BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY LONECARE, LLC This company has failed to assign money we sent for escrow and has charged us two months at the incorrect price. 
We've called both months and we were told the 1st month that escrow would be applied and our payment would be {$1500.00}. 
Then we called last month and we asked for the escrow amount, which was sent with the coupon sent we received from the company the mail, to be refunded to us because that extra amount was fraudulently charged sinxe the departments didn't enter our money properly. 
We have since spoken to 3 people, 1 manager, 1 case elevations person- still the money is in our principle account and not the escrow we allotted it to. 
The company says we now have a deficit and we owe. On top of the incorrect amount being taken 2 months and about to be a 3rd. 
{$180.00} was supposed to be refunded to us- we emailed a dep to treatment and got a code for the refund to go to come to us in a check. 
We called and they've again told us they have no money in the escrow and thereby have no money to return to us. 
We did not give permission for the {$1600.00} to be charged in the month of XXXX and XXXX. We gave permission as of XX/XX/XXXX {$1500.00} to be auto-drafted for our new monthly principle. 
With our escrow paid in full- as we sent a check and have a copy of the memo line alotting it for escrow ONLY.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
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 fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2021-03-22
Company: Earm LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is contacting my husband and his relatives, using my maiden name. Not quite sure how or where they got my information or their information to begin with, but they are going by the company name MAC. Me and my husband recently bought a house using a VA loan and i am the veteran, so I had to clear up all my debts. Not sure who this company is or why they are contacting people outside of my family. They are asking them for references.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22
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: Old information reappears or never goes away

Complaint:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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 sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.

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 2019-06-12
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an auto loan from Westlake Financial Services on my credit report for an auto loan that is not mines. I do not have a vehicle nor a drivers license. I contacted the company and they directed me to complete an identity theft affidavit.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this account, according to the FCRA this item must be deleted

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 2017-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been contacting Equifax for months and they have not sent me ONE LETTER back! My Equifax credit file just disappeared. I read online where they like to do this to consumers that dispute things with them. I am just another victim of their vengeance. They are robbing me of letting me see my consumer information and robbing me of investigating the illegitimate things on my report with them. The attached documents i never received any response letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, someone, ( not me ), applied for a Citibank credit card. I contacted the company and asked them to remove the information from my credit report and their files. They stated they could not help me and advised me to file a complaint with your bureau which I did. 

They denied my complaint. They stated I did apply for the card because my old address, SSN, name, and date of birth were used. Therefore, they would not correct the information they filed about me with the credit bureau. 

I have since learned, my personal information to include name, date of birth, SSN, and physical address were among the millions compromised in the XXXX Data Security Breach announced at the FTC 's website on XX/XX/2019. When I entered my last name and last 6 digits of my SSN on the FTC 's website, they informed me my information was compromised by the XXXX breach. 

Additionally, I sold the house ( XX/XX/2019 ) used as the physical address by the credit card applicant on XX/XX/2019, and moved from that residence on XX/XX/2019.

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the quicksilver card which sent spend {$500.00} in the first 3 months and receive {$200.00}. I've spent well over {$1500.00} and they say the offer wasn't applied to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: The Best Service Co.,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:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2017-12-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. 

I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

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 2017-12-22
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: CO
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:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-10
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: Information belongs to someone else

Complaint:
I NEED THIS ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO FRAUDULENT ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez Mortgage Co states that I am missing a payment but the money has been deducted from my account when I try to call I get fast busy signal Payment out of checking account XX/XX/XXXX, XXXX On XX/XX/XXXX, at XXXX XXXX, NewRez Servicing XXXX wrote : This is a courtesy reminder that Newrez does not have a record of receiving your current monthly payment. If you have not done so yet this month, please sign in to your online account to make this payment as soon as possible. You can also call us at XXXX to make your payment via the automated line. 

Sincerely, Newrez Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: I.C. System, Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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