BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2022, Transunion - I noticed several inquiries on my Transunion credit report. I did not give these companies PERMISSIBLE PURPOSE to my credit report. I have attached my most recent credit report and highlighted the companies that I did not give permissible purpose to veiw my credit report. The name of these companies are : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Harassing phone calls multiple times per day from Citimortgage even when my payment is not late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my auto loan with USAA with my father as co-signer in the auto loan. As part of the part I add extra insurance called a Debt Protection Coverage which covers if I or he become XXXX and/or dies the loan is paid in full after the 30 days waiting period. There was clause in the Disclosure of the Coverage that the only way that the coverage could be canceled is that the primary ( me ) dies or that I submit in writing that I want the coverage canceled. Unfortunately, my father passed within shortly after the signed that contract with USAA. My family and I received condolences from USAA and thanking us for my father service in the military. They requested a copy of my father 's death 's certificate. Of course, we complied with the requested because at the time it seem that financial institution request an official copy of the death certificate. In the process without any notice, USAA cancelled the Debt Protection Policy on the Auto Loan. I did not send in any document to try to active the policy on my father behalf this was some that they did on their own. I have contact their numerous times requesting documentation on why the policy was fraudulently cancelled and I have been hung on or place on hold for over 1 hour and half. I 've even went into the bank to the teleconference banking and they refuse to send me the documentation as why the policy was fraudulently cancelled. Since the cancelation, I have been diagnosed with XXXX and been XXXX by my condition. This situation is ruining my credit and should not have happened because USAA acted on the account with my knowledge and still will not provide any documentation as to what the damage that they did to the loan/contract agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested an electronic pay off statement from S.N. Servicing Company and S.N Servicing Company has not sent the pay-off statement. The attached let claims that they mailed the pay-off statement and I still have not received the electronic pay-off statement I requested. My original request was for an electronic pay-off statement to be included in their response because I would like everyone to know about what SN Servicing Company has sent me in the past. How am I going to sell my house if I don't get a pay off statement. I am requesting an electronic pay-off statement for XX/XX/2021 so I can try and get what is needed together to sell the house. I have attached the letter that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2016-12-20
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. 

I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. 

I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
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:
Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, Equifax, XXXX, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, contracted with Penny Mac, which is in XXXX, CA and is not an institution, but a whole sale, only. This Penny Mac is a servicer and has been my nightmare since, XX/XX/2009. They have committed the following against me ... forgery, theft, threats, extortion, threats to foreclose, destroying the church checks, false allegations, mailing me a fake check, etc. They are savages and predators and extreme action needs to be taken. Again, I submitted another church check for {$240.00} for XX/XX/XXXX and my check for XX/XX/XXXX and my check cleared and they are claiming I did not pay for XX/XX/XXXX, either. Now they have me in foreclosure, due to their repercussions. The church is devastated, as this goes on every year and I have to battle with this Penny Mac. XXXX, is totally responsible for everything that has occurred against me. Then to top it all, now I receive a bill for two cents. Let them try to collect. The check for XX/XX/XXXX is the XXXX check. All they do is destroy the evidence. This is a yearly ritual with them. 

The rage, depression and the migraines that these predators have caused me has been endless. I could go on and on. This has been years of XXXX. The only services that are offered, which are none, are blood on their hands and they speak with fork tongue. 

The are anti social and savages and their are numerous law suits against them. 
Today, I open my mail and after a month, they have the audacity to mail the church check back and now they want me to send them certified return receipt monthly? In their nightmare, they will. I have been in contact with legal and we will see them in court. The war is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Rightpath Servicing ( XXXX XXXX XXXX, XXXX, Tx XXXX ) during XXXX of this year from XXXX XXXX XXXX I had {$1900.00} in my escrow when my loan was sold in XXXX. My homeowners insurance has always came out of escrow. ALWAYS for 20 years. I don't know what happened when my loan was sold but my homeowners insurance was not paid in XXXX of this year when it was due. My homeowners insurance was going to lapse because the mortgage company never paid it despite me and my agent sending in several invoices to them. This has caused me to have to pay my insurance out of pocket for the past two months, which is an additional burden. I have attempted to contact Rightpath for the past 3 weeks at their customer service number of XXXX. A automated person will answer and ask for identifying information, then it will say " let me connect you with customer service ''. Then no one EVER picks up the call. After 20 minutes or so the call will just disconnect. I have 18 screen shots of calling the customer service number for the past 3 weeks and I continue experiencing the same issue. I have emailed Rightpath as well and received a note in my account saying they received my " ticket '' from XX/XX/XXXX yet they have done NOTHING to update my escrow or pay my homeowners insurance. Plus the entire time you can not reach a customer service representative on the phone. My insurance agent has experienced the same issue. I would like to file a formal complaint against Rightpath and I need someone to help me resolve this issue. I do not know where my escrow money is and why no one has contacted me to this date. I did NOT give anyone permission to change my escrow and I have continued making the same payment amount the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have contacted Portfolio Recovery Associates located at XXXX XXXX XXXX. 
XXXX, VA XXXX via certified mail on several occasions requesting that they validate a debit currently being attributed to me. I have requested the following : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Agreement between your company and the original creditor that authorizes you to collect on this debt However, they have failed to provide me with any of the above with the expectation of printed statements which does not confirm that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX- credit card payment agreement ended without our knowledge at comenity ideal. 
I had {$1900.00} left on my agreement and then was charge and extra of {$1800.00} making the totally be {$3700.00}. 

-never received a letter, a phone call, or anything in regards to this happening soon. Statements would not load or appear on mobile safari search as well. 

XX/XX/2020 ( XXXX XXXX ) - I noticed the issue and was unable to contact anyone due to the holiday. I tried making the payment of {$1900.00} to assure the 3 day grace period, which I was told was allowed prior to this. The process was successful according to their website, but I never receive a confirmation email. 

XX/XX/2020 ( Monday after the holiday weekend ) I tried again to make the payment and the same thing happened. The website said it was successful, but no confirmation. I called the company and got no where in 3 hour phone called and talking to 7 different people. To start, my name on the credit card account was incorrectly put in wrong on their end making it impossible to verify my account to them. Also, the phone number was totally incorrect on their end as well. One person said they could give me a {$50.00} credit, but that was it. They transferred me to someone else and they said their was nothing I can do and that I would have to pay the whole thing. I admit I should have been on top of my account, but also dont think I should have all that extra interest rate if we tried to contact them within the three day grace period that they offer. I was never late on a payment and I think its ridiculous that they wont credit some of the charge if not all of it. 

On XX/XX/2020, I posted a payment again and this time I receive a confirmation email but the payment never came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Good evening, I pulled my report on XXXX XXXX saw a collection from Convergant Outsourcing For a suppose debt of {$1100.00}, I send them a letter to ask for validation of debt with signature to see if there was a signature belonging to me never heard from them nor it was marked disputed in my credit, then in XXXX XXXX, send them a certified mail witch I have signature prove that they receive it on XXXX XXXX sign by a XXXX XXXX they have never sent me any validation of debt, it was marked disputed on credit, then today I happen to get a notification from my credit that something updated and sure enough was the same company marking that suppose debt as unpaid, why they going mark it as unpaid when there is an investigation going on, and 30 days has n't pass for them to mark it from disputed to unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-01-05
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: Problem with personal statement of dispute

Complaint:
I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the TRANS UNION CREDIT REPORTING AGENCY is not removing one fraudulent account from XXXX XXXX. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from XXXX XXXX. 
Unfortunately, Trans Union is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.

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