BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to Freedom Mortgage multiple times to try and get an FHA mortgage forbearance due to the coronavirus pandemic and they keep denying the mandated guidelines for allowing borrowers to access the special forbearance. They keep saying all I can do is apply for a 3-month forbearance and at the end of the 3 months I would need to pay all 3 months plus the 4th month at that time ...? What sense does that make? Its nonsensical. I even read them the guidelines from this site back to them. Also, to shove it in our faces, even more, they have a XXXX post on their page with the video from the CFPB on the guidelines of the COVID forbearance.. I along with other customers leave comments but they delete them as soon as we put them up ... Shameful..

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 2021-06-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We recently ( XX/XX/2021 ) re-financed our mortgage with XXXXennyMac Loan Services. During that process, we formally opted out of the sharing of our personal data with third-party marketers. However, we immediately began receiving solicitations from marketing firms possessing very precise information about our days-old loan. We called PennyMac 's office that ostensibly governs this activity ( XXXX ) but were told that PennyMac was not interested in ceasing the sale of our private information which PennyMac had legally committed to abstain from sharing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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:
On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: HW Holding, Inc
State: TX
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:
Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
answersThere are a few issues with the debt American Medical Collections Agency is trying to collect that originated from XXXX XXXX One being my health insurance adjusted a few of them and XXXX XXXX actually owes me money. Another being my medical insurance says from the XXXX statements I do n't owe for certain tests because of the contract XXXX XXXX has with the medical insurance. The third issues is I just made it through a series of appeals and it looks like a won. These appeals take several months ... upwards 16 months to complete. When I originally contacted XXXX XXXX they just sent me collection letters sooner instead of working with me and waiting the appeal process like they are supposed to. I do n't owe XXXX XXXX the {$1200.00} stated in the bill from American Medical Collections. When I try and contact Medical Collections I get no answers. They send a bill about once a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

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 2015-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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:
On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2015-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015 I was written a check in the amount of {$270.00}, from XXXX XXXX, with an account from XXXX XXXX Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, XXXX, to deposit the check. The next morning, XXXX XXXX, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked XXXX to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and XXXX of the banks would reject the deposit. XXXX also informed me that XXXX of the transactions would be rejected. Within a few days I noticed that XXXX had returned the check and charged me a {$5.00} return fee, which I expected. The funds from the check were still in my USAA account. XXXX XXXX, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to XXXX XXXX 's account. I contacted XXXX and she explained to me that the funds were debited XXXX, then credited once and charged an overdraft fee. We waited a few days to see if the funds would be returned to her checking account, which never happened. I called USAA again on XXXX XXXX and they told me that the funds had been taken out of my account by the Federal Reserve and put into an account at XXXX XXXX, because it was a duplicate check. USAA told me that my local bank, XXXX, would have to take over and that it was no longer in their hands. The same day I called XXXX and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the XXXX 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # XXXX. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: CA
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:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from XXXX and XXXX XXXX that I still owe Check n Go for a loan from XXXX. I paid this off in XXXX with a different collection agency in XXXX of XXXX. 

Please contact XXXX and XXXX XXXX and tell them I have paid this off. I have attached the paid in full letter. 

I am not sure where the disconnect is here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Sequium Asset Solutions, LLC
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:
This sequium account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
To give you some history and insight of what is going on I am starting from the beginning. I had an account with XXXX I disconnected with them and moved to a different cell phone provider. During my time with XXXX I financed my cell phones, and paid on these phones with the monthly billing. When I disconnected I still owed a balance, but was told I could make payments on the balance still owed on the phones, but it would eventually go to a XXXX party collection agency, which it did and it was an agency called XXXX. They continued to honor what sprint told me which was I make payments to them and it would not report to the credit bureau. Here is where the problems began ; Sometime in XXXX the account was moved to another collection agency called Diversified Consultants. I was not notified until XXXX but because I knew I owed this balance I called and said I wanted the same arrangement and to continue out my payments. I later called and wanted to validate the debt to make sure their records were correct because I had a different amount that I still owed, this was left on a rep named XXXX 's voice mail. Furthermore instead of honoring the same arrangement that I thought was going to be honored because I set up payments, they started reporting to the credit bureaus the debt they had on file. I am upset that they never gave me a date as to when they were going to report negatively and the fact that I am in dispute with the balance. Which I had to call a second time to put in this request, so while in dispute I also asked them to remove it from collection and to again provide me with verification debt/balance owed. I have yet to receive this requested information and feel they should remove it from collection as I never was given the notification that they were not going to honor the original agreement that I had with XXXX and XXXX. They also never once mentioned they would be reporting anything, and told me I did not have a right to know which I feel is against collection policies. As a consumer I should have the right to know when they are going to report, and if they are going to report, because I know not all collection agencies report a debt. Then they stated that it had been a couple months since they had this account and that it 's been since XXXX but I was not notified in writing until Mid XXXX and should not be held accountable to the sale date in there systems. I also was under the impression that they were under the same agreement as the previous agency was never made clear of their terms for collecting. I also requested for them to remove the debt while I am in dispute and that yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Specialized Loan Servicing Holdings LLC
State: OH
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:
CFPB Case # XXXX-XXXX  was resolved with Specialized Loan Servicing stating in part : " Our records reflect that the account was reported as delinquent after the account was approved for the above-referenced loan modification trial period plan. A manual update was submitted to the credit reporting agencies on XX/XX/XXXX, indicating the account is participating in a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. This update will be received by the credit agencies within 72 hours ; however, it may take additional time for them to update their records and for this to appear in official reporting. Please use this letter as verification of this correction. We regret any inconvenience this may have caused. '' On XX/XX/XXXX I was denied a mortgage due to my credit reports still showing an erroneous 120 day delinquency reported for XXXX of XXXX by SLS. On XX/XX/XXXX I called SLS and was told by XXXX ( teller ID XXXX ) that she would submit a ticket to have the delinquency removed. On XX/XX/XXXX I was contacted by the escalations department and told that the ticket had been denied, I was still considered 120 days delinquent. I asked them to read the XX/XX/XXXX letter which she did while I was on the phone. She promised to put in another ticket and reference the letter. 

We are now at 10 months and counting where I am being denied credit due to this erroneous credit reporting by Specialized Loan Servicing. At no point was I delinquent on my loan, the 90 day forebearance was pre-approved, I entered and completed the trial period of 3 months and my loan was modified. It is clear that SLS struggled and continues to struggle with loan modifications due to COVID. This system glitch has now impacted two loans for 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 2021-12-17
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:
This XXXX  account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

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