BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare had a program to allow for a loan modification which had a closing date of XX/XX/XXXX. I submitted the application, but it was " removed '' by LoanCare before XX/XX/XXXX. I was repeatedly told to resubmit applications, and have been provided with e-mail addresses and fax numbers by LoanCare representatives which were not in operation. Within a few weeks of each application, I was FALSELY informed that I did not sign any of the applications and attendant paperwork and told to resubmit the loan modification documents. This has happened about five times since the whole process began in XXXX of XXXX. I was again told on XX/XX/XXXX that I did not sign the application. This is patently FALSE, and this is an obvious subterfuge to tire me out and cause me to not follow up on further loan modification applications. I really wish that the CFPB would intervene, given this bad faith pattern and practice.

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 2020-09-24
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$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 non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} has violated my rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, Short description : Experian enrolled and charged me for several months of a credit monitoring service, when all I had ordered was a one-time credit report. See my attached letter and their response, along with my receipt for the one-time report.
When shopping for a car in XX/XX/XXXX, I ordered the single report and was charged {$5.00}. In XX/XX/XXXX, I noticed a recurring charge from Experian on my XXXX XXXX statement. I NEVER ENROLLED in a recurring monitoring product. I never USED this product.
<P/>
When I contacted Experian, they claimed I had signed up for a 7-day trial membership. I did n't do that ( and certainly not knowingly ) - and how would that be consistent with the receipt I received for the one-time credit report charge?? ( Furthermore, from looking today at their website, it 's not even clear that they have a 7-day trial product. ) As their response indicates, Experian clearly would rather be able to say " GOTCHA! '' than deal fairly with their customers. It 's interesting to me that many merchants make a different choice. As but one example, I get an emailed receipt EVERY MONTH from XXXX for XXXX XXXX for the added space in my XXXX account. If Experian followed the same reputable business practice, I would have realized immediately that there was an issue and could have resolved the problem before several months of their alleged charge had piled up.
<P/>
Thank 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 monetary relief
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke with XXXX at Capital One employee identification ( XXXX ) that I owed on a debt that I have already informed Capital One in writing that cease and desist has been sent and received by certified mail. She then placed me on hold and told me I owed money and was 61 days on an account that I am pursuing Capital One through legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We went into Forbearance XX/XX/XXXX due to Covid after the first six months I contacted the mortgage company requesting additional forbearance it was pending still as XX/XX/XXXX I contacted the mortgage company XX/XX/XXXX to make the payment to come out of forbearance. I was told I need to make a payment of {$26000.00} and since my second for Forbearance was never granted. We we giving no such notice nor did we received any notice to state that.and I was told I had to pay that money upfront and nothing was put on the back end of the mortgage. Ive now tried to make two additional mortgage payments the past two months and the {$26000.00} has not been deducted from my account. I am currently trying to refinance my home and this is stoping it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: SYNCHRONY FINANCIAL
State: IL
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:
Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX police report was filed and file number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was fraudulently used at various ATMs in XXXX after I went to get some medical work done XX/XX/15. After my card being denied the next day, I attempted to call wells fargo but my cell company wouldnt allow the call to go through. When I returned to the US on the XXXX I immediately contacted wells fargo and submitted a claim. I mentioned to them the entire situation and was rudely told to wait the 14 days. I cant wait 14 days to feed my family and keep a roof over our heads. This is truly bullying and I cant do anything 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 2021-03-08
Company: LDF Holdings, LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called Multiple times to pay my loan in full and every time I called they said someone will call me, well no one called me. I waited all day someone called me from an unlisted number. that number that you can not call back then as soon as I pick up the phone they hang up immediately. I tried on the website I try to pay in full then they change the website configuration to where only shows an outstanding balance of a loan and your loan ID. I called multiple times I got the runaround it wasnt until I submitted a complaint with you guys and the XX/XX/XXXX did somebody finally called me and then took my information and said it would take two or three days .... still has not cleared and Im afraid they will continue taking money out of my account. Below is an email sent to me by them. This is a predatory loan business specifically they go out of their way not to let you pay a loan in full for a loan of {$600.00} by the time is paid in full you pay almost {$4000.00} My loan number is-XXXX NationalSmallLoan.com XX/XX/XXXX, XXXX XXXX National Small Loan XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2021 Dear XXXX XXXX, Thank you for recently sharing your concerns with National Small Loan. 

Your complaint has been received and has been forwarded to the appropriate department for further review. Once that review has been completed, we will reach back out to you. 

If you have any additional concerns or questions, please do not hesitate to contact us. When responding to this email, please be sure to include your full name and last 4 digits of your Social Security Number for proper identification. 

Sincerely, National Small Loan www.nationalsmallloan.com XXXX Phone : XXXX Fax : XXXX Notice of Confidentiality : All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be NationalSmallLoan.com 's exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have paid my account in full I received a letter stating it would be removed and still showing 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX Transunion and XXXX are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )

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 2022-04-26
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from someone who says that she is representing a law firm about a debt that I owed to a Bank in XXXX. The Bank in question is XXXX XXXX. 
She stated that paperwork was sent to me that stated that I could work out a payment plan to pay off the debt and that they had not gotten a response from me so now the firm that is representing the client is now asking for the amount in full. I needed to make the payment to them right now. This was a voicemail, and when I returned the call the following business day she had all of my personal information, including my social security number and my previous address. It sounded legitimate. I confirmed that I previously had a checking account with that particular bank, but it was 13 years ago. I told her that I needed to see the paperwork that she stated was sent to an address that I no longer lived. She never asked me for my current address so that she could send the paperwork to me, but she kept asking me if could settle the account today. I told her no, and she stated that she would see if they would be willing to contact the client to ask if the original offer could be made to set up a payment plan. we hung up, but I then called the bank that I had this account with and I was told that the bank would not call you if you owed them money, they would report the debt to XXXX. This person also called and left a message on my daughter 's phone, but it was from a different phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: NM
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:
Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient removed me from the Income Based Repayment plan in which I had been enrolled following graduation in XXXX. They stated to me that I no longer qualified for regular IBR and would be required to enroll in the Revised-IBR. 
- Representatives and even the Office of the Advocate refused to explain how the Revised-IBR works nor why I no longer qualified for Revised-IBR - My payments have been artificially high and with this new program my husband was made to share in the responsibility for my loans but his name is not on any of them - The last time I took out a loan was for the XXXX academic year so I do not understand why I am being subjected to these new rules - When they first rejected my IBR request in XXXX, after I had already been enrolled in the program, my payment was set to exceed {$1900.00} per month - I was under the impression that I have the right as a borrower to enroll in the program of my choice. They denied my IBR request. Being forced into the Revised-IBR without knowing anything about it further violated my rights because Navient should have been able to provide an explanation as to why they were denying my participation in the IBR and forcing me into the Revised-IBR I just learned about the Revised-IBR approximately one week ago, after two years of struggling to lower my payments and filing with you previously for assistance. I discovered that this program is for individuals who are in high earning fields with an expected income that will at some point near, meet or exceed the loan amount. That is not me. 
- I am a XXXX and I have no expectation that my income will even be a fraction of the amount of my loans because I have not been able to find stable work in my field - I have been consistently XXXX or XXXX since graduation in XXXX - The shared responsibility places an unduly harsh financial burden on my family because my husband is a XXXX. To pay both his loans and my loans requires that we choose between buying food and paying our rent or paying my loan because we can barely afford his - We have XXXX kids in college now as well so our financial situation has changed even further Navient has also stopped communicating with me and I am no longer receiving e-mails regarding my account. I did find a document on my account that stated that my loan would be going up to over {$2000.00} per month which is more than a paycheck but this document was not sent to me. Now, I ca n't even find that document on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Pages 1-2-2a of the attached correspondence to PHH Mortgage summarizes my complaint, and its denial of my request. PHH assumed servicing of my deceased father 's reverse mortgage in XXXX of this year from XXXX XXXX  I am a co-executor of my father 's estate and the Personal Representative of his life estate. 

My father passed away in XX/XX/XXXX. I notified XXXX of his passing, indicating that we would be selling the home Per XXXX 's instructions, if additional time was needed to sell the home ( att page 3-4 ), I again contacted them requesting as such in order to complete a sale ( att # XXXX  ). The MLS listing was provided. I received no reply to this letter. 
On XX/XX/XXXX, I contacted PHH, now the servicer, advising that a purchase offer had been accepted, and that we anticipated a closing in late XXXX. I requested a payoff statement at that time. I received no reply until 5 weeks later ( att # XXXX ). Unfortunately, when finally received, the payoff included {$3000.00} in previously undisclosed fees ( XXXX ) I believe we precisely followed the FHA servicer 's instructions, but unfortunately never received replies to any of our correspondence. The total lack of timely communication by both servicers caused this problem. As an aside the XX/XX/XXXX letter which PHH claims it never received, was sent electronically to BOTH XXXX and payoff @ phhreverse, com, per PHH instructions. *

Company response to consumer: Closed with explanation