BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage servicing company is Specialized Loan Servicing I ( SLS ) I Was given forbearance From XX/XX/XXXX until XXXX XXXX due to Covid pandemic. 
I started the payment from XXXX XXXX, XXXX and have been paying on-time ever since. 
Not XXXX payment has been late as of today, XX/XX/XXXX. 
I am working for the XXXX XXXX in Florida as XXXX XXXX with a yearly salary of {$88000.00}. 
Since XXXX XXXX, XXXX, I have been paying my monthly mortgage amount of {$2600.00} as it was before the start of the forbearance ( also verified by phone with SLS ) via cashiers check. The last payment was mailed, via return receipt, on XX/XX/XXXX for the month of XX/XX/XXXX. 
I have never been late in my monthly payments. 
SLS has required full payment amount of forbearance which is close to {$49000.00} since after the end of the forbearance period. 
Regardless of months of following their instructions and requirements for paperwork they kept saying I do not qualify and offered me deed in lieu, meaning they want me to give them my house. There is over {$400000.00} equity in my house which is practically my retirement money. After initially disqualifying me for income and expense ratio, they reported me to the credit agencies which brought my credit score from XXXX down to around XXXX and in their final communications to me they disqualified me for any help because of my credit score. 
My question to your agency is that is this practice, right? They offered forbearance by choosing a number on the phone for over 3 or 4 times during pandemic and always said they will work with me at the end of the forbearance period.

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 2022-09-19
Company: Car Credit Solutions, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have a car with Car Credit of XXXX it is a XXXX XXXX the total price was just over {$21000.00} or something like that base off our credit report. we are at the end of our loan and 2 months ago we had {$1100.00} left to pay. our payments come out every two weeks in the amount of {$290.00}. after two months we still have over {$800.00} left. thats 4 payments totaling {$1100.00}. We asked for a break down of payments vs total amount and they will NOT give us that information. My husband was the first to ask and he is authorised on the account and everything but nothing. I put him on the account for a reason and they wont even honor that let along asking for a detailed break down. We feel like they are stealing from us and if we stop payments they will shut our ONLY way to work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
On XX/XX/XXXX I went into XXXX XXXX  to apply for an home equity line. The bank rep pulled our credit basically asked us why our credit scores were so low. To my surprise he said I had a XXXX. I had just checked my credit before going to the bank and knew I had a score in the high 600, s. The bank Rep. then questioned us about two late payments on a car loan we had paid off back in XXXX. He said he had to put a reason for the late payments on the loan application. This raised a red flag for me since the late payments were from XXXX, we paid the loan off in full and the account wasn't showing up on my credit report anymore because the account was paid off almost ten years ago. I shared my concerns about the inaccuracies in my credit report and score with the bank and they told me to call Equifax. I reached out to Equifax the following week once I received the Credit Score Disclosure in the mail for the bank. The key factors listed for the low score was number of accounts with delinquency and time since delinquency is too recent or unknown. I called Equifax on XX/XX/XXXX to find out why this was showing on my credit report. The representative at Equifax reviewed my report and assured me that I did not have any delinquencies showing on my credit report. The rep could not explain why my score was XXXX nor why the delinquencies were showing on my credit report. He suggested I find a different lender for my HELOC. On XX/XX/XXXX I paid XXXX to pull all three credit reports and my scores came back as a XXXX with Equifax, XXXX with XXXX and XXXX with XXXX. I then called Equifax back and asked to speak with a supervisor. I explained my concerns about the inaccurate reporting on my credit. She checked my credit file again assured me that I did not have any delinquencies on my credit file. I kept pushing the issue of why there was such a big difference in the score the bank pulled and the score I paid for. I explained that I would end up paying a higher interest rate for my loan based a score of XXXX, instead of XXXX and that I was going to report this issue. She then said that they recently had some IT/coding issues at Equifax that caused inaccurate score reporting. She assured me the issue had been resolved and told me to have the lender pull my score again. I did as she suggested and the score still came back as a XXXX. My score was also negatively affected by the second hard inquiry when the supervisor at Equifax promised it would not be affected negatively because it was the same lender pulling the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclay XXXXs bank XXXX XXXX XXXX XXXX XXXX. 
While traveling, my credit card was compromised. I called Barclay 's bank and requested that the card be cancelled and a new card sent. I never received the card so on XX/XX/XXXX, I paid the final bill and closed the account. I later received a statement charging late fees and interest. I disputed the charge and was told that it would be waived. I received a statement the following month still showing the fees so I called Barclay 's. They had trouble finding the account but eventually did and told me that the fees would be waived. I began to receive daily " Robocalls '' about the late balance, each time that I called Barclay 's, I was told that there was a 0 balance, and that the system needed to update. On XX/XX/XXXX, I received notice that the late payments were submitted to the credit bureau, damaging my credit rating. I called Barclay 's again, after 69 minutes on the phone, I was able to get a manager who claims to have resolved this issue. In all, I have made 6 phone calls, each lasting about 45 minutes because the agents are unable to locate my account. To avoid further compromise to my credit score, I paid the balance which I will now have to try to recoup. I believe that this is planned obsolescence on the part of Barclay 's Bank to charge fees which are not due.

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 monetary relief
Consumer complaint received 2022-11-27
Company: BROKER SOLUTIONS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint against New American Funding. After the first one they said they would not try to have someone change the locks on the home I am selling but on XXXX day they sent someone to put a vacant notice on the door and threaten again to do it. They did this on the 24 only leaving 3 days to respond. Which again I am monitoring and taking care of the home so I got the notice today. I had taken the home off market for a week to then put it back on after some changes. The day before it goes back on they do this. It is impacting my ability to sell the home and causing undue duress on this whole process. The company they are using is XXXX XXXX whose company profile/reviews are not stellar. This I believe is an attempt to extort more money from me while I sell the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
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:
I was charged a late fee for a late payment. I contacted the bank and they refused. I was unable to make the payment on time on the day of because my account was locked out and their Customer Service number does not work in the evening. I was traveling overseas and somehow my IP was cached as being a risk. I was back in the US and called Customer service for my checking account ( the app is linked ) as they are also my bank. They tried to trouble shoot and could not resolve and was advised a case was created and it would be solved. To date, it has not been. I am sure I can pull the phone records of when I made these calls. 

To be charged a late fee when I have funds at the same bank and the reason beyond my control is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Pnc refinanced our equity loan on XXXX. The loan was just paid off XX/XX/2022. They charged a late fee on XX/XX/XXXX due to their booking issue however the rep. Said they would refund the XXXX charge. How can they charge us interest on 2 loans at the same time for the same type of loan class and not backdated the payoff resulting in an additional XXXX  per day of interest plus they're charging me interest on the new loan we have with them with higher rate and balance. The same house the same company and both heloc eqty loans. So double interest. Illegal. I believe pnc needs a State of Ohio Audit done on all refinances seeing they can not double dip and charge late fees when we closed with them on the XXXX. I worked in XXXX  15 years and also was the XXXX XXXX  who helped XXXX XXXX who was your XXXX and I know for a fact if fees or interest are charged this way we would get nailed for it. How may customers refinances has this happened too with PNC? I'm sure it never happened at XXXX XXXX XXXX where I worked or we would've been shut down. Now if they can prove otherwise then no problem. Also the due date went from XX/XX/XXXX to XX/XX/XXXX for a first payment so does that mean 2 months interest due on our first payment? The ist payment should be 30 to 45 days from closing date of XX/XX/XXXX. Therefore XX/XX/XXXX is too far out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accounts on my credit report being posted not accurate.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. Account Number : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-24
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NV
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:
Noticed a hard inquiry for a company I never applied to XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my Mortgage payment for XX/XX/2022 on XXXX, XXXX 
I started receiving phone calls that I had not made my Mortgage payment. 
I called XXXX XXXX XXXX on Monday XX/XX/2022 to ask what the problem was. 
The lady told me she found they had applied payment to my principal and not the payment. 
She told me it was fixed and all good. 
I continued receiving phone calls and emails from Lakeview Mortgage saying if I didn't make my payment late fees were going to be added. 
They added them and sent me another statement saying my Mortgage was overdue and needed to be paid ASAP. 
I called them back today XXXX to find out what the issue was. 
I was told the problem was the payment was applied as Principal and not payment and she would fix it. 
I told her that I needed a new statement, not one falsely saying I had missed a payment. 
I was told that a new statement would be available in 5 business days. 
I explained to her I need the statement as I am buying a new home and my lender requested it. 
She again told me I had to wait 5 days for a statement. 
I can understand if it was my fault, but it is clearly Lakeview 's and not mine as he agreed. 
Explained to her I needed this ASAP as my current home is sold and I need to be out of my current house by XXXX. 
She again told me I had to wait 5 business days. 
I reminded her I had called a week earlier and was told this was fixed and her response was it takes 5 days for a new statement to come out. 
I told her again I had called the week earlier, and she told me again it would take 5 business days. 
IT is clearly their fault the way the payment was applied and I need this statement now and I should have gotten one from the last call. 
Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Their investigation did not fix an error on your report

Complaint:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor.

According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

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 2022-11-28
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon reviewing my credit report in XX/XX/XXXX I discovered a " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$530.00} balance owed to XXXX XXXX XXXX. I disputed this on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I had no knowledge of the account. I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I disputed it again on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I was not responsible for this account ( e.g. belongs to ex-spouse ). I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I was again notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. After the second failed attempt to get this handled I discovered a new additional " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$600.00} balance owed to XXXX XXXX XXXX. I have only been to this Place of Business once. That may have been in XXXX and there were no services rendered other than a referral to a XXXX. These charges are not owed by me in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SXXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-08-09
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Call get to computer operator and no ability to get to actual person and no way to cancel card. also does not update to credit timely or accurately.

Paid bill two months ago and keep reverseing the fee, causing my credit to take negative effects from prolong credit usage rate.

Company response to consumer: Closed with explanation