BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our bankruptcy attorney never submitted a reaffirmation of the debt of our mortgage to the bankruptcy court. Our mortgage company , The Money Source ( TMS ) did not approve the reaffirmation and send the form in time to get signatures or get it to the court. TMS is on the XXXX coast and we live on the XXXX XXXX, it generally takes 7 days for First Class mail between the XXXX coasts. TMS sent the form on a Thursday and the court ( XXXX miles from where we live ) XXXX our bankruptcy on the following Monday. Even if the form was sent overnight, it would not have reached us in time. TMS 's lack of response to our inquiries, this reaffirmation issue and now this third regulatory complaint has caused us to suffer in our ability to repair our credit and will cost us higher interest rates for years because they state they are unable to report our perfect payment record to the 3 credit bureaus due to no reaffirmation. In seeking new legal advice we were told our bankruptcy case can not be revisited in court. There appears to be no legal remedy so it is up to TMS to resolve this issue. In our last regulatory complaint TMS responded in part with a letter showing our perfect payment record. We have asked for some remedy in the case that an attorney does not perform their legal duty as TMS claims and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Navient Solutions, LLC.
State: MO
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:
My loans through Navient were disbursed on XX/XX/2007 with loan 1 original principal of {$12000.00} and loan 2 original principal of {$10000.00}, both with an interest rate of 6.65 %. As of today my principal on loan 1 is {$22000.00} and loan 2 is {$13000.00}. When I looked at how my payments were being applied, I realized that nearly 100 % of my payments were being applied to interest. Of the {$7300.00} I have paid toward these loans, only {$710.00} has been applied to the principal. The Capitalized Interest has added {$13000.00} to the principal since there is practically no reduction in principal each year. My current balance is {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Bread Financial Holdings, Inc.
State: MD
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 anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received a scam call from a person who was impersonating an ICE ( U.S Immigration and XXXX XXXX ) officer, and I was fooled by this voicephising. So I had to make a money transfer of {$1900.00} from my Bank of America saving account to a person named XXXX at XXXX. He was planning to steal a total of {$3400.00}. He told me to send {$1900.00} first, so I sent him. He told me to send another {$1500.00} and I tried to, but due to the withdrawal limit of my saving account, it failed. He told me to try {$1400.00} then, but it failed again due to the withdrawal limit. At that moment, I realized that this is a scam trying to steal my money. So I immediately stopped making the second payment. I tried to cancel the first money transfer of {$1900.00}, but I couldn't reach to the bank due to high volume of customer service calls.

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 2017-11-18
Company: Nelnet, Inc.
State: CT
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:
On XX/XX/XXXX I initiated a complaint against Nelnet in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted Nelnet. Nelnet is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

Nelnet continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames Nelnet for reporting account balances after loans where consolidated XX/XX/XXXX.  There seems to be some conflict between the credit agency and what Nelnet is reporting and I am arguing with the credit agencies and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Working with XXXX has been a nightmare. After an accident, trying to obtain the proper documentation needed to close the loan has been made extremely difficult by the representatives. Each representative requests different documents. They say they'll send the requested documents and then don't. They have exceeded the XXXX business days. I have been hung up on multiple times. 
Specifically XXXX whom we spoke with XX/XX/2023 at approximately XXXX PST. He hung up on us previous to this call. However on this call we were denied to speak with a supervisor on multiple occasions. He refused to help us as requested. 
The refusal to assist and prolonging the process is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan has just recently been moved to LoanCare, XXXX XXXX XXXX, XXXX PA XXXX. Loan servicing was transferred XXXX or XX/XX/XXXX. Loan # XXXX. My loan is in the name XXXX XXXX XXXX. I divorced and took back my maiden name, XXXX XXXX XXXX, but all loan documents are in the name XXXX XXXX XXXX. With XXXX XXXX XXXX, FI that my loan originated with, I reapplied and paid a fee to have the ex-husband remove from the loan. However, LoanCare has his name showing on all correspondence that I receive from them. I have contacted them about this issue but nothing has been corrected and no communication to me as to what they are doing about it. I will attach the documents from XXXX XXXX XXXX  in XXXX. I recently received notice from LoanCare that my monthly payment will increase due to my escrows. I can understand an increase but they are increasing my monthly escrow payment by double. I am registered with their online service and can see my mortgage loan information. I can view the escrow tab and it is plain to see why they are calculating incorrectly, because they have entered my property tax bill twice. The first time I tried to call, I was put to Escrow Dept and the recording stated I would have 1 hour wait for someone to answer. I waited 45 minutes and decided they probably would not answer my call even in an hour. I have attempted to contact them and have talked with Customer Support and they tell me the incident will be reviewed. I was told I would hear on this issue by XX/XX/XXXX, but no response. I called Customer Support XX/XX/XXXX and that person told me that I would be contacted within 24 hours. Those hours have gone by and no contact on the escrow issue from LoanCare. I was given a reference number 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 2019-01-08
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over 800.

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 2018-09-12
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Best Buy Credit Card through CitiBank credit inquiries won't go away and are excessive in timing. Their cards are paid in full and they won't help in removing hard pulls because they insist they only do soft pulls. This is damaging my Equifax Report. Please help with removal. 

CITIBANK NA., BEST B Inquiry :XX/XX/XXXXCITIBANK NA., BEST B Inquiry :XX/XX/XXXX CITIBANK NA., BEST B Inquiry : 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 explanation
Consumer complaint received 2018-03-16
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Daily I continue to receive phone calls from Sunrise Credit Services , INC on my work cell phone attempting to collect a debt. I have asked them repeatedly not to contact me during business hours ( XXXX M-F ) as this is an interference with my work. They still continue calling me multiple times a day during business hours with far less than pleasant attitudes. When I answer and ask again and inform them this is the 10th, 11th or 12th time I have requested that they refrain from contacting me during business hours, they get angry, hang up on me and call again. I have even warned them that I would be filing complaints with the Attorney General and CFPB if they did not stop. Today I have received more calls from them. This is becoming a huge issue with my work.

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 2018-03-16
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I bought a home in XX/XX/2017. When we closed on the property taxes were taken out and prorated for the upcoming year. However, the mortgage company raised out mortgage and collected for 2 years of taxes and increased our mortgage by over 1000k dollars making the home unaffordable for us. I have tried speaking with them and every time I speak with them I get a different answer. I'm looking for them to honor the agreement we had in place. to raise our mortgage payment by 1000 dollars unexpectedly puts us in a financial bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX   XXXX {$670.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX XXXXXXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Orion Capital Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A family member was contacted by Orion Capital Solutions regarding a debt for me : I'm not aware of who they are or what they are referring to. I have not been contacted by them before and I find it concerning that they are contacting family members and possibly my employer without contacting me and without my consent.

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 2017-11-18
Company: Experian Information Solutions 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:
XXXX and Experian are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!

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 2018-03-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: SC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, 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

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