BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.

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 2019-07-16
Company: CORELOGIC INC
State: AL
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:
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/2019 I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/2019 and XX/XX/2019 and I'm being met with opposition. XXXX XXXX XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. CoreLogic aka Credco is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.

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 2018-01-22
Company: U.S. BANCORP
State: NV
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 went to apply for a checking account at US Bank in XX/XX/XXXX. When I applied I I was told by Assistant Manager XXXX XXXX that I will pre approved for a line of credit. I asked him several times if I decided to proceed, would this be a hard inquiry on my credit report. He ensured me that it would not be a hard inquiry it is a soft inquiry. I then decided to proceed. He also stated that I would have 30 days to apply for a credit card using this soft inquiry. The next day decided to try to apply for a credit card after knowing this. That same day I got a credit monitoring alert from XXXX and XXXX which showed a hard inquiry on my credit reports. I called and spoke with XXXX about this the next day and he stated that " he never said it would n't be a hard inquiry. '' He is then told me that I would have to send in a claim to there claims department. I called their claims/fraud department and started a dispute with them. A few weeks later I received a letter stating these inquiries we 're verified. I decided to call the branch back and I spoke with the branch manager XXXX XXXX. XXXX stated that there is some information on his end that needs to be submitted and offered to call me back. He called me almost a week later and said that he submitted the necessary information so that these can be taken off. It has been nearly two months since he told me this and the inquiries are still showing on my XXXX and XXXX credit report. I have not contacted them back since because at this point I 've lost faith that they did their beat to rectify the situation.

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 2019-07-16
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX  '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: PA
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:
I have both federal and private loans. XXXX XXXX sold my loans to navient. Since my interest rates have sky rocketed, they have called my family members threatened to take my co-signers belongings. We have copies of all notifications and threats. I have been working with premier documents, but that ends in XX/XX/XXXX,  what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: General Motors Financial Company, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Our firm was hired to negotiate a settlement between the Loan Servicer and our client ( the Debtor ). When trying to get information with the loan sevicer they refused to work with me even though we have sent our  Third Party Authorization several times. 
GM financial is in violation of Regulation V XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: UT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has frequently called my phone number, my family members phones, and my work phone numerous times a day. After finally getting sick of her annoying attempts, I emailed her and told her to not contact me any further at work on XX/XX/18. After I sent that message she decided to send a fax over to my work. Since I sent in writing that she was not allowed to contact me and she did, she has violated the fair debt collections act. I informed her I would not speak to her until I consulted with my attorney as after I spoke to someone last month and received my paperwork I noticed on my loan amount that XXXX XXXX had crossed out the amount that I wrote in and doubled it. Since I did not authorize that and was not told of it, that would be a fraudulent charge and I need to speak with my attorney on what I should do. XXXX has called me about 5-6 times a day since XXXX begin, every single day, she called my family members harassing them as well and now she is calling my work 2-3 times per day as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in 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 Commision and I also have enclosed copies of 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 2021-12-04
Company: Bread Financial Holdings, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
A charge was made on my Legendary Pine Master Card on XX/XX/XXXX at XXXX XXXX XXXX XXXX FL for {$460.00}. Called the XXXX XXXX on XXXX to dispute the charge. They said it was for family counselling- we have not been to XXXX in over 20 yrs plus we have medical insurance that would cover that. They removed the charge but reapplied it in XX/XX/XXXX and I received a letter dated XX/XX/XXXX stating they can find no basis to support the claim. Called XX/XX/XXXX and they were going to reinvestigate. Called XXXX and said the same thing. They said they called this company and got no answer as did I - the business dissolved XX/XX/XXXX and I have tried calling the phone number associated with it and no answer, XXXX XXXX said for me to file with my local sheriff office. I have had a bogus charge on another credit card and they actually contacted me and resolved it. Legendary Pine MasterCard can not prove that this charge is legit as they can't get ahold of the company that charged it,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ACIMA CREDIT, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
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:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX/GAP/TJ max, JC Penny, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the hell that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

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 2018-01-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX/XXXX XXXX XXXX to inform them that this debt do not belong to me and that this debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRUHOME SOLUTIONS, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company refuses to disburse insurance proceeds and has been holding onto those proceeds while collection interest on our money. Are they in violation of any Federal Statutes? 

We have a VA backed loan with TruHome Solutions ( the mortgage company ), and they are demanding that we must use a licensed contractor with a signed contract, XXXX, waivers, etc, in order to receive incremental draws from the last $ XXXX check paid out by our flood insurance company. ( The outstanding balance of our home is around $ XXXX and our home is worth pre-flood $ XXXX. ) We have made multiple attempts to reason with them and in agreeing to take the incremental draws with periodic inspections as the work progresses. But they are adamantly refusing. 

Per the Texas Office of the Attorney General, Consumer Protection division, Texas does not require any contractor to be licensed. Nor do we see any provision in our signed deed of trust with the mortgage company that requires any such. In fact, section 11 of that document states in part, regarding Assignment of Miscellaneous Proceeds : If the property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lenders security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lenders satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. 

It appears clear to us that unless there is some other document we signed which states otherwise, TruHome Solutions is in breach of our contract in refusing to quickly inspect the property and release the funds. 

One other potentially noteworthy factor is that we are still displaced and are currently in the FEMA Transitional Housing Assistance program going on some 4+ months now. And while we appreciate the assistance, we would prefer to save FEMA funds and get back into our home ASAP. 

Thanks in advance for your help with this. Let us know if you need any more details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: WELLS FARGO & COMPANY
State: MA
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:
My loan was paid off by another lender to Wells Fargo and they are still listing this debt as charged off and closed. They agreed to reflect this debt as paid in full and remove any negative items but continued to show this debt negatively impacting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation