BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an update to complaint # XXXX In XX/XX/XXXX XXXX paid {$13000.00} towards my mortgage principal. ( See document ). The ENTIRE balance at the time was XXXX. 

In accordance with the loan agreement the mortgage NOTE was satisfied but the bank has refused to mark the loan paid in full and have added an additional {$9000.00} to the principal. 
Here is what the contract states. 

Unless the law says otherwise, ALL payments received shall be applied as follows First to any prepayments due under the NOTE Second to any TAXES AND INSURANCE THIRDLY TO INTEREST DUE FOURTH TO PRINCIPAL LAST TO ANY LATE CHARGE Atlantic was instructed on XXXX to pay mortgage note OFF IN FULL MOREOVER, THE FOLLOWING DISCREPANCIES WERE FOUND : Issues with XX/XX/XXXX statement 1. In XXXX, XXXX, XXXX, BILLING STATEMENTS were generated on the XXXX of each monthAFTER a late fee can be accessed and/or generated but XXXX bill was generated on XXXX. 

2. They are reporting on the 1098 to IRS that only {$1800.00} of interest had been assessed but the billing statements contradict. 

3. XXXX. XXXX and XXXX BILLING statements clearly show all actual payments and/or TRANSACTIONS. For example : payments to principal in the amounts of {$5000.00}. {$2500.00} are clearly shown on XXXX & XXXX statements. AND THE billing statements HAVE BEEN GENERATED ON THE XXXX of the month. BUT XXXX statement for XXXX has been generated on the XXXX and does NOT show the {$13000.00} transaction. It is showing a principal pay down of {$2200.00} and a regular payment. When in all actuality, the entire loan was paid in full in the amount of {$11000.00} on XXXX as per what is being reported to the IRS ON THE 1098. 

4. Clearly, something is off with Atlantic Union bank reporting on both their billing statements and their IRS accounting. 

PLEASE NOTE LOAN BALANCE that Atlantic Union Bank REPORTED ON Form XXXX TO THE IRS ON XX/XX/XXXX and COMPARE THIS DOCUMENT WITH THE XX/XX/XXXX billing statement. ( See ( attchbilling ) document dated. XXXX HOW TO RESOLVE? 

An audit of the banks books are warranted A deed marked paid in full sent to me A refund of all monies owed and fines assessed

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 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.

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 2022-10-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX This short sale was started a YEAR ago with Freedom Mortgage. Freedom Mortgage has been defrauding their investor for the last year by continually coming up with excuses as to why their file is not complete. The latest round of delaying tactics is to claim they dont have documents that we not only sent them a year ago, but have sent them multiple times, repeatedly, ever since. Even after we confirm they have one document they will ask for something different on the next phone call, claiming they dont have it even thought it, too, has been sent multiple times. This time they asked for the purchase contract, which we had just sent them ( again ) on  XX/XX/18. 


*********THIS IS NOT ACCEPTABLE*********** Freedom Mortgage is defrauding their investor by delaying the decision on a short sale. 


We have had issues on EVERY SINGLE FILE WE HAVE WITH FREEDOM MORTGAGE AND THIS NEEDS TO STOP.

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 2023-03-14
Company: National Credit Systems,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:
I was being harassed by neighbors at XXXX XXXX in Arizona ; for example, they would XXXX XXXX XXXX on me knowing it triggered serious fear. 

I began documenting and reporting the the abuse with photos. 

They said the photos violated my rental agreement and proceeded with an eviction. 

I was not allow to contest the eviction because I was removed from the courthouse by a XXXX XXXX Sheriffs Deputy. 

I was removed from my home and, it would appear, they proceeded to charge me the rent until it was occupied by another tenant. 

They are using the credit report system to enforce a breach of contract dispute. They should have filed a lawsuit stating I breached the contract. The eviction ruling is not a ruling on the contract. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: MD
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 an account XXXX XXXX that is showing on my credit and I never opened it. Found out about it thru running my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: REMAX
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. My house is at : XXXX XXXX XXXX, XXXX, FL XXXX. My phone # is XXXX-XXXX-XXXX. 
I was given the house by my mother who passed away. 
**I met a XXXX XXXX XXXX , a realtor through ReMax. Her phone # is XXXX. 
Close to 5 yrs ago I signed a Mortgage with her, so she is now the holder of the mortgage. For over a year, I have asked Ms XXXX to please forward me a copy of the mortgage I signed only to be told, " not now '', " no '', or be hung up on. I have wanted a copy so that I can go over it and better understand what kind of mortgage that I signed. Further, I've been trying to get the name of my homeowner 's insurance company & a copy of the document showing that I'm insured and what it is that I'm insured for. Again I get the same responses from XXXX XXXX XXXX. Now on XX/XX/2020 I got a call from Ms XXXX saying that in 45 days she will be taking control of my house and can't wait to throw us all out in the streets. I got very upset & crying & said I don't understand. She said to contact her lawyer, XXXX XXXX XXXX and hung up on me. 
My daughter, XXXX yr old, XXXX XXXX called back Ms XXXX only to be told the exact same thing she had just said to me. I then called the number for Atty XXXX XXXX XXXX at XXXX-XXXX-XXXX to get some information about what was going on, to get a copy of mortgage and homeowner 's info and was told, " sorry I can't help you, it would be a conflict of interest ''. I literally am at my wits end and do not know what to do. I'm on social security XXXX and can't afford a lawyer. I do have a case worker who helps me, but they don't even know what to do. 
PLEASE HELP ME. Thank you in advance for any assistance you can give me. 
Sincerely, XXXX XXXX XXXX-XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: LOBEL FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a car in XXXX. Lobel Financial is the institution that provided funding. This account has been closed for around 2 years but continue to increase the overall total debt. I was notified that I had a new account opened on my credit report through XXXX. As I looked in to the notification my debt increased from the current car that I have which is {$19000.00} to {$44000.00}. Under total accounts, the number was still the same, but, Lobel Financial is now in an open status. When this happened, my credit score dropped XXXX points. Ive been fighting this institution for months. They keep changing information on my credit report that is not accurate. It seems intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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: Their investigation did not fix an error on your report

Complaint:
As stated in the FTC Affidavit that was sent to EQUIFAX and I will attach again to the CFPB Case i am submitting now. I am a victim of ID theft. I am requesting the Accounts be blocked that were placed from EQUIFAX on my credit reports. These accounts are fraudulent and are listed on the FTC Affidavit. You are required by law to follow the FCRA Requirements when someone is a victim of ID theft. I have a right to request actual documentation if you keep trying to be accusatory and saying these fraudulent accounts are mine. These are not my accounts. My identification documents were stolen and these accounts were opened. You have not performed a proper investigation either as you would know these accounts were opened without any signature card online with XXXX XXXX. XXXX XXXX has a policy to not open any accounts or allow accounts to be accessed without a signature card on file. I never received one and I never signed one. These accounts were opened at a fraudulent address. Yet Equifax continues to ignore my attachments and continues to report fraudulent accounts back onto my credit file. I do not authorize you to place fraud on my credit report, You are the only credit bureau whom continues to report fraudulent information. You are the only credit bureau that keeps trying to blame me for fraud committed. I have not opened these accounts. You have not verified any information, You have not submitted any information. Therefore the information you are reporting is inaccurate, Fraudulent and False. You are illegally reporting fraud on my credit bureau report. Once again I am attaching the FTC Affidavit. I am Exercising my right as a victim of Identity theft to have these accounts blocked. You must follow the laws put in place to protect consumers. You have law enforcement documentation you continue to ignore. As a credit reporting company you can not violate the FCRA laws and yet you continue to do so. Nothing has been done to resolve this. I did not apply for any accounts online, and without any further documentation providing proof you can not say you verified anything. What are you verifying? Where is your documentation providing proof of investigation and what the results were? Again you are violating laws put in place. Please review with the FTC if you do not know how to handle victims of identity theft. As a consumer reporting agency you must block the information i provide proof that is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EdFinancial Services
State: OH
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:
Just a heads up my account is XXXX and I am currently in the process of potential getting a lawyer. I have also complained to student loan omsbudman as well as the CFPB. I am currently awaiting for a call back and here is the issue This is with regard to student loans. After I graduated from XXXX University in XXXX I have paid the loan from XX/XX/XXXX as to which during my exit I applied for the extended fixed payment plan. Up until the covid pause XXXX. I applied for the student borrower defense act against XXXX XX/XX/XXXX. I went to XXXX XXXX XXXX XXXX university for the duration of my student loans. On XX/XX/XXXX I saw a bill for XXXX dollars and some odd change. I called ED financial and it took two hours to get ahold of them. The woman that I spoke with told me that I had not made any payments on my loan. She told me that the prior payments were inaccurate based on any of the plans and in order to reduce my payment I would have to switch the loan to a graduated plan. Which accrues XXXX extra in interest after 25 years. I then called my father because I am not paying over XXXX on my loans. My father agreed that he could help me pay it in full and I would pay him XXXX a month until it was paid off. The next day my account was not showing it stated that there was not information on the account. On XX/XX/XXXX I called again and was told my loans were in forebearnace due to the borrower defense act the only loan covered is the XXXX under that. I called again on the XXXX to say I wanted to pay off the loan by XXXX. I was told to call the borrower defense hotline to get it taken out of forebearance. I called the hotline they told me edfinancial would have to take it out of forebearance. I called the student aid hotline and submitted a complaint, and called again a couple of times every time getting told I would have to file a complaint or call edfinancial. I do not want anymore interest accruing and I do not want to deal with this student loan financial service any longer. People have blown up edfinancial on their XXXX reviews, XXXX, XXXX  etc. about XXXX XXXX XXXX XXXX XXXX not being able to get a hold of them. missing payments, double payments. etc. As a borrower I should be able to pay off my debt whenever I please regardless. I am awaiting another call from them today which takes 2-8 hours to once again see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: DISCOVER BANK
State: NY
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 had credit card cancelation dept with discover cridet card and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to XXXX, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped 31 points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/2018 ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the financial manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX Sheriff 's Dept to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX  : # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, 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 2019-12-21
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
- Someone showed up at my door on Tuesday, XXXX/XXXX/19 late at night. They did not give me personally the summons. 
- Upon looking through the documentation the next day, I realized that the attorney representing a company known as XXXX XXXX was suing me in an amount less than {$800.00}. 
- I had ironically received XXXX checks from XXXX   due to the data breach of my information, which I will attach. My information was also compromised in the most recent XXXX breach. 
- I had sent XXXX  via XXXX XXXX letters back in XXXX, XXXX, XXXX, and XXXX of 2019. No letters were answered. 
- I never received anything from this attorney named NAME : Peroutka , Miller , Klima & Peters , P.A . 
ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : XXXX I proceeded to fax and email to contact them, as I wanted it in writing. They did not respond for a couple days. When XXXX XXXX finally did respond, he stated he would not communicate in writing via email. He also stated on XXXX/XXXX/19 that they would send out validation. Today is XX/XX/XXXX19, and I have yet to receive this information for this alleged debt. There is a complaint filed with the BBB, and he admits that I " ... may not have received it yet. '' They are in the SAME CITXXXX. It takes one business day to get to me. My assumption is that they are waiting for the 15 days to defend myself with all of my proof that XXXX violated FCRPs law to respond to a DV letter - not once - XXXX times, they can default me for this alleged debt. 

Their response is they " record conversations. '' THEY might record them, but my understanding is that I can not ; hence, why I wanted everything in writing.

Company response to consumer: Closed with explanation