BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never been late on my mortgage payment. In fact, I will have paid off a 30-year mortgage in 11 years ; I only have about {$4000.00} left to pay. Yet my loan, which was purchased from XXXX XXXX XXXX by XXXX, was subsequently turned over to LOANCARE, which states they are " attempting to collect a debt, '' as though I was behind or unwilling to pay. I was not notified by XXXX XXXX that my loan was being transferred, and if LOANCARE sent any information, I discarded it, as I was not applying for a loan or anticipating any " loan information. '' I first found out there was a problem when I tried to pay my XX/XX/XXXX payment to XXXX XXXX. I paid by phone, and for the XX/XX/XXXX payment, tried to pay online on XX/XX/XXXX. My complaint is two fold. ( 1 ) I was charged a NSF fee on the XX/XX/XXXX payment. This fee was added to my payment IMMEDIATELY upon making the payment ; it shows up on the payment confirmation statement. Neither the XXXX or XXXX payment was returned for NSF issues ; I had plenty of money in the bank. ( 2 ) When you try to call the number provided by XXXX XXXX for LOANCARE, XXXX, you can never talk to a human being. Do not be confused by the statements " if you wish to make a payment by phone or talk to a representative, push 1, '' because after pushing 1, you never get an opportunity to talk to a person. I tried all the options, and never can get a live person. Pushing 0, results in a message " you have pushed a wrong option '' and if you do that twice, the recording says " you have again pushed a wrong option, Goodbye. '' and hangs up. For something as important as servicing a mortgage payment, you should be able to speak to a person ; everything does not fit into their " fully automated phone system. '' There was no button to push for when " unwarranted charges were applied to my payment! ''

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 2023-05-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Citibank in regards to some transactions. I was fraudulently scam, and I informed them that I was scam for some payments that was made so some scammers unintentionally never knew that they were scammers thought I was working with a legitimate company to pay off my taxes that I owe. I sent them the money through XXXX to a company the works directly with thw irs. They are government impersonators. 
XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$300.00} This company was called XXXX XXXX XXXX XXXX that was based out of XXXX Florida however, at this company is nonexistent Then, when I cant take a Citibank for assistance, I couldnt get an American person on the line. I was only getting XXXX  and they was not willing to help me at all.

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 2019-04-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC has reported that I owe a debt to XXXX XXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC, c/o Resurgent Capital Services, XXXX XXXX   XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

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 2018-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: MOHELA
State: LA
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 was automatically switched from the REPAYE program to the SAVE program. 
The payment was calculated incorrectly according to the information prior to the covid pause, which is allowed by the federal government until my recertification date of XX/XX/2024. 
They did not take into account my family of 4, my payment is calculated based on me being single, nor did they take into account my spouse 's student loans. 
This has led to my payments being almost {$400.00} higher than they should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we refinance our mortgage, and did not add the other parcel account to my account therefore, we have to come up with large amount of money {$9700.00} for escrow account I was not inform until 30 day 's before my mortgage is due in 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 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent in letters to XXXX to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to Experian XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has 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 non-monetary relief
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my account in full and Capital One continue to charge me interest on my account when it was at a zero balance. My account was paid in full and the failure to disclose any additional interest due or fees associated with that is a violation of fair collection practice. A reps told me that is not an option when paying online. They said they will not disclose any additional fees or interest and you would have to wait until next billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on 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 2023-04-19
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-11-28
Company: AES/PHEAA
State: IL
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:
XXXX, XXXX, XXXX  and XXXX fail to update my credit report reflecting the attached XX/XX/2018 forbearance letter. All credit reports show XX/XX/2018 as 90 days late and XX/XX/2018 as 120 days late on all four XXXX, which is inaccurate because I was approved for forbearance during this time as indicated in the XX/XX/2018 XXXX letter. Please instruct all credit bureaus to update my credit file as indicated with forbearance letter immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing mortgage that has been sold a number of times. The mortgage is at least 15 years old, condominium, and my primary residence. I am a retired XXXX XXXX County employee and veteran of the XXXX. The latest company to hold the note is Shellpoint Mortgage Servicing, who placed forced XXXX XXXX on it without any communication prior to increasing my escrow payments from {$71.00} a month to {$530.00}. a month. It increased my monthly mortgage payment from XXXX a month to {$1300.00}. 
I have since provided them documentation proving the required insurance coverage and they are " supposedly '' reviewing and will then re-evaluate my escrow requirements. From my numerous phone calls I have been led to believe this will soon be straightened out but until Shellpoint Mortgage Servicing took over the loan there was never any problems like this that could and would put me at risk to lose my home. Are mortgage companies not required to notify customers before placing hazard insurance and verifying whether such insurance already exists? The fact that Shellpoint identifies as a Debt Collection firm rather then a a Mortgage Company implies the consumer has done something wrong, instead of a client with a home loan. My once affordable home has been relegated to a debt I can no longer afford by simply being sold to New Rez, XXXX  Shellpoint Servicing. 
There needs to be legislation enacted that protects home owners, especially retired home owners on a fixed income from predatory practices demonstrated by the actions of Shellpoint Mortgage Servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX Account # In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I got a response from XXXX and Equifax one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: IL
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief