BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was in forbearance for XXXX XXXX during XXXX. I started receiving letters from XXXX XXXX XXXX that I needed to start back making payments after the end of forbearance XX/XX/XXXX. I was told my payment would be XXXX ( this not the exact amount because I cant remember the exact amount. ) I notified XXXX that I had divorced my husband on XX/XX/XXXX, XXXX and I had legally changed my name back to my maiden name if XXXX XXXX XXXX requested documentation of the divorce and my name change which I did. When I received my loan modification paperwork they had my then ex husbands name on the paperwork with a new payment of XXXX and some change. Each time I would receive new loan modification there was still name errors on the loan modification. This continued up until XX/XX/XXXX when my ex husband died. XXXX requested his death certificate which I provided. This loan company could NOT get this straightened out with my name change and removing him from the loan papers. I would call XXXX each month which during this time my new house payment kept changing by increasing. The last loan modification I received was XX/XX/XXXX which showed my payment to be the XXXX payment due XX/XX/XXXX which I didnt receive until the first week of XXXX. Today I became completely fed up with the underwriters handling of my loan modification so I called XXXX and spoke with a person who kept talking over me so after 20 minutes I hung up. I later called back and spoke with someone when the phone began to have so much static I could not hear anything she was saying. The next thing I know I was put on hold. After 35 minutes I hung up. I called back later and spoke with a call taker. She advised she saw that my payment is XXXX due XX/XX/XXXX. She told me she was going to put me on hold to talk to someone in loan modification when after 44 minutes I hung up. I do not think I should have to pay a higher payment due to their incompetence and the interest rate increasing. This has been a complete nightmare!

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 2017-10-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXX executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.

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 2017-12-26
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I just recently got the auto title loan due to rising medical bills. I was in this hospital for over 2 months, I 'm in XXXX, XXXX XXXX and have medical appts and tests that may XXXX XXXX XXXX XXXX due to being 7 days late on paying the payment. While at the grocery store with my son ( XXXX XXXX2017 ) we walked out and my car was gone. They simply told me oh I 'm sorry you should of called us but now you have to pay this fee and that fee which total to almost {$2000.00}. I told them its kind of hard to call when your in XXXX and cant talk because you have XXXX coming out your neck. They had 3 wrong numbers listed as my number when a gentleman called me on my cell confirming payment for the month prior. Thenthe following day they called me again to find out my payment status and I told them once again that I have my medical devices, medical papers and my social security forms in my car and my son and i walked home ( 4miles ) crying with groceries in our hands and it was 32 degrees outside the male told me well you can pay the repossession company to get your belongings back and the letter of intentions was already mailed out to you so are you going to pay the amount due which doubled over night. Im on a fixed income and now do n't have transportation period. But I will get my car back and will make sure these rude, uncaring and hostile employees keep getting in trouble for their deception ways

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
ok.. im so very sorry to do this again.. but my concerns are if everything esp..from here on out isnt documented or monitored is going to do us no good with ocwens history but it does seem to be that we have been able to speak to the same person more than once now and that he hasnt been giving us different answers but that is not to say that 2 weeks from now we wont have a different relationship mgr with different answers and rules..i know you guys absolutely hate me but im just a mother trying to save our american dream ... ..on this last trial offer you are making us..it says that all liens must be free and clear.. before the permanant modification, so since you have been paying our taxes since you took over our loan ... is it up to you to clear this up or up too us? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company reported multiple inaccurate late payments on the account I am making on-time payments on my account and I have a proof that all the payments are all submitted. Late payments you reported in XXXX and XXXX should be removed. I already disputed this account which clearly shows in the Dispute section of the credit report but you fail to correct and do the necessary investigation on this account. The payment I made on XX/XX/2020 shows as current, but the payment I made XXXX and XXXX are showing as late. I do not want to waste my time and money sending dispute letters to this company and they still continue neglecting their duties on reporting the account with 100 % accuracy. This needs to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to pay the entire balance of my credit card. 5 day later my account has not be credited by the payment has been taken out of my account. When I called to point this out, I was told there nothing they could do and just argued with me. I asked for my money back since I got nothing for my payment and was hung up on.

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 2021-08-18
Company: NRA Group, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered vitamin supplement from a company called XXXX XXXX account XXXX. 
This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. 
Appears everyone was covered but the consumer here!!!

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 2022-03-17
Company: EQUIFAX, INC.
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:
I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on XXXX alone! XXXX to today. 

1. Equifax Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with Equifax about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( No Change reported ) 2.XXXX  XXXX did do the right thing and tried to help BUT! I'm back @ 11 with them. 

3. XXXX Dispute Submitted XXXX also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Around XXXX XXXX I requested a payoff figure from my mortgage company, Pacific Union Financial. I received a payoff statement dated XXXX XXXX, XXXX with a total amount to pay the loan in full of {$150000.00}. Ive been paying the same monthly mortgage payment since then. When we accepted an offer for this house in XXXX XXXX, it was based on the fact that the payoff should have been somewhat lower than the XXXX XXXX, XXXX payoff figure. We negotiated the sale of this house using the {$150000.00} as the maximum wed need to clear in order to pay off Pacific Union. 

I requested an updated payoff figure from Pacific Union to get a better estimate on what to expect financially at closing on XXXX XXXX, XXXX. To my surprise, I received a payoff statement dated XXXX XXXX, XXXX for {$150000.00}. This is {$4600.00} more than the XXXX XXXX, XXXX payoff figure. This is a problem as we 've broken ground on another home. The additional {$4600.00} Pacific is now expecting in payoff contradicts what they sent me in XXXX XXXX. 

Pacific Union has admitted that they made a mistake with the XXXX XXXX payoff statement. However, theyre expecting that were to pay for their error at our XXXX XXXX closing. 

I expected that the official statement Pacific Union sent me in XXXX was accurate. I used payoff figure to negotiate the sale of this house. The payoff should not have increased. 

I brought this discrepancy to their attention through their online messaging system and faxed them all the documentation they requested. They are now telling me I need to address this issue through their dispute department further delaying the settling of this issue. Time is of the essence as it 's now XXXX XXXX. This unresolved issue it too close to the closing date of the sale of this house. Since they were faxed all of the documents, at their request, they should have forwarded my complaint to their dispute department. 

Pacific Unions mistake could ripple effect into us not being able to honor our sales contract on this home ; which will cause the people ( also vets ) that purchased this home to not have anywhere to live. Their error will then release us from the contract on our new home ; and, none of the real estate agents involved will receive their commission. Their error is far reaching. 

I 'm attaching the two official payoff documents received from Pacific Union along with the envelopes they came in and the fax to them. I 'm also attaching the email traffic I 've had with Pacific Union in their online system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Bread Financial 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 report act Comenity bank/ XXXX, XXXX XXXX XXXX XXXX XXXX credit card has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an collection reporting from XXXX XXXX I have on numerous occasions mailed documents to XXXX XXXX  requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.

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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i have a capital one venture card i 've been with them for quite some time. I 've called them couple of times to help me pay off my credit card faster by lowering my APR from 19.99 to a  lower one but they refuse.debt relieve programs are n't a option for me because they want me to close my credit cards and i need at least one for emergency.i have n't once been late with my payments throughout having this card.i think deserve a break from a high APR.if capital one cant help me by lowering my APR my only option is bankruptcy and I 've already  talked to a bankruptcy attorney he said he will get all the documents and papers ready to file. If they cant lower the APR postponing my payments for some time will help me but saving up the money and paying it of that way. but 19.99 % apr is ridiculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions

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 2019-07-11
Company: EQUIFAX, 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:
Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX/XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : Equifax # XXXX, XXXX # XXXX and XXXX # is 2003 but all are the same account being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an email alert from BOA that my account was under {$25.00}. I looked online to find that there were a number of withdrawals ( 5 ) each for {$300.00}. Each also came with a {$2.00} fee. I did not make these withdrawals. I immediately headed to the nearest BOA, on XXXX here in XXXX XXXX to say that money was being stolen from my account. I made a fraud claim on the phone at the bank. They gave me a temporary debit card with only {$16.00} left and said it would take up to 45 days. I asked for more help but the teller would not respond. 

A few days later I called the number on the back of the temporary debit card to ask about my claim. She said that it would take up to 90 days and kept transferring me. I offered to fully cooperate with the investigation, asking them to look at the video tapes of the ATM and that it would be immediately apparent that I was not the one making the withdrawals. There has been no other contact and no other way to contact BOA. No credit, no communication.

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 2019-07-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an collection reporting from associated credit I have on numerous occasions mailed documents to associated credit requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.

Company response to consumer: Closed with explanation