BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Ive sent two dispute letters to investigate inquiries that are unauthorized to remove them or provide proof with my signature that I requested credit from these alleged creditors. Its been over 60 days and nothing has been removed nor have I received proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted the student loan servicer, Navient, several times over the phone in good faith to fully understand my income-driven repayment plan ( REPAYE ) and associated loan forgiveness. I spoke to at least three ( 3 ) different representatives, and each had varying answers to my questions, including basic information like start and end dates of my repayment plan. Finally, fed up with the ever changing information supplied by Navient, I asked them to email me answers to my questions. However, they declined to put anything of substance in writing. I am formally filing this complaint to make you aware that Navient is intentionally refusing to supply important and necessary information about my student loan, including forgiveness terms. I have nothing in writing to assure me that my loan will be forgiven at the end of the income-driven repayment term. I don't even have a straight answer on when the term started and when it is supposed to end. Navient is making it absolutely impossible for hard working individuals like myself to plan a healthy financial future. They are setting people up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CMG MORTGAGE, INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I see that you recently shut down XXXX XXXX for the exact same things my mortgage servicer, CMG Mortgage, is doing to me. I have been given the run around by them and there is a scheduled sale date on my property for XX/XX/XXXX. I have never had a review for mortgage assistance go through a full review, even though I sent them all the documents they wanted. I went through some difficult times, but now have more than sufficient income to afford my payment. CMG Mortgage wants the full reinstatement amount or they will take my home away. I feel that they should have done something to help me rather than just sell my home and sweep the matter under the rug. I am certain that my loan qualifies for one of the modification programs available to homeowners. I have been in my home for 13 years and received a terrible loan that caused me to struggle financially from the start. Due to significant health issues and, in large part, to the high mortgage payment, my finances were on rocky ground since loan origination. Then I suffered a further setback emotionally and financially when my brother and mother died. They were helping me with the mortgage payments and this further exacerbated my financial situation. I refinanced the loan in XX/XX/XXXX, but then suffered an XXXX   and fell behind on my mortgage payments. I reached out to the CMG representatives and they advised me that they would help me with my delinquent mortgage. I began the loss mitigation process with and sent in all the documents they requested. However, they never completed a review even though I had all the requested documents and I am not sure why my loan was not approved for a modification. I am not sure where I am in the process, except that I have a sale date scheduled on my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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 have been disputing an account that does not belong to me since XX/XX/2019, and all the other credit reporting agencies removed the account except Euqifax. I even contacted the creditor who is reporting the account directly. Yet and still this account remain on my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
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:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by 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 explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: MI
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:
InXXXXofXXXX,Ibegantoreviewmyannualcreditreport.Atthistime,IbegantonoticeseveralinaccuracieswithmystudentloansservicesthroughXXXX.Fromthattime,therehasbeenover27changesregardingthebalanceaswellasthepaymenthistory.Atthistime,IamunclearofifANYoftheinformationfromXXXXisorhaseverbeenreportedandcalculatedcorrectly.Thishasmadeaverynegativeimpacttomycreditscoreandmyabilitytoobtaincreditfrompotentiallenders.Idonottrustthatanytheinformationhasbeenreportedcorrectly,or,thatmybalancetodateincludingthecalculationofinterestiscorrect.

Iamrequestingaformalinvestigationtakeplaceonmyaccount.Iwanttohaveallstatementsandledgersprovidedtomeshowingeachpaymentthathasbeenmadefromtheinceptionofallloans.IalsorequestthatIbeprovidedwiththemethodiswhichtheinterestisbeingcompoundedandappliedtowardsmyaccountfrominception,andaledgerindicatingthisinwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.

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 2021-08-03
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pls see complaint # XXXX. Home Point Financial has not as of yet refinanced mortgage loan. Last time I spoke to the loan processor who was handling my case ( 2 weeks ago ), I was told everything was all set and should be closing on the loan within about a week. Now I just received an email from the company stating that a new loan processor has been assigned. This person just informed me that some of the paperwork they have already requested several times and I have provided every time have expired ( including the rate lock ) and I need to provide yet again. She also explains to me that she will need to contact upper management to " see if '' they can override the rate and keep it at what was originally agreed upon, but had expired due to their delay tactics that has kept me in this process since end of 2020 costing me thousands of dollar in interest in process. I believe this company home Point Financial is purposely delaying this process for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with State Law. A default judgement was obtained without me being proper service, and a FIFA was issued against me and my property. I was sued in 2015, and a FIFA has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence for a third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two notices from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, confirming acceptance of overdraft coverage on account ending in XXXX. 
At this time, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, dated XX/XX/2022, a notice of exception holds on deposit amount of {$4600.00} account ending in XXXX. 
Once again, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, regarding checking account ending in XXXX being overdrawn for at least 10 days with a balance of - {$47.00}. 
I still thought it was some sort of a scam. 
I received a letter from Truist Operations Center XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding notice of closure of account. The letter stated if I had any questions to contact fraud management. I called that Monday XX/XX/2022 at about XXXX XXXX, I spoke with a woman name XXXX, and she asked me for my Social Security number, and she confirmed someone used my Social Security and Drivers License to open a checking account under my name. She said they did not have my email or the correct phone number. The bank told me they would investigate the matter and get back to me. 
I received a letter dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding returned Deposited/Cashed Item Fees. 
Since this incident, I put a freeze on my credit accounts. Got XXXX to monitor my accounts, called Social Security to let them know about my situation, and to make sure someone wasnt using my Social Security number for employment. I was told it looked fine. They also advised me to get a hold of the FTC, to let them know what happened.

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 2021-05-18
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. XXXX I was attempting to set up an account on Cash app for my new phone. As I was typing in the information an account with my married name popped up with a username very similar to an account that I already have. However, the account that I found was under my maiden name XXXX XXXX and my account that has been active since XX/XX/XXXX is under my married name, XXXX XXXX. I sent the fraudulent account {$1.00} so that I could prove it existed and not authorized and immediately made a police report with XXXX Police Department XXXX report # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit agency is reporting medical debts from a third party creditor. Its unlawful for a credit reporting agency to report a third party creditor on my credit file, only the original creditor.. I would like these accounts deleted off my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the past 90 days I have sent Information furnisher XXXX XXXX XXXX XXXX two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.

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 2020-04-17
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last three months, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get my mortgage company, Dovenmuehle, to consent to an easement across my property at XXXX XXXX XXXX, XXXX, Texas XXXX. The easement will not affect the use of my property as it is mainly under the road leading to the main property. Once Dovenmuehle found out that XXXX was paying me for the easement, they have demanded a payment against the principle of my mortgage. I only owe {$140000.00} against a property valued at over {$400000.00} but Dovenmuehle is now demanding {$20000.00} be paid prior to closing XXXX closing can not happen till they sign the consent ). They originally claimed the XXXX was demanding {$39000.00} be paid against the principle but have since offered to " settle '' for {$20000.00}. I do not have {$20000.00} to pay them, so we are at an impasse. The XXXX XXXX XXXX agent handling the easement acquisition has never heard of such a demand. If XXXX truly requires such a payment, why won't they accept payment upon closing? I feel like I'm being extorted for {$20000.00} for a consent that is costing Dovenmuehle nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Rocket Mortgage in XX/XX/2022. The loan was pre-approved and I purchased a home in XX/XX/2022. The house was supposed to close on XX/XX/2022. I was told by my broker on XX/XX/2022, the loan was cleared to close and that the mortgage closing team had contacted the lawyers to set up the time and place. this was a lie. The lawyers never received a clear to close or any contact. XX/XX/2022, I contacted Rocket Mortgage and they are not ready to close on XXXX XXXX. I was also told on XX/XX/2022 that the underwriters contacted my insurance agent XXXX times to change the effective date of home owners insurance to XX/XX/2022. My agent, XXXX, never received any contact from them. I changed the date myself. Throughout the process my mortgage broker has blatantly lied to me several times and delayed the loan due to errors by Rocket Mortgage. The latest is asking for a XXXX year residency history 3 days before closing. Information which they already had. I have contacted them to investigate all the problems and am awaiting a return call today on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Franklin Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX signed up a contract on recorded line. I was promised {$49.00} a month with free {$150.00} visa card and free XXXX XXXX XXXX for 1 year. The price would then go to {$64.00} the 2nd year. After signing up I was never sent the visa card and charged the FULL MONTHLY amount for XXXX XXXX XXXX instead of free.. I tried rectifying more than a dozen times with XXXX. They refused to fix the error and would not playback the recorded conversation when the order was placed. I went through upper management several times, they would not fix the error. I canceled my service and requested a refund, they denied the refund. I stopped payment and told them I would pay the promised monthly fee but XXXX said no. This was a BLATANT bait and switch and did not deliver the promised merchandise. Since then they have been sending creditor after creditor to try and ruin my credit. This time it is Franklin Collection Services who had once again reported an erroneous debt to the Credit Agency 's. I WANT THIS REMOVED AND THE CHARGE COMPLETELY ENDED!! I NEVER RECEIVED THE PROMISED MERCHANDISE OR SERVICES!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my account has been limited by paypal permanently without any reason.It says I will be able to get the money on my account after 180days passed. However, I noticed that Paypal has stolen my money, they transferred all balance on my account, that is, {$2000.00} USD on XX/XX/2020 to their own account without my permission and even no notification was sent to me. I got no idea what happened to my own money!!! Please kindly help me out about this. I really need the money to pay bills. I deserve to get my own money back. the email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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