BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madam, This is to bring to your notice that I closed a home refinance loan with Loan Depot ( Loan ID provided on request ) on XX/XX/2021. It has been more than 10 weeks since then and the DEED has NOT yet been registered with XXXX XXXX, VA This delay in registration of Deed is preventing me to do the following : 1 ) Refinance for a lower term 2 ) Sell the property. 

When I contacted Loan Depot, I was told they dont have a timeline and that the delay is due to covid. 



Multiple requests to settlement company Closing USA - have gone unanswered. No one picks up the phone and no one is returning the emails or the voicemails.

Additionally, Loan Depot owns the settlement company Closing USA.

This delay in registration of deed I feel is an unfair practice, is keeping me hostage by not letting me complete other financial activities and should be regulated either at state or at federal level. 



I would appreciate it if an investigation is opened and additionally if new guidelines are passed which prevents future homeowners from facing a similar issue. 



I am requesting that either Closing XXXX or Loan Depot register the deed with XXXX XXXX, VA as soon as possible without any delay. 



Thanks, Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.XXXX XXXX doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is being filed against PNC Mortgage Co. due to the fact that they have refused to mail me a statement for my XX/XX/2021 payment which would bring my mortgage current. Due to the XXXX virus pandemic I was having problems paying my mortgage on time. My county- XXXX XXXX has been assisting their residents with funds from the CARES ACT to pay their mortgage. They will pay the principle and interest and I have been paying my escrow. The mortgage company has a policy of not accepting/ posting partial payments but I have kept them informed of what is going on and they have been accepting my county 's portion of {$490.00} + my portion of {$380.00} : now that my payment for XX/XX/2021 will bring mortgage current they are refusing to mail me a statement. I have ask for a statement when I made my latest part of my payment for XXXX on XX/XX/2021. The person that I made my payment with said she would see that I got the statement ... I've got nothing. On Monday XX/XX/XXXX I received a call from some guy at PNC, who didn't Identify himself, instead he begins to tell me that since I was always late with my payment that I should go back on a forbearance plan. I told him that payments made in XX/XX/2021 would bring my mortgage current and I asked him about getting me statement in the mail. He said he would see what he could do, or I could go to one of their new locations in the XXXX area and get the a copy of XXXX statement printed out asked him to hold for a second so that I could get a pen to write his name down, he said ok, instead he hung up. 
I have gone to two different branches ; each time at first I was told yes then they came up with the lie that they couldn't because they couldn't be sure I was the mortgage ownerthough they were given my Texas driver license and I showed them my XXXX statement which had with me. 
Since this Decembe payment will bring my account current, I know what they are attempting to do since I can't submit to my county for their assistance without a statement, PNC has decided that they will force me back on a forbearance plan because the guy who called me alluded to that. I need some help quickly from you all because they are trying to add every fee that they can come up with such as late charge fee, late charge assessment fee, etc., etc. 
In conclusion, can I please get some assistance quickly from the CFPB, because PNC is just the lowest of low and I am trying to move my mortgage to a more fair and reputable company. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Nelnet, Inc.
State: NY
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:
On XXXX XXXX, received a letter with an account number ( XXXX ) on it indicating I can apply for XXXX XXXX XXXX. I had my student loans for when I attended and graduated through NelNet. I paid my loans off around XXXX ( not sure exactly but it has been a long time ). I attempted to call them on XX/XX/XXXX and was on hold for an hour and XXXX minutes and couldn't get through. The automated message was to try and use the automated services, but when I put in my information there is no record of my account. After that long being on hold I waited until XXXX XXXX to try and call again. The automation again said no record and that there was an XXXX min wait, then that XXXX min became XXXX minutes. After being on hold for over XXXX minutes, this company doesn't seem to answer or give correct information. I am concerned that there are now student loans out there for me since I am getting an application to discharge it, why else would they send me something regarding loans that were paid off over 10 years ago. Now I fear that I am going to have to go through for fraud/identity theft. 

There letter states they are here to help, but not really. After trying to get a hold of them for almost XXXX hours, I am no further along than I was prior, except now more aggravated. I want to know why I received such a letter, with an application to discharge a debt that has been paid off for ages. If they say I don't have an account ( which the automation does ), then this is a misrepresentation and deceptive practice to send a letter indicating I can have something discharged that doesn't even exist, why else would a company spend all this money mailing documents/letters on items that are paid off, most businesses are there to make money, and there is no money to be made, nor a regulatory requirement to send something like this on a paid off account, which leads me to believe there is some sort of fraud involved. 

If they say I don't have an account, then please provide a legitimate reason ( s ) for sending me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-06-15
Company: Nationwide Debt Reduction Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received information from Nationwide Debt Reduction Services , LLC concerning reducing my credit card balances, ,but i am not sure who these people represent. Are they real or just out to scam me out of my money? I have not contacted them or given them any of my information. Can you help me out?? Date of this pamphlet wasXX/XX/2019., ,credit card debt is {$18000.00}. and settlement is {$8200.00}, ,new proposed program payment would be {$290.00}. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original creditor was included in XX/XX/XXXX Bankruptcy-see attached XXXX XXXX which shows original creditor. Bankruptcy was discharged -see attached order.

In XX/XX/XXXX, Midland purchase this debt that was discharged thru Bankruptcy in XX/XX/XXXX.

They have been asked to provide debt validation and refuse to do so.

They have been provided with XXXX XXXX and discharge and refuse to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I scheduled a transfer from my Chase savings account to my XXXX savings account. This was the third scheduled transfer to that account in the last week. 
For the first two transfers, I received a text from Chase to verify the amount of the transfer and I replied " yes '' that I had requested the transfer through my online account. 
On XX/XX/23 at XXXX : For the third transaction I received a call from someone claiming to be from Chase fraud alert, wanting to verify my identity. They called my phone number but the caller ID was just the number XXXX. They asked me to give them a code that would be sent, but I asked how could I verify their identity before I gave them any code. They could not offer any way to verify their identity so I said I would call the Chase bank customer service line myself and verify the transaction. 
I called Chase customer service for this purpose and found that they had locked my account, canceled the transaction and removed the XXXX account from the transfer options. I wad very upset with this and pointed out the inconvenience to me the customer to have to redo all of the steps of registering the account and requesting the transfer again which would take several days. 
I pointed out that their process was flawed in that me as the consumer could not verify their identity from an incoming phone call. 
Due to this flaw, I was subjected to emotional upset and inconvenience while I waited on hold to talk to customer service, then be transferred to fraud unit only to learn I would lose time and potential interest earnings because of their actions. 
They need to fix their process, no wonder the criminals are tricking consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Armed Forces Loans of Nevada 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: Account information incorrect

Complaint:
I had a loan with Armed Forces Loans. I fell upon hard times and missed a payment back in XX/XX/XXXX or XX/XX/2018. I made that payment the following month and continued on schedule making the payments as I was scheduled to. Armed Forces Loans continued to mark me as having late payments when they were paid via ACH on the due date monthly. When it came down to my last 2 payments. I  made the payment in XX/XX/XXXX and when I contacted XXXX ( I am military ) they stated for me to get clear guidance from the company on what was owed before I made the payment. Before I could get that resolved the company drafted my account without my consent and took the last payment out in XX/XX/XXXX.  That payment has not been reported to the credit bureau but they have reported me again as having a late payment even though they have my money. They contacted me onXX/XX/XXXX stating I had a balance of {$15.00} for a late fee. This company seems to scam, access peoples accounts without their permission and not report accurate balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Nelnet, Inc.
State: AR
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:
The customer service department can not give me a reason my balance is not updating and lie to get you off the phone. I showed a payment due not until XX/XX/XXXX of XXXX but I went ahead and made a payment of XXXX on XX/XX/XXXX. On XX/XX/XXXX I saw a payment due of XXXX on XX/XX/XXXX so I made a payment of XXXX. Then I went on the website 2 days later and it said I now owe a payment of XXXX due on XX/XX/XXXX. I called customer service after waiting almost 2 hours on hold and they had no explanation but I said so if I make a payment of XXXX will I not owe until XX/XX/XXXX the rep said yes I believe just to get me off the phone so I made another payment of XXXX of XX/XX/XXXX. I am now checking the website and it still says I owe XXXX on XX/XX/XXXX. The balance is going up. I have made 3 payment totalling XXXX and something is very wrong with this and it needs to be fixed. You cant talk to the chat because it is AI and gives XXXX answers. I feel like NELNET is a hot mess and not applying or calculating payments correctly. When you call their number all it talks about is how to pay them but not wanting to give you correct information all they want is money no matter if its screwing the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and Equifax do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and Equifax reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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: EQUIFAX, INC.
State: PA
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 2021-03-22
Company: Experian Information Solutions Inc.
State: OR
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 disputed the payment history and past-due balance with XXXX XXXX XXXX  for a Visa card Id opened. After investigating, XXXX XXXX XXXX agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the XXXX card, but my XXXX  and Experian accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The XXXX and Experian accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.

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 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief