BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MA
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:
There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. ( XXXX XXXX XXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the seven year reporting period has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a co-signer and make notations on each payment stub the allocation and additional funds to be applied to the principal. Navient once again, misapplied payments. Total amount paid for XXXX which they received XX/XX/XXXX 4 bills ). Loan # XXXX paid XXXX they applied {$330.00} XXXX ; # XXXX paid {$150.00} they applied XXXX - {$100.00} ; # XXXX paid {$200.00} they applied {$100.00} - {$100.00} ; # XXXX paid {$120.00} they applied {$92.00} - {$30.00}. The misappropriation of loan # XXXX caused additional accrual of the awful interest algorithm linked to student loans. Each month I write explicit directions on each payment stub and the total amount paid across the four loans. I also take photographs of stubs and check. The deregulation of student interest rates in XXXX continues to add to the coffers of Navient/Sallie Mae adding life long stress to their underemployed student borrowers and their co-signers. I have been going through these struggles since XXXX and advise all to never take out private student loans. I learned of the deregulation after much research in XXXX. Had my sons and I known of the deregulation, they would have attended local state schools avoiding these horrific interest rates and the consumer manipulations of XXXX year old borrowers. In addition, the principal is a combined original loan and left over interest from Sallie Mae ... rolled into a new principal that Navient charges interest on. Very manipulative and sneaky. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I heard a radio advertisement for XXXX and how easy it was to get a {$5000.00} loan with challenged credit. At approximately XXXX on XX/XX/21, I entered in my personal information including social security number, bank information. I immediately got a phone call after applying on their website. After speaking with a rep from XXXX I was transferred to a Lexington Law rep with the email address of : XXXX. In speaking to him ( forgot name ) about the {$5000.00} loan, he stated he needed to " run my credit '' to get an answer. I approved this thinking that I would soon get a decision. He soon started talking about the negative items on my report and how his company Lexington Law could get them fixed ( no promise made ) so that I could possibly get approved for the {$5000.00} loan from a company called XXXX. I listened and thought it was legit, I gave him my credit card number and everything and he deducted {$4.00} for the credit pull. He then said it would cost me {$100.00} up front off my card to start the initial credit repair process. It would cost me {$120.00} after that, every month, until I wanted to cancel. 
I feel I have been scammed and I am cancelling my contract with them after I submit this complaint. 
I hope this helps the lawsuit and I am happy to speak with someone about it. I will have evidence of the account I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, Recently I have noticed several new negative accounts added to my credit report. The accounts are listed as " Trident Asset Management ''. The address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( see attached ). I am unaware of these accounts and mailed a letter directly to them requesting validation. Today I received notice that " My item is undeliverable and will be returned '' ( see attached ). Please let me know if there is any additional information you need in order to process this request. Additionally, I will upload a photo of the returned letter when it arrives at my address. Thank you for your help in this matter. 


Additionally, I was never informed of these alleged debts and never received a notice of right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX XXXXXXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}

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 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry date : XX/XX/2020Removal date : XX/XX/2020 Bank installment loan I went to XXXX in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.

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 2015-12-04
Company: Paypal Holdings, Inc
State: NH
Product: Credit card
Issue: Transaction issue

Complaint:
I use PayPal to pay for purchases I make on EBay. My PayPal account is set to default to my linked bank account, and has been set this way for years. Today, I noticed that my default had been changed by PayPal without my knowledge or authorization to go through PayPal credit, which I neither requested nor wanted as there was plenty of money in my bank account. Now PayPal is making it difficult for me to pay my bill, as the payments are still " pending '' and there is no way to pay online. I am afraid that I will be forced to incur high interest and default fees for credit charges I did not request and which were not authorized by making it impossible for me to pay my bill promptly ( as they have a policy of putting you in a " credit loop '' which allows them to hold your payments until after they are due. ) I see many other people online complaining about the same unfair and deceptive practice. This needs to be investigated. As soon as I am finally able to pay my bill, I will be closing this unwanted PayPal credit account - hopefully, that will be an end of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hey I was inquiring about an issue that I have with Chase Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hurt on job XX/XX/XXXX. Fired XX/XX/XXXX ( Performance ) Never been in trouble. 
Collecting workmanship comp. After 7 months of NO PAY. 
Flagstar is the Lender on a VA HOME Loan. 
In the process of rectifying issue. Need to Refinance lower interest rate. Always Way too High. XXXX never explains anything to me. I paid 6 moths of low payments NEVER late!! Bad credit report and they never even gave me options. I have equity in my home. Should I not be aware of my choices? I receive money and pay them whatever they say, Ive never been in such a place. Im a hard working veteran WHO got hurt was fired and having XXXX soon. Can someone help me and explain it all to me? Can I call another lender? Am I allowed to use whomever I want?

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 2016-06-29
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus. 
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late. 
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part. 
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: NV
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:
Please reference Complaint # XXXX -- -- -- I have attached additional errors found on my credit file regarding ( XXXX XXXX XXXX XXXX - Account # XXXX XXXX ) as shown on the attached documents, the available credit is currently reported as $ XXXX when in all actuality it should have been reported as {$0.00} available. Going by this notion, this would indicate that the sum {$400.00} dollars is available ; however, this is incorrect since the charge off balance is currently reported as {$10000.00}. This is an unmistakable error that warrants a full account deletion, not to mention there are missing data for high credit, date of last activity, and the date of last payment which is reported as XX/XX/XXXX but as you can see by my credit report/credit summary that reports no data and referencing the document I've attached which was provided by EQUIFAX online. In addition to having missing data reported, the previous months of reporting are not entered correctly are are out of sequence, whereas, XXXX thru XX/XX/XXXX they are all reported as 60 days late which can not be possible. These and similar reporting errors by Equifax are a consistent issue which I have faced over many decades and still continues to violate the Fair Credit Reporting Act. I ask that the Consumer Financial Protection Bureau intervene having been given broad powers by the the United States Congress and other governing body to oversee the accuracy of information and fair trade pertaining to all American consumers. Having said that, I formally ask that this account be DELETED and removed from Equifax credit reporting database and any other credit repository which they may have or or potentially share data with. Thank you for your help concerning this matter. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a PayPal account. It was linked to a Bill-Me-Later credit account. I eventually was unable to pay the Bill-Me-Later balance, so the account went into collections. I paid a small settlement and the remainder was reported to the IRS as a forgiveness of debt. This was a couple of years ago. Now I have decided to close my PayPal account and they are refusing to close it because of the charge-off they have recorded with Bill-Me-Later. I do n't care if they keep a record of the Bill-Me-Later account, but I want my PayPal account closed completely. They have said they can block all access to the account, but that they can not close it. I 'm sorry, but that 's unacceptable. I want nothing to do with PayPal. Again, I understand they need to keep the record of the settlement with PayPal Credit, but these are XXXX separate entities, one providing online financial transactions and the other providing credit services. They should be able to be unlinked for the purposes of closing a PayPal account. 
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are selling our home when we first bought the home in XX/XX/XXXX we got a first ( {$210000.00} Citi Mortgage ) and a second ( {$52000.00} Citibank ) on the home. A few years later we went into financial hardship and filed chapter XXXX BK and also went through a loan modification XX/XX/XXXX-XX/XX/XXXX. During this period our second on the home we thought was included in the loan modification because we never made any other payments to Citibank/ Citi Mortgage.over the next 11 years we have built up our financial portfolio and we are now a strong credit worthy couple. We are attempting to sell our house and move closer to grandkids. During the process it was discovered that our second from XX/XX/XXXX with Citibank/ Citi Mortgage is still out there or it may have been forgiven during the time period under the Obama administration. We do not have any paperwork in regards to anything for the second deed of trust. We have all of our taxes from XXXX to current and the last year we have a 1098 on the second is from Citibank/ Citi Mortgage XXXX. In XXXX we only have Citibank/ Citi mortgage XX/XX/XXXXon our first deed of trust. 

Since we discovered the issue of the missing second deed of trust we have placed phone calls with Citibank/ Citi Mortgage , XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX All companies in which the loan had been sold to over the years. This paper trail is from the first mortgage only. None of the companies listed above have any documentation of the loan, or me in their system. 

We contacted our attorney and requested all of our paperwork for our BK. The second deed of trust is listed in the paperwork as a asset or debt on the home but it was not included in the chapter XXXX BK. Citibank/ Citi Mortgage does not have a customer service for passed or lost deeds so a written request was submitted to their legal department with no phone number to follow up with. As of this writing we have not heard back from them. We have spent countless hours trying to find out any information on this missing note. We are more then willing to pay it off if we owe it. We desperately need someone's help in getting us in contact with someone from the legal department of Citibank/ Citi Mortgage. We want to resolve this issue so we can move with our lives.

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