claiming they were going to provide a service that the Federal Government had already provided to folks who already had federal loans. 

In my agreement with XXXX I agreed to pay {$110.00} cents over a five month period. The payments would be made with my Chime Debit Card. I made two payments to them with my Chime Debit Card when I discovered that XXXX had falsely claimed they had provided the services I listed above. I immediately requested payments to stop, and a refund of the two payments I had made of {$110.00} be returned to me. XXXX stopped payments, but refused to return the two payments I made. They claimed they were charging me for paper work they had to do on my behalf. I made several requests for copies of the paper work that had been submitted on my behalf, and they continually ignored me and sent nothing. 

Because my wife is the card holder of the Chime card that was used, she lodged a complaint with Chime explaining why we were trying to recover the two payments made to XXXX. Chime could not recover the two payments made to XXXX. 

My claim comes down to this. XXXX did not provide the service they claimed they would per page six of the agreement.

Company response to consumer: Closed with explanation