BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-01
Company: Eagle Home Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Fri, XX/XX/XXXX, XXXX XXXX  Received " Closing disclosure '' from Eagle home Mortage where " Cash to Close '' amount was displayed as {$31000.00} XX/XX/XXXX was the title signing appointment at XXXX XXXX  at Title company office Wed, XX/XX/XXXX, XXXX XXXX Received another email from Title company manager with wire instruction and final signing statement where the " Cash to Close '' amount had been changed to {$32000.00}. 

I did check with Eagle home mortgage/Title company and Title company and below is the response I did receive. 
" difference that youre seeing between this CD ( issued XX/XX/XXXX? ) and the Final one, issued today, is the Seller credit. The seller credit on the CD issued on XX/XX/XXXX, was {$5200.00}, but this was {$880.00} too high. Per your contract, the Seller will not pay for any recurring closing costs, which is where the {$880.00} is going to. The seller credit was reduced down to {$4300.00}. The amount to close of {$32000.00} is correct, although {$880.00} higher than the CD you saw on XX/XX/XXXX. '' With XXXX XXXX  this is the response I have received You have 2 options as of now Option 1 : Go as per your schedule signing date and signed the title and pay the " Cash to close ' amount as {$32000.00} and then everything will go as planned ( wiring the funds before XX/XX/XXXX, second walk-over on XX/XX/XXXX XXXX XXXX  and key released by XXXX XXXX  on XX/XX/XXXX ) Option 2 : Send me an email that you are backing out and I will send the cancellation docs and the contract will be canceled and builder will keep the Earnest money because you are the one backing out from this contract. 

They ( Eagle Home Mortgage ) did not change the amount as per the " closing disclosure of XX/XX/XXXX '' which I and my wife had signed electronically. 

Finally, I had to reschedule my appointment for XX/XX/XXXX at XXXX XXXX  for title signing and there I was asked to sign the new " closing disclosure '' with the higher amount. ( which was sent to me on XX/XX/XXXX ) I had wired the funds on XX/XX/XXXX evening and on XX/XX/XXXX I did receive the house key.

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 2023-06-07
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
I am disputing this account once again for inaccurate information. The notice of dispute is missing from my previous disputes, which means no investigation was ever done. Thats is a violation. I also notice the payment history isnt correct either. I also have a Credit repair company helping with this account. Either it gets deleted or Ill be forced to file small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was an XXXX  customer with my mobile phone. I took out an insurance policy with their carrier ( XXXX  ) in the event that my phone was lost/stolen/damaged ... I filed a claim and received a new phone and paid my {$220.00} deductible. Several months later I again reported my phone lost and was sent a new phone. However, I found the phone I reported lost and sent the replacement phone back ... and therefore should never have had to pay the deductible. So at this point, I am at one replacement phone. I later did crack my phones ' screen and requested another replacement phone. XXXX denied my the replacement phone ( which would have been my second phone ) as they said I already got two new phones. However, I only had one replacement phone, because the second replacement phone I sent back. 

Keep in mind I had been paying XXXX  XXXX a month for the insurance with their carrier. 

I called XXXX and they said I was entitled to a new phone. I took upon myself to use three way calling and put an XXXX  rep on the line with an XXXX  representative The XXXX rep explained to the XXXX rep that I was entitled to a new phone after checking their records. 

Before I switched to XXXX I paid the remaining balance with XXXX  and just thought I'd have to eat the cost. I didn't know CFPB existed.. 

Can u please help me to resolve this dispute with XXXX  and Sequium Collections My Sequium reference # is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2022-11-09
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with CrossCountry mortgage Account XXXX. XXXX XXXX XXXX XXXX For a year they receive my paiments and never inform me that my insurance never was XXXX and now 14 months later they activated an insurance for that time that my mortgage was with out insurance and my home was with out coverage I explain to them that my insurance agency send them the policy but never receive the payment and after that they notificated them that the policy was cancel, but i never receive any notification to activate or request for a new policy, I felt unprotect for more than a year and then the mortgage charge me for an insurance overprice just to justificate that we supposedly had an insurance since the beginning of the mortgage I would like this money back to my Escrow and thats why I contacted you Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Veros Credit, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
A few months ago I sent a letter to Veros Credit concerning excess interest rates on my auto loan and I have attached a copy of the letter below for reference. Veros Credit responded stating, " Claimant mischaracterizes the transaction for his vehicle purchase. Claimant entered into a consumer credit sale for the purchase of his vehicle. XXXX XXXX. XXXX. A credit sale is not a loan or forbearance of money, and is not subject state ususry law. '' I would like for you to investigate this matter further because i'm not satisfied with the response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX VEROS CREDIT , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ATTN : XXXX XXXX XXXX XXXX NOTICE OF EXCESS STATE USURY LAW INTEREST RATE VIOLATION It has come to my attention Veros Credit , LLC has been charging me & excess amount of interest rate that exceeds my state maximum usury law. The Usury Law on interest rates in South Carolina is 8.75 %. 
On XX/XX/2021 I opened an auto loan with Veros Credit and I was charged 23.39 %. Im not sure if you willingly or fraudulently or if this was an honest mistake but you have charged me WAY in excess of my state maximum allowable interest rate of 8.75 %. Im hereby seeking full remedy in excess of my state maximum allowable interest rate of 8.75 %. Im requesting all payments made from the beginning to current in excess of my state maximum allowable rate to be paid in full via certified check or money. Please send payment to the address listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: MOHELA
State: SC
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:
Mohela is using the dates of the signature blocks ( section 4 employer certification ) This is the date the employer signed the forms to be submitted to Mohela, above this section it is clearly checked that I am still employed on both forms from each employer. 

This is a mistake on Mohela 's side and they insist that I am no longer employed as of XX/XX/2022 and XX/XX/2022 Please see attached documents and the dates showing for signature signing not employment ending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: General Motors Financial Company, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
GM is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ).

Ive been a customer at GM finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So GM gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at GM and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from GM and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent several letters out to experian XXXX  and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions 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:
EXPERIAN continues to post fraudulent information related to XXXX fraudulent XXXX XXXX accounts. EXPERIAN was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the XXXX and have done so since 2014. The address used under my name is a XXXX XXXX XXXX That XXXX XXXX XXXX compromised and personal information like social security number and ID were used to open the accounts with XXXX XXXX, several other credit card companies and banks. All providers with the exception oXXXX XXXX XXXX honored the information submitted and confirmed fraud. XXXX XXXX, with the help of EXPERIAN, continues to submit the exact same information to EXPERIAN, suggesting the accounts are valid. This is a flat-out lie and EXPERIAN continues to perpetuate this false narrative. I am demanding that EXPERIAN ( who removed the fraudulent accounts only to allow XXXX XXXX to submit the same garbage they submitted XXXX times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the XXXX XXXX accounts for good. Stop asking XXXX XXXX if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!

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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX was victim of fraud by a caller from Chase bank They gave me case XXXX XXXX XXXX this was approved of the change of new card they said. 

They merge all oir personal and business account together. 
Moved a the money even from my neice account to the business And did XXXX transactions for {$10000.00} and {$7200.00} I got no calls from actual chase as these transactions looking suspicious. 

This happened at XXXX About I called chase to file a claim XXXX around. 

These transactions weren pending when i caught them and called chase On XX/XX/XXXX I close all the accounts and these transactions were still pending. 

After ongoing investigation chase comes back and advise that they close my case and it was denied.. 
Because thy fault it was done from my computer. 

I continued to escalate the complaint with executives and they said the same denied because they said it was done from the computer.. 
I told them that never do banking with my computer than they changed that it was my device. 

I filed a police report on XX/XX/XXXX I think their fraud dept could it stopped. They could it see all the suspicious transactions. 

I got no txt no call no email from Chase to ask me if I authorized these big amounts but yet I get emails later on that if I authorized small amount. I attached pictures of those..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Arrowhead advance and been patient with me and reduced some of my interest payments but my wife lost her job and I can only pay {$100.00} a month and they want me to pay {$200.00} a month of my remainding debt of {$440.00}. I have paid them back the {$1000.00} originally borrrowed and in the process of paying back interest payments which I believe has been {$1400.00}. Two months ago, I contacted Arrowhead Advanceand I proposed paying them back {$100.00} a month and they would not agree to the terms. They would only allow me to make a {$50.00} payment with {$100.00} payments going foward every two weeks.I was not able to make the {$100.00} payment today on my debit account. My attorney has sent them a letter on XXXX revoking their right to garnish and to not use my bank account. I plan to pay them back but I can not afford {$200.00} a month. 

below is my past payment history : Loan Details ID : XXXX Start Date : XX/XX/XXXX ( Mon ) Original Principal : {$1000.00} Status : Pastdue Current Balance Principal : {$230.00} Finance Charges : {$180.00} NSF Charges : {$30.00} Total : {$440.00} Last Payment Amount : {$99.00} Date : XX/XX/XXXX ( Mon ) Type : Returned Date Description Principal Cash Advance Fees Finance Charges NSF Fee Total XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$100.00} ) {$0.00} {$0.00} {$0.00} ( {$100.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$40.00} ) {$0.00} ( {$180.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$32.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$26.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$21.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$17.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$13.00} ) {$0.00} ( {$210.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$120.00} ) {$0.00} ( {$100.00} ) {$0.00} ( {$220.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX account was paid in full but it's still showing a {$100000.00} balance. When I open my XXXX account it also shows {$0.00} Balance

Company response to consumer: Closed with non-monetary relief