BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
- XXXX had family hardship paying mortgage applied for a Modification received one which due to discrepancies the investor agreed defer 40 % + of principal to the end of loan 30 year term to allow for affordable mortgage payments of approximately {$1200.00} a month for 30 years. 
This worked until a few years later due to a loss in a family coupled with others loss of income caused another hardship in which I contacted ( servicer at the time ) Aurora & after informing the representative & the underwriter they agreed to modify the terms to allow the payments to be lower temporarily & the monthly payments will be lowered by approx {$100.00} a month. Few weeks later contacted Aurora representatives & expressed my concerns on the Modification being executed & was told that it's being processed. 
Until one day I followed up & was told the new servicer is now Nationtionstar. I contacted Nationstart & was told that I will have to reapply for a Modification. I apply & about 4-7 months later we receive a Modification offer that is twice or triple my Family 's total income. We call to inform them what Aurora states & told to reapply for Modification, we do & the cycle repeats itself. This has the same until my Housing Advocate submitted a escalation with the XXXX XXXX XXXX XXXX XXXX in XXXX alleging Nationstar/MR.COOPER failure to honor their agreement ( breach of an oral contract ) to provide an affordable Modification as agreed to in XXXX has caused financial loss from XXXX to date which os water fall option violation under the terms and agreement MR.COOPER/Nationstar has with the U.S. Treasury to date a.k.a . XXXX XXXX XXXX XXXX " XXXX '' agreement. 
My housing counselor has attempted to file an escalation request with Rscaltion Yeam but has been returned due to closure of that department. He was told that there may be an internal department that may process his request and has filed his request but as of to date has yet to receive a response. 
Meanwhile MR.COOPER has sent us a letter denying my request for them to honor what the investor 's agreed to back XXXX or just reoffer the XXXX Modification? 
In addition we are XXXX seniors with medical conditions that our doctors state put us at risk of XXXX & after receiving MR.COOPER last letter we are in Fear of bring foreclosed & knock-out in the streets during a Pandemic giving us not much opportunity for survival. Your assistance is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am behind one payment on my Bank if America Credit card. A few days after the bill cycle I started receiving anywhere from 3-5 calls a day M-F and text messages as well. I understand there is no limit for how many times they can call you, but at this point that is excessive. It was Bank of Americas Collection Dept. I finally called the back and instituted a cease and desist, but they then said they wont be able to call me period including if something happens regarding my account. I took that as a threat and understand it as, If we cant call you for payment, we wont call you for anything including if my identity or card is compromised. That is a threat to my understanding. The representative said they can call you up to 7 times in one day. Coming from someone who works for Bank of America I have no means of verifying this and that many times every single day can be considered harassment. I had received a callback from BoA between XXXX CST on XX/XX/2020 and was placed on their deferral list, submitted a complaint, and asked not to be contacted like that again and was reassured. 1 hour later they call me again and of course I have them blocked. The rep even had notes from the previous rep regarding my account. At this point Im concerned that Ill either still keep getting calls or Ill get no more calls including regarding the security of my account. BoA has put me in a lose-lose situation and at this point Im wanting to know what my options are and what I can do. I have attached two screenshots with redacted information regarding other inbound/outbound calls regarding today XX/XX/2020 when I had called from within the BoA app and opted in for a callback, followed by FIA calling again. I use XXXX XXXX XXXX in conjunction with my XXXX  silence unknown callers, so unfortunately only a few times I was called show up, including 2 on the same day, but I can reassure you they called me at least 3 up to 5 times a day every single business day since the beginning of 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 2018-09-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. 

I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. 

I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; Transunion, XXXX, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX XXXX submitted a letter stating account was 89 days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not 89 days 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 2020-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2021-02-28
Company: Experian Information Solutions Inc.
State: MS
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:
on XXXX XXXX XXXX  sent a dispute letter to Experian and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

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 2018-09-25
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My car had to undergo repairs at a shop in XXXX, Fl around XXXX of this year 2018. The store recommended, because of the amount of the cost for the repair, to get approved by a company who will do the financing, ACIMA from  Utah. Those people immediately called me and started sending me text messages for me to sign the " agreement '' OVER MY PHONE. They were giving me just minutes as deadlines to get the ball rolling and be able to take my car from the shop. Unfortunately, and due to the pushing and the deadlines, I did that and signed over the phone, without being able to read the " Agreement '' in its entirety. 
I had to leave the country on XX/XX/2018 and returned last XX/XX/XXXX due to a family issue ( death in the family ), and to my surprise, yesterday I received a call from ACIMA, telling me I was behind on the XXXX and XXXX payments because they were unable to pull the payment from the Card on file. My bank account got hacked during my trip and because of my circumstances abroad I didn't have my new card which was sent to my home in USA, and didn't even think about that payment coming out of my card either, but once I explained that to the person who contacted me yesterday, I asked him, just by chance, what was my payoff. That company is a total ripoff, they charge usury charges that are in the range of 100 % or more annual interest. The original amount being supposedly " financed '' was {$390.00} Dollars. they had me pay {$53.00} at the beginning, to them tell me that amount was " added '' to the " lease '', and that they are not " financing '' but " leasing the debt ''! 
Once I got back home I went online and was finally able to read the whole " agreement '' I was forced to sign over the phone without having a chance to read it. As per their agreement, the total amount I would pay if I waited 12 months, will be {$800.00} + dollars. That is more than a 100 % interest rate per year, which, as per my understanding, is illegal and a crime in the US based on usury practices! 
I spoke to a supervisor over there at ACIMA and she told me that if I had paid the whole amount back on XX/XX/XXXX ( just a week ago, and while I was abroad ), my payoff amount would be in the range of the {$400.00} 's dollars.I had paid them {$220.00} already, on a debt of {$390.00}, yet they are pretending to charge me {$75.00} dollars for not paying off on the XXXX, plus {$50.00} more for not being able to pull both payments, plus I am not sure what, for the total above or more! 
So that's where I am standing and I refuse to support those usury practices and pay those outrageous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have these inquires on my equifax credit report that i did not authorize below are the fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent out a check on the first of XXXX which was the due date of XXXX payment. And it was not received yet. So when it did not cleared yet I made a payment over the phone thinking that the check got lost in the mail. The next day both the mailed in check and the phoned in payment got deducted from my XXXX XXXX account, which put my account in the negative by a lot. I called M & T bank to tell them the problem and they refunded my phoned in payment. Then they informed me that the check # XXXX was rejected on the XXXX or XXXX. Which was not true according to my bank. So XXXX payment never was credited to my mortgage. Which left me behind. And I am still behind. Can't catch up to the payments due do the lack of work. And can not refinance or defer because they reported to the 3 credit company 's of the late payments, Which my credit score is bad now. Hope you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: The Outsource Group, 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: Account status incorrect

Complaint:
In XX/XX/2018, I sent a letter to XXXX concerning payment for a debt. I requested them to remove this debt amongst all the credit bureau 's if I paid off my entire amount. They responded and said yes they will. On XX/XX/2018, I spoke with a representative named Ms. XXXX. I again asked her if they would removed this debt if I paid, she said she would submit my request to a supervisor and for me to call back. I called back not too long after, and they again stated they would remove this debt completely off of my credit report. Up until XX/XX/2018, this debt has NOT been removed as stated.

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XXXX of 2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.

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 2019-11-05
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. 

Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. 

In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. 

Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. 

Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove the following unauthorized inquiries from my credit report XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   XXXX Inquiry Date XX/XX/2020 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 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
dates unsure, do not owe {$1100.00}, do not owe debt to this company, did not establish debt with them

Company response to consumer: Closed with explanation