BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Trying to pay for student loans in MyGreatLakes.com requires a PHD in shadiness to not get scammed. My account is 3+ years paid ahead, I make minimal monthly auto payments and one time additional payments each month. I have now 4 loans vs. 5 after making several large one time payments to pay off the loans. What was scammy about the process is realizing the timing of when additional payments are made can have significant impact on how the additional amounts are applied to the principle and ultimately impacting the amount of interest you pay in total. Simply clicking on the screens to have 100 % of your payment directed to a specific loan, doesn't always end up the way you think! 

Why would it matter if you are paid ahead is what conventional logic would suggest. Because you aren't shady like My Great Lakes, you don't understand. Here 's what I've come to realize.. 

If you want to pay ahead and have the additional payments directed at your specific loan ONLY ( vs. peanut butter spread ), you need to meet your monthly minimal and any interest accrued. 

XXXX Example : your loan payment is due on XXXX of the month - XX/XX/XXXX- Minimum payment applied. $ spread like peanut butter across all loans as expected. 
- XX/XX/XXXX - additional payment applied. $ considered payment to next month but still peanut butter spread across all loans even though you tell them it is to be 100 % directed to a specific loan even if the amount you set for additional payment is higher than the monthly minimum payment. Scam. You'd think just the amount up to the minimal payment amount is spread like peanut butter but nope ... the whole thing. 
- XXXX - additional payment applied and you are now paid ahead for next mont. Only now will your payments be 100 % directed as you choose. 

_______________________________________________________________________ The above is still true even though I'm 3 years paid ahead. SCAM. SCAM. SCAM. 

So beware. When paying ahead, schedule the additional payment on the same day as the monthly due date OR make multiple payments to 'test ' the waters to confirm the payments are getting correctly allocated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: OK
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:
Hi there again! on XXXX I requested 2 things from Experian because i really don't believe the information to be accurate. I sent a simple dispute letter requesting verification for this Realty account and for some late payments. It has been more than 30 days and i haven't received any information about the investigation. These things just popped up on my report, no warning what so ever i really am being ignored here. I need them to remove it because it is not accurate and it took more than 30 days and it is still on my credit report.

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 2018-11-17
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I mailed a letter to Experian advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Experian on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to Experian so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of  many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XX/XX/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 2018-11-17
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, I closed on a new home in the Maryland area with Quicken Loans. The closing was originally scheduled for XX/XX/XXXX but was pushed back for Friday XX/XX/XXXX .To my surprise during the signing of the documents I was shocked to learn that my first payment would be due in XXXX. I called the gentleman who had helped me throughout the process about this and he apologized stating that " the person servicing the loan, never changed the date and unfortunately it was an oversight ''. That was the 1st issue. 
At the same time I was on the phone with the Quicken Loan rep trying to see if this could be resolved I signed the paperwork, only to realize that he included ESCROW on my monthly payment WITHOUT DISCUSSING THIS WITH ME! I put 20 % down and my credit score is XXXX, why would they automatically apply that to my monthly balance and not give me the option to pay for it separately?! I called, spoke with too many uninterested and frankly unhelpful investigators at Quicken Loan whose sole purpose is to protect the organization against admitting any liability. That was the 2nd major issue. 
In XX/XX/2018 ( 3rd month in the loan ) I receive a letter stating that there is a manual disbursement on my property tax and that now I OWE QUICKEN LOANS over {$5000.00} which will be applied to my mortgage! I called and spoke to another investigator and questioned them how could this happen. I signed mortgage documents less than 3 months ago agreeing to pay {$2800.00} and now you they are trying to force me to pay {$3300.00}. As they naturally did, the investigators provided no solution and they stated that it was not their responsibility. That is the 3rd and FINAL ISSUE.

I am just one person and do not have access to the same resources that Quicken Loans has, however make no mistake, THERE IS RIGHT WAY to do things AND THERE IS WRONG way to do things. These issues could have been rectified in private if they showed a willingness to take responsibility and act accordingly, they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you in advance for your assistance. I have been trying to get this issue resolved with Equifax for some time now. I notified them that some has been trying to open accounts with XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX I changed Loan Consolidation Companies from XXXX, North Carolina XXXX XXXX XXXX, and XXXX to a third party online Federal Student Loan Consolidation Company called XXXX. XXXX XXXX and I had several conversations about the new management of my XXXX  XXXX and XXXX XXXX and he assured me that my Education wouldnt be at stake. I suffered from an accident inside of my own home in XXXX when all of the sudden I was out of commission and struggling to regain my own health for thirteen consecutive months in a row since XXXX, XXXX. In XX/XX/XXXX I returned to my hometown and applied for Federal Student Loan Forgiveness or Cancellation due to my XXXX XXXX and  XXXX XXXX XXXX XXXX application that I completed with a Real Medical Doctor in XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX contact numbers ( XXXX ) XXXX. He has been a Family Doctor since XXXX. And in XXXX he and I together finally got approval for {$50000.00} Dollars of Federal Student Financial Aid or Federal Loans borrowed from The Federal Governments Department Of Education from XX/XX/XXXX to XX/XX/XXXX in the amount of {$30000.00} Dollars. My Social Security Card was stolen before my accident inside of my own home at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX email : XXXX XXXX XXXX Password : XXXX. The Hospitals Group Home for Adults needing 24 hour care was XXXX XXXX XXXX XXXX or XXXX XXXX, XXXX. Managed by XXXX XXXX XXXX that changed management in XXXX and is now called XXXX XXXX. ( With the Butterfly ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX. The workers there were XXXX, XXXX, XXXX, and XXXX XXXX Supervised by XXXX XXXX. My peers and roommates were XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Two people came into the Group Home about one or two months before I was to be XXXX  completely and understood that I had Federal Student Loans Outstanding with a balance due of more than {$30000.00} Dollars since XXXX. She told me about Federal Student Loan Forgiveness and that through, by, and with XXXX XXXX XXXX XXXX approved by an MD that my Loans could be reduced and possibly forgiven due to a XXXX XXXX and an Application Form Process that takes approximately one year to Complete inside the The Federal Government. XXXX XXXX made this process take six years. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and there were accounts open under my name, I have submitted identity theft report and personal letter to Experian but its been over 2 months and they have not done any useful investigation about it.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-XXXX is suppose to protect us against this type of stuff. Please help.

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 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I have file this report because I'd like to clear my good name.

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 2018-11-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Once again Ocwen is claiming ownership to the property address XXXX XXXX XXXX. 
I tried for a modification with Ocwen from XXXX. 
I stopped when I found out the loan was a fraud Ocwen has attached the loan to a backdated old debt which is time barr to collect and file a law suit Ocwen put a modification on the home in XXXX and never sent me the papers to sign. I only found out when looking at the statement they sent. I requested the modification papers with signature they could only provide a blank signed paged. 
Ocwen added another modification to the home in XXXX XXXX after telling me I did not meet the dead line of 37 days per their attorney Ocwen approved a modification without my signature again in XXXX. I contacted Ocwen and asked how did they approve a modification without my signature. They apologized and stated it was a good faith modification to help the consumers out. I demanded they remove the modification as their attorney had already admitted in a letter they were not in the origination of the loan. 
Ocwen now has the home for foreclosure and I have not been notified nor did Ocwen. Ocwen is pass the status of limitation to foreclose on the home. I have not sent any payment to Ocwen since XXXX when they stop taking payment as they claim to have obtained the loan via transfer of assignment Ocwen has not been able to prove the transfer chain from the origination of the loan. They are just going to take the home and not follow the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
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:
XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-11-17
Company: Innovis
State: AR
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 IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: DFC Global Corp.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I noticed that {$5600.00}, was taken from my momentum mastercard, which is a prepaid card sold at Money MarXXXX locations. I immediately called XXXX mastercard to get it cutoff so that no additional charges can be done. I was sent a dispute form with all the charges and told to email it back, which I did the same night. They said it can take up to 90 days but to call back in 10 business days because I can be reimbursed sooner. On XX/XX/2021 I was notified by two banks about my info being used to open credit accounts. On XX/XX/2021, I went to Money Mart to speak with the Manager at store XXXX in XXXX, CA and she positively identified her employee from my bank statement as the person who was transferring funds from my account to herself. Not to mention, the same employee was also fired for stealing money orders from the company.On XX/XX/2021 I spoke with XXXX at Money Mart head office and emailed the police report. On XX/XX/2021 I file a complaint with the DA office. Money Mart Corp. office is fully aware of the incident and I've been very cooperative, they have all the proof and evidence they need to prove negligence, fraud and identity theft but they have not reciprocated the same response. Its now, XX/XX/2021,14 days later and still I have no money, no response or corrective action taken. Im am mentally, physically and beyond exhausted with being treated unfairly by this company with bad business practices. I trusted this company to protect my personal information and finances and that trust has now been broken. They have not even attempted to notify other customers of the identity theft and fraud committed at the XXXX location as others could potentially be at risk. At this point my entire identity and finances is in the hands of a theft that Money Mart employed and trusted with their customers information. Money Mart is dragging their feet with the Investigation. There's no need for an investigation when the evidence is firm.I want others to know about this and to take my experience as a reason to take extra precaution when dealing with untrustworthy employees and companies. This is a clear case of them protecting there personal liabilities over public interest and its unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: KS
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/XXXX I sent out a detailed dispute letter to Equifax certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX. I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

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