BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow account balance incorrect - '' Incorrect transfer occurred / Incorrect accounting NOT CORRECTED '' Timeline Record of Escrow Account based on Statements Received : XX/XX/2018 -Statement dated XX/XX/2018 Escrow account balance of {$4800.00} 1. XX/XX/2018 -Made monthly payment of {$1800.00} ( {$600.00} Escrow ) 2. XX/XX/2018 -Received Statement dated 7/3/2018 indicating : - Two town tax disbursements XX/XX/XXXX & XX/XX/XXXX - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of - {$630.00} 3. XX/XX/2018 -Spent 1 hour on phone with " Mr. Cooper '' to discuss the mishandling of escrow funds by based on the double town tax disbursement and explained why the escrow balance should not be short - {$630.00}. Was told I'd receive a call back in three days after escrow account analysis was performed 4. XX/XX/2018 -No call received from " Mr. Cooper '' 5. XX/XX/2018 -Reviewed account online to observe escrow account balance of {$1400.00} and made monthly payment of {$1800.00} ( {$600.00} Escrow ) 6. XX/XX/2018 -Received Statement dated XX/XX/2018 indicating : - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of XXXX 7. XX/XX/2018 - Calculated escrow account balance based on information provided : - Statement dated XX/XX/2018 Escrow account balance of {$4800.00} - XX/XX/2018 -Made payment of {$1800.00} ( {$600.00} Escrow ) - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Calculated escrow account balance of {$2200.00} based on above information, not a shortage of XXXX which is what appears on statement dated XX/XX/2018 8. XX/XX/2018- File complaint with Consumer Financial Protection Bureau to obtain full record of mortgage escrow account and cease mishandling of escrow account funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have called Capital One and spoke to XXXX. I asked if there was anyway to reduce the APR. My current APR is 24.40 % when I called the automated system. XXXX  advised that there was no offers to reduce the APR. I am asking for a reduction in the APR since it is at a very high rate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NY
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:
XXXX  CONSUMER didn't open this loan fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: AL
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:
In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( Balance {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I received XXXX for a XXXX XXXX and a XXXX  by my doctor, XXXX XXXX XXXX, at the XXXX XXXX XXXX. That day i sign the quote that i was given 1 month prior and the agreed upon price, of {$4500.00}, was paid that day as well. The price was split into two XXXX, one was my XXXX, medical cpt code # XXXX. And the second was my XXXX  XXXX  cpt code # XXXX. 

The paperwork i signed and agreed to says An additional charge will be applicable if the XXXX  requires special supplies and or patient may receive a bill from XXXX for XXXX, XXXX or any other supply used by your surgeon. If that were the case then the price of {$4500.00} is what i should only pay unless extra supplies were used. Which they were not. 

Two months after my procedure, XXXX XXXX XXXX reached out to me stating that they never charged me for a third code for {$2300.00}. That code being XXXX again. My doctor, the one who performed the XXXX, spoke to XXXX XXXX XXXX saying he only charges once for that code and that is what he quoted me. XXXX XXXX  on XX/XX/XXXX handed me that quote which they agreed to charge me, i signed, paid for it, then received my XXXX. 

I spoke with XXXX, XXXX XXXX collection company, over the phone and theyre saying its now {$3400.00} and the charge is for XXXX. I already paid for the XXXX, {$800.00} on the quote. 

Im very confused with why they keep trying to charge me for a XXXX that I paid in full and XXXX  i paid in full as well. Im in no right liable to pay this collections. 

Attached is the statement they sent me for {$2300.00} The quote, of {$4500.00} and {$800.00}, I signed and paid the day of the XXXX. 
And the new Statement XXXX is charging me {$3400.00} for anesthesia The doctor that performed the XXXX is XXXX XXXX XXXX from XXXX Florida XXXX XXXX XXXX XXXX ) XXXX For any additional questions you can contact theyre office and speak with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 2023-05-29
Company: EQUIFAX, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TN
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 did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. 
I have not call back or requested them to provide a validation letter. 

Anfi Letter received on XX/XX/2020 Balance due {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: MOHELA
State: OH
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:
We can not begin to describe the level of incompetence and disgrace that has arisen from our experience with Mohela. Horrific. 

I had applied for PSLF forgiveness ( to include XXXX ) on XX/XX/2022. That would have qualified for the 120 months worth of forgiveness according to my qualifying count on both Studentloans.gov and XXXX prior to the transfer to MOHELA. All we needed was for Mohela to count the twelve payments over the last twelve months since I was with my employer ( and still am ) for the entire duration of that time. Thats it. Count to twelve.

However, we were told it would take 90 days to do so. Regardless, on XX/XX/2022, we called Mohela to check on the status of our loans and spoke with XXXX. XXXX verified the form submission and all details filled out were correct. 

However, on XX/XX/2022, MOHELA erroneously submitted a response stating Your employer provided an employment end date on your PSLF Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. 

1. This is patently false. If MOHELA had bothered to check the form submission which can be found on their own website, they would see that the employer certification, the employee signature, and the received date are all the same : XX/XX/2022. It does not take an inordinate amount of effort, let alone 90 days worth of effort to do that. 

2. It is irrelevant. As long as I was employed on XX/XX/2022, that would have constituted the full 120 payments per the prior qualifying counts as confirmed by both Studentloans.gov and XXXX XXXX. 

It is unbelievable that something like this has to involve so much complication and quite frankly shear incompetence over such an inordinate duration of time. This is egregious and contravenes Congress and the Presidents intent for the program. We will be sharing this information with all prospective legislators who represent us. 

XXXX recently reached out to us - along with other lenders- and offered monetary settlements to account for their previous bumbling of student loans. You would think MOHELA would take note, but clearly they have not. 

Request MOHELA go back and perform this check in accordance with the mandated standards and processes as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: LD Holdings Group, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Im a HUD homeowner located in XXXX, LA. I took a forbearance based on the " CARES act '' passed by Congress last year in XXXX. However, my mortgage company, Loan Depot, has put negative items on my credit report, which have caused my credit score to drop over 100 pts. I asked for my payments to be put at the end of my loan, and resume my payments on a regular schedule, but my mortgager refused, and gave me a loan modification instead. Loan Depot wanted me to sign documents, which sells my loan to another financial institution and my first payment with the new mortgage company is not due till XX/XX/XXXX. However, Loan Depot reported me as having a late payment in XX/XX/XXXX, even though I was still under forbearance. I am being treated unfairly and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This is my follow up regarding my previous submitted complaint directed to Experian Bureau again, that I was a victim of identity theft, and this is another complaint I am submitting to request for the removal & blocking of these fraudulent inquiries from my credit file resulting from alleged identity theft. Ive already included this identity theft report in my previous complaint & I am including it again here. Also, the data the Bureau provided on these 2 remaining inquiries are UNKNOWN to me and were already REMOVED from other bureaus and so I am starting to have doubts about the reporting accuracy of it. Please see these remaining inquiries below that the Experian needed to REMOVE : EXPERIAN : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. This complaint is to notify the mentioned Bureau if not remove & block the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold them accountable for willful noncompliance.

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 2022-12-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: American First Finance, 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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; Medical XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} The following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX Opened : XXXX XXXX, XXXX Balance : {$100.00} XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$770.00} I request that Experian promptly corrects or updates the inaccurate information associated with the XXXX XXXX XXXX XXXX  account on my credit report. This account was never late, contrary to the information currently reported. 

Furthermore, as these additional accounts are not mine, I insist that Experian removes them from my credit report. The inclusion of these accounts creates an inaccurate representation of my credit history and financial responsibility.

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 2021-10-01
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TX
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation