BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need 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 2021-02-17
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Simple. GUESSING IS NOT A VERIFIABLE DOCUMENT. The company consistently year after year makes what they call an " GUESSTIMATE '' on possible next year County property taxes without receiving verification from local municipality. The company increased my mortgage payment on a " guess '' and forced payment without receiving local official documents showing actual property taxes. I was charged an additional XXXX dollar 's per month on XX/XX/2021 and XX/XX/2021. After only threatening the mortgage holder M @ T Bank to take it to the AG, I received an update that they somehow found the correct info. BUT never returned the over charging. THIS IS AN OVER-LOOKED INDUSTRY ACCEPTABLE PRACTICE THAT IS COSTLY AND NOTABLE SCHEME WORTHY.. Increasing a mortgage payment on an estimate without receiving official state and municipality records gives the bank a loophole to always get customers to pay money to banks in a short term scheme that is excused EVERY year as " ... sorry we found it ... '' Why hasn't regulators caught this.. My complaint is M @ T Bank uses the `` sorry '' theme and didn't return my money.

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 2016-05-23
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is currently a credit card on my credit report from Discover Financial. I have called several times in an effort to resolve the situation to no avail. The account in question is under my ssn # and another persons name, but also has me as an authorized user. I have never had a account with discover financial and i have told them this several times and i have been a victim of identity theft and i am still currently battleing the issues from this, and every time i talk to someone at Discover they say it will be handled and it never is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: IL
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:
This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Accounts XXXXXXXX and XXXXXXXX Military Affiliate Credit Cards. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. Business Projected Income is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The Military affiliate credit cards were never open to Non Members and Non Military at any giving time. Sending me phony XXXX tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), Experian also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, XXXX stated " Your oldest account was opened : 10 months ago ''. In that same report, XXXX reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), XXXX also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.

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 2021-12-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Jefferson Capital systems never contacted me about settling this debt and they keep refilling i. I have tried to contact them and they wont negotiate it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: National Credit Adjusters, LLC
State: AL
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:
These people place a fraudulent account from ( XXXX XXXX/NATIONAL CREDIT ADJUSTERS ) on my credit report that doesn't belong to me after. I've never done business with these people. My ex-husband and his girlfriend pretending to be me stole my information to get this loan. Her name is XXXX from what I was told by his XXXX XXXX XXXX sister. XXXX used an account we had to make payment while she talked to them acting like she was me. I sent the Credit Bureau the police report and XXXX! XXXX of the Fair Credit Reporting Act, which requires the Credit Bureau to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher XXXX XXXX ) of that information. I have provided XXXX with the police report and my identity package which they have on file and still they place this fraudulent account on my credit report. I am a victim of identity theft. The information from ( XXXX XXXX  XXXX NATIONAL CREDIT ADJUSTERS XXXX which appears on my credit report. does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. [ Identity item XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit reporting Act, and send the required notification to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: MOHELA
State: MN
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:
Mohela is skewing my PSLF payment counts unfairly. They told me payments were due in XXXX and XXXX, I MADE those payments ( XXXX was made on XX/XX/23 for {$550.00} due on like XX/XX/XXXX or XXXX and XXXX was made in the amount of {$480.00} ) and despite Mohela 's website saying these payments were due, they are not counting them towards my PSLF count and saying both payments were ineligible for PSLF due to " being in deferment or forbearance '' -- -my account was NOT in deferment or forbearance as the website showed the payments were due! No payments would have been due if I had actually be in deferment or forbearance... but the website showed the payments were due and what amounts were due and I made both payments by the due dates that the website initiated. They are lying about my account being in forbearance or deferment because if I had been, no payments would have been due but they WERE due and I paid them and I want the payments to be counted towards my PSLF count. They are trying to scam me out of eventual PSLF by not counting payments they said were due and lying about my account being in a deferment when it wasn't! Every single payment I make should count towards PSLF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

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 2023-12-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dropped off my equipment to XXXX XXXX when I cancelled my service with them on XX/XX/XXXX. I asked the representative if there was anything further that was owed, to which he said " no ''. I paid off the account and that was it. Fast forwarding to XX/XX/XXXX I received a notification on my XXXX XXXX informing me my credit score decreased due to a collection ( over 60 points ). I was NEVER notified in writing by either XXXX or Credit Management LP for over {$500.00} dollars. I contacted XXXX and advised them of the issue to which the stated it was for early termination and they should be able to waive it and remove it. After going back and forth I paid {$180.00} ( price owed was less than that I am supposed to be receiving a check in return ). I contacted the collection agency and they stated they wouldn't be able to remove it because they had to go off of the information XXXX had. I never received any notification about any funds being owed by either XXXX or Credit Management LP prior to it going on my credit. I haven't had a collection in YEARS or any late payments. I feel this is highly unjust, unfair and unruly practices being played by the cable company. I closed my account with a {$0.00} balance and never thought more about it from XX/XX/XXXX from what the rep said at the office I walked in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
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: Personal information incorrect

Complaint:
Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX   and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.

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: Experian Information Solutions Inc.
State: NY
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00}.

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 2018-11-20
Company: Kashia Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email back in XX/XX/2018 from Solid Oak Finance after I had applied for a personal loan through a different lender and been denied. I had a need for car repairs and needed to come up with the funds quickly. I completed the loan application was approved and funded the next day from the Cash Advance/Payday loan lender. Since that time I have repeatedly attempted to find out the payoff amount and, on the few occasions anyone has bothered to reply to me, the amount is always higher than the initial loan amount of {$320.00} -- I have now paid {$2100.00} for a {$320.00} loan and have been informed that I would STILL need to pay in excess of {$500.00} to payoff said loan. I have also been told that this type of loan is also ILLEGAL in NC but am not 100 % certain if that is the case or not ; all I know is that I have paid literally thousands more than I should have out of a stupid and desperate need and this company should mark my loan as paid in full and also refund me at least {$1500.00} in the excessive fees. I am attempting to close my bank account to stop this but it is an extremely difficult task as I have numerous household bills debited monthly as well as direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: E MORTGAGE MANAGEMENT, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Setting up an escrow account for taxes and insurance

Complaint:
On XX/XX/2015 I was instructed by XXXX XXXX at Fortren Funding XXXX Id XXXX to issue a cashier 's check to a well known title agent. Before XXXX XXXX arrived to my home, she had contacted me earlier that day and instructed me to make the check payable to " I Abstract Title Agency '' She mentioned that she was working for '' Abstract Title Company located in XXXX New Jersey. '' When XXXX arrived at my home she presented XXXX different affidavits and had warned me that the title company had mixed up my identity with my late father 's identity. However, I noticed that XXXX had signed another 's name ( XXXX XXXX ) and was using tracing paper as well attached to a document that I partially signed ... ... ..So I then obtained a witness to watch me sign the correct affidavit stating that I was SOLELY named XXXX after my late father. Well. since then I have submitted numerous and repeated complaint amongst ALL these no good individuals where justice is now taking place and will be served on my behalf whatever it takes at this time after XXXX LONG years ... ... ... ..justice will be served

Company response to consumer: Closed with explanation