BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: Mobiloans, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Approximately  XX/XX/XXXX  I  took out a loan online for {$840.00}. I was charged a {$71.00}  cash advance  fee, also. I have paid them {$1100.00} to date, and still owe {$530.00}. I am a   XXXX   XXXX   resident, and I have found out this loan is not legal in my state, and it violates   XXXX   XXXX   XXXX   Civil Usuary law NJSA  XXXX . They are harassing me, even calling my work phone numerous times daily. I understand I am owed the excess amount I paid over the loan amount. I will no longer make payments on this illegal loan and wish for them to Cease & Desist calling me, my employer, and anyone else to try to collect on this.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-15
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:
DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XXXXXX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX Inquiry - New Inquiry - XXXX XX/XX/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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.

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 2019-06-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo repairing my credit history and coming with a far better compensation than the {$50.00} shady check, that if we were to cash it, would immediately mean we have agreed that this issue was resolved to our satisfaction, when in reality, is the exact opposite.

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 2018-01-29
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:
On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-15
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has leased an apartment in XXXX at XXXX XXXX located in XXXX XXXX, SC. I was an occupant of the property and not a leaser/guarantor for the lease. The company had an outstanding balance on the lease that was finally settled by the company in XXXX but the collection company National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX had placed this as a collection account on my credit negative effecting my credit. This derogatory account on my credit is stopping me from closing my home this week ( XX/XX/XXXX ) potentially jeopardizing my interest rate lock. 

I have attached the letter from the landlord with zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-15
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In correspondence to complaint number XXXX My sincerest apologies for making another complaint in regards to the same situation. But I received correspondence from PNC. It's very telling of the situation I'm in. Again, I was suppose to receive a check from the remainder of my balance that was closed. Well I received a account summary with the wrong account number. It shows the deceptive nature PNC displays to consumers who they believe are unaware. I believe this stems from my conversation with XXXX XXXX and maybe this was done by her behest or it's a part of PNC underhanded policies. But I have two uploads. One of a checking summary with the account number XXXX ( it's typed XXXX ). And another with the last XXXX of my checking summary. Also I never got written statements, everything was paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: MA
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:
I am a   XXXX   and have been   XXXX   XXXX   in a low-income   XXXX   XXXX   continuously for the past 5 years, so I am now entitled to some   XXXX   loan forgiveness on my loans. I submitted the correct form to both Navient and my other loan lender  ( F ed  Loan Servicing   ) . Navient never e-mailed or called to let me know that they received my form ( on the other hand, Fed  Loan  did confirm with me  ).  It has been more than a month since I mailed my form in and Fed  Loan  has already responded to me with a decision about my loan. Navient has yet to contact me. I called to check on the status of my form submission to Navient ( on  XXXX  ) since the other lender had already processed the form completely. The customer representative at Navient then told me that my form had not been received yet, when I pressed several times and said that that was shocking given that I mailed the other company the same form at the same time and they had already processed it, finally the representative told me that they did in fact have the form submitted and that now it would take between 60 and 90 days to process it. The other lender processed the form in less than 30 days from the time they received it, so it seems VERY inefficient that Navient needs to take 60 - 90 days to process the same form. I need to submit additional paperwork to Fed  Loan  and they informed me that my loan would automatically still be deferred once they receive this paperwork while they process it. My loan is supposed to start repayment for Navient in 30 days, less than the  60 - 90  processing days they claim it takes to process the loan. So, I asked for that same deferral that the other lender offered  (  Navient did not offer this to me on their own, which seems crazy because if you did n't know that that was an option you might think you had to repay your loans when you did n't!  ).  When I asked for this, the customer representative from Navient then proceeded to ask me about my employment status, my marital status, my household income - questions that should not have been asked for the company to defer my loans because they were taking a long time to process a forgiveness form!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MI
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 without 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 719XXXX 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 XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on   XX/XX/XXXX    . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment  (  {$86000.00}  ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional  Deferred Balance Adjustment  of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX  away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.

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 2017-12-30
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

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 2022-02-15
Company: EQUIFAX, INC.
State: MN
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:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX  XXXX Balance {$1200.00} Collection XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Maam : I am writing to dispute the following information in my file : Freedom XXXX Home Loan, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and Freedom XXXX. I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you Freedom had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a 30-day late in XX/XX/2021 for a missed payment that both companies stated was not due because of Escrow. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to Freedom Mortgage, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
During the process, I was also losing my husband to XXXX and was his full-time caregiver. I truly feel taken as advantage of. I am XXXX ( XXXX XXXX XXXX ) and have been spoken very rudely to by Freedom Mortgage on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.

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