BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Working with Quicken Loans to refinance our home and pull some of the equity out to pay off credit card debt. This house was originally bought by my partner, solely in his name, but during the refi, we were going to add me to the mortgage. We were told this would be no problem. Quicken represents themselves as a " no hassle '' mortgage company, however, in their haste to have people sign documents and upload them directly to their app, they have forgotten one very important piece : information. Not once was any of the documents they asked us to sign explained to us and when I called the broker whom we originally began working with, he told us to call the customer care team. The customer care team, of course, knowing nothing of our situation ( or having any basic customer service skills ) could not explain what the documents meant and we were told just to sign them because it would hold up closing otherwise. 

We were supposed to close on Monday, XX/XX/2019. They asked my partner if it would be okay to run his credit again since it would be " expired '' prior to the closing date. He gave permission. In adding me to the loan, they had already run my credit within the previous 2 weeks. I got an alert that they had also run my credit again. I did not give permission for them to do that, nor would I have, knowing that a hard inquiry would lower my score. I addressed this with the broker, who said she didn't mean for the credit team to run mine as well and she was sorry. Sorry that her mistake has now effectively lowered my credit score? That is not a mistake that you can just take back. It lowered my score 10 points because of the back-to-back inquiries! Yes, I can dispute it with the credit card companies, but why am I left holding the burden of time and energy spent to do that when Quicken made the mistake? Isn't it unlawful to run someone's credit without their permission or knowledge? ( They did this on XX/XX/19 ) If only that were the primary issue. Absolute lack of knowledge, communication, consumer education, and ethics plague this company. Needless to say, we terminated business with them and are no longer refinancing through them. We are out our {$500.00} appraisal/good faith money, have damaged credit scores, and nothing to show for it. 

I have correspondence with the broker, who fully admits that she did not intend to have her 'credit team ' run my credit again. This is illegal and unethical and I intend to seek every avenue possible to make sure this doesn't happen to any body else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: MOHELA
State: NY
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:
Utilizing a proactive approach, I am presenting my issue with my loan servicer MOHELA before I am falsely placed in a late payment or default situation. 

With the resumption of student loan payments in XX/XX/XXXX, I was initially with XXXX before being transferred to MOHELA towards the end of XXXX. 

Due to a late transfer, my first XXXX payment was due XX/XX/XXXX. At the end of XXXX, I paid in full my student loan payment of {$350.00}. 

After payment, and after the XX/XX/XXXX payment due was posted. I began making intermittent payments towards my XX/XX/XXXX payment. On XX/XX/XXXX, my balance due was {$160.00} for XX/XX/XXXX. On XX/XX/XXXX, I submitted payment of {$160.00} to pay my XX/XX/XXXX balance in full. 

After completing this payment in advance, a new balance of {$130.00} appeared on my account, due XX/XX/XXXX. Confused, I submitted a payment on XX/XX/XXXX for the balance of {$130.00}. After this payment posted to my account, my balance remained {$130.00} and indicated it was due XX/XX/XXXX. 

On XX/XX/XXXX, I called and sent a message to MOHELA. I spoke with a customer service representative. Initially, the customer representative told me the balance was because I was behind in payments. This quickly changed when I informed her that I did not start repayment until XX/XX/XXXX due to transfer from XXXX. As a result, she acknowledged the error on MOHELAs end and indicated this would be rectified on my account. 

It is XX/XX/XXXX, I still have a balance of {$130.00} due on XX/XX/XXXX. I sent a message to MOHELA again with no response. 

The issue, I have paid above and beyond my required payment for XX/XX/XXXX, and it does not appear that MOHELA is going to fix this issue as verbalized to me on XX/XX/XXXX. 

I am being proactive, as I do not want to be falsely accused of making late payments or defaulting on a student loan. I do not intend to make an additional {$130.00} payment for XX/XX/XXXX, as I did this on XX/XX/XXXX. 

I am hoping that you can be of assist, as I will continue up the chain until this is rectified. I submitted a complaint to Federal Student Aid ( gov ), however I am still waiting for their XXXX day response time from an XXXX complaint. As a result, I dont expect a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
During all of 2023, it has been a war with Mohela to get them to do their jobs. Before the payment pause was lifted, I spent hours on hold and enlisted XXXX XXXX 's office to intervene on my behalf. I have submitted employer forms manually and electronically and it has been more than 60 days and they are still not processing these forms. 

They are also not updating the payment counts -- the last payment count on my account is from XX/XX/2023 -- even though XXXX is half over and XXXX and XXXX both qualify. 

***If they charge the gov't by month, per open loan, they are currently conducting fraud. *** XX/XX/2023 was my final month of payment -- XXXX payments. I submitted an employer certification form on XX/XX/2023. Another form was submitted in XX/XX/2023. It is now XX/XX/2023 and my loans are showing a payment due on XX/XX/2023 even though my loans are in the newest Mohela incompetence payment pause. 

I need my forms processed, my payment counts updated and to obtain my promised PSLF forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
I contacted the company experian on the date of XX/XX/2023 and froze the card from making charges from when i became aware the day before. They did not take much, so I caught the problem in time and requested my credit report by mail so I could resolve the issue.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

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 2023-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are companies out there looking for my personal information, and one of them showed up on my credit report. I wasn't familiar with this company ( XXXX XX/XX/2021 ), but it looks like they put in an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose, which is outlined in U.S. Code & 1681 es seq section 604. If they don't have a legitimate reason to be looking into my credit, I'd like them to remove this inquiry from my report or send me documentation proving that they are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The student loan US DEPARTMENT OF ED was not transferred. This is not correct at all. I paid the account as agreed, this is an error. What Equifax stated is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.

US DEPARTMENT OF ED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I made a final payment on my XXXX  Mastercard. In XXXX I received a refund check in the same amount as my final payment. Payment was misposted and refunded to me with no further explanation. In XXXX of XXXX XXXX XXXX notified me of a delinquent account with XXXX  Mastercard ( commenity ). I logged into my account ( they do not send statements by mail or email ), and saw that interest and late fees started accruing without my knowledge since XX/XX/XXXX. Upon calling commenity they notified me it was my responsibility to keep an eye on my account and was responsible for nearly {$300.00} in late fees plus the original balance I paid off. I filed a dispute and during this time my credit score dropped XXXX points and additional fees and interest accrued, even though the collections agent advised me that wouldnt happen while under investigation. 60 days later I received a letter advising me the dispute was denied since I did not notify them within 60 days of the initial error ( apparently as stated in the terms and conditions ). I have since written a letter to the CEO to reconsider the decision and my credit score is now down XXXX points and the account has accrued additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My acct was past due. I tried to pay online but pennymac disables that option when I fell behind. I took money out of my 401k and called for the amount to bring current and was told they couldnt tell me and wouldnt accept payment. I then sent almost {$10000.00} from my bank directly by the due date on the most recent statemebt I had and they applied it but added what they refer to as other fees. The next month the bill had the {$1500.00} payment and almost a thousand dollars in fees. I paid that and 2 days later more other fees were added. I was told this was due to forclosure but I was never in forclosure. They said they were attorney fees but refused to send me statement showing that or to even confirm that these fees would stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had XXXX for my mortgage for 4 years. Last month, they switched over to XXXX XXXX. My payments were always {$1600.00}. Payments were up to date with XXXX. 

XXXX XXXX sent me my first statement in XX/XX/XXXX up-charging me {$480.00} additional. My initial call was XX/XX/18 to see where the additional charge was coming from. No-one that I spoke to for several calls could tell me the reason for the up-charge and where that money is coming from. I paid the overcharge to avoid late fees and so they would not hurt my credit. I have called over 8 times in a months time period and still have not received any answers. On XX/XX/18 with my initial call I requested an escrow analysis which I was told would be complete in 2 weeks. As of XX/XX/XXXX, the analysis is still not completed which is 6 weeks later. I have provided XXXX with all proofs of House insurance and Tax information. It has been over a month of phone calls, email, and sending them proof and I still can not get an answer to where this additional payment they want every month is coming from. 

I am also receiving 2-3 robo calls from their company daily to refinance or to take out more money in a loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: CO
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 spoke to XXXX XXXX  and they informed me of information being reported by XXXX AND EQUIFAX that there was another social security number reporting from them. Ive been involved in identity theft for a while and XXXX and EQUIFAX have both reported other social security numbers as well as addresses that were inaccurate.

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to XXXX on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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: Reporting company used your report improperly

Complaint:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: TX
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 would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2021 there was an unauthorized transaction on my account at Navy Federal Credit Union. When I called to report it I was put on hold and the problem was not resolved. The phone operators were rude and kept putting me on hold and never returning to the line. The following morning I physically went in to the branch to file a complaint and they issued me a new card. With that card I started payments on my XXXX car insurance until there was fraud again. When XXXX tried to process a payment for {$220.00} the payment did not process and XXXX contacted me that another payment was due for {$330.00}. I paid that with new card only to find out that 2 payments processed. When I asked NFCU to stop the processing on XX/XX/XXXX they refused. I called back on the XXXX of XXXX and they still did not process a refund until XX/XX/XXXX th. Now NFCU is saying I will have no funding for 10 days. NFCU refuses to give me my money back and was put on hold 6 times by customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the JNR Adjustment Company , Inc., located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to JNR Adjustment Company at this point. 

On XX/XX/2019, JNR Adjustment Company sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since JNR received this debt for collection and JNR Adjustment Company added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified JNR that I hereby dispute the validity of the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: KY
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:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

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