BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
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:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 
I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1 ) The loan originated in XX/XX/XXXX ( XXXX financed ) with GMAC not XXXX, in XXXX GMAC says my balance was {$120000.00}, between XXXX and XXXX it is reported that I refinanced a total of 3 times for approximately XXXX in XXXX, XXXX in XXXX and another XXXX in XXXX. 
2 ) GMAC sold the loan to Ocwen in XXXX, I have not found what the balance was at that point. 
3 ) Ocwen transferred the loan to PHH in XXXX with a balance of {$110000.00}. 
4 ) There were some loan modifications and there were 4 foreclosure proceedings that were brought current through me making payments of the outstanding amounts plus fees.

5 ) It looks like there are some payments missing, I gained approximately XXXX to my original balances, so where did 17 years of payments ( give or take ) go? 
6 ) Using a simple mathematical calculation, if I paid a mortgage of {$540.00} every month for 19 years thats about {$120000.00}.

7 ) In my opinion there are not enough fees that can cause {$120000.00} of my money to totally disappear into thin air.

8 ) Using a basic amortization schedule a payment of {$540.00} for 228 months leaves a balance of {$57000.00}, what kind of fees would magically more than double that amount to {$120000.00} instead??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX XXXX messaged me on XXXX asking if I wanted money. She didn't tell me what company she worked for, she just said she ran her own business. Being an unemployed, XXXX XXXX XXXX, I needed money to pay for tuition so I said yes. She emailed me a check of {$2500.00} and then asked for me to send {$1000.00} to her grandma to pay for her medical bill. I sent the money and then she asked me to send another {$1000.00} to her doctor. My mom saw the charges and told me it was a scam and I called my bank, USAA, and explained everything that happened. They told me that I would have to pay for the money I sent even though it was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Klarna AB
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I contacted Klarna via phone and chat to resolve a billing dispute. There was an overcharge in the amount of {$290.00} + tax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Klarna suggested to contact XXXX to resolve any billing issues. I contacted XXXX, whom informed me they didn't have any record of a purchase from XXXX XXXX on or around XX/XX/2022. I than reported the information back to Klarna. Klarna then suggested I contact the merchant ; although, I noticed XXXX had processed a partial returned totaling {$160.00} on order reference number XXXX. I spoke with XXXX XXXX ( merchant ) on Sunday, XX/XX/2022 at XXXX XXXX. We discussed inaccurate billing amount submitted to Klarna 's one time XXXX card ending in XXXX. XXXX XXXX informed me a charge of {$470.00} was authorized for order number : XXXX on XX/XX/2022 and only that amount was submitted. XXXX XXXX provided the invoice receipt, in which, doesn't include an item Klarna 's order reference XXXX have listed. Merchant advice to contact Klarna again to resolve discrepancies in billing one their side. Klarna have refused to make modification to reflect the order total in the amount of {$470.00}. I was scheduled to make installment payments to Klarna. I made one payment totaling {$190.00} ; yet, I discontinued to make any farther payments until this matter is resolved. I should have a remaining balance of {$280.00} but Klarna reflects a balance of {$420.00}.

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 2015-04-20
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
This is my 8th 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 ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name, as far everything was working out for the good, then in XXXX XXXX finding out that someone want a house loan or personal loan for XXXX At XXXX XXXX I log into XXXX account found out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureaus reports and found out there was discrepancy on all XXXX credit bureau so I was Directed to The Federal Trade commission with this problem. They helped me in a big way & Thanks Everything was taken off in the credit report, that was supposed to include good standing accounts associated with my old name XXXX XXXX XXXX The only XXXX associated with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Central Portfolio Control Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I had sent central portfolio control a Debt Validation Letter that requested several documents be sent to me to Validate the debt. I will be attaching the Validation letter to this complaint. In the letter it specifies they have 30 days to validate the debt. I have reached out on four different occasions via email and phone to try to resolve this issue. Today XX/XX/XXXX XXXX days past the validation period, They sent me an email Pertaining to the alleged a debt. This now violates my Validation later as I had attached a ceased and desist letter and that all correspondence must be done, in writing, And sent via mail to my address. I have documented this violation for my records. They failed to validate the alleged debt, And violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 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 2016-01-21
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I sent Experian a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - The names and business addresses of each individual with whom the information was verified - The date the credit furnisher was contacted - The method of communication used to verify the information - Original contract/application with my signature - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Experian sent me the same thing that XXXX XXXX sent me, which was an itemized statement and account summary that was created by them ( XXXX XXXX ). The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.

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 2022-04-19
Company: Pingora Holdings, LP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pingora Loan Servicing , LLC allowed my sensitive files related to my mortgage to be accessed by an unauthorized third party via a security breach. They have offered one year of identity theft monitoring service, but I demand lifetime identity theft monitoring service as well as compensation for this mishandling of my information. They allowed a hacker to access my and my wife 's social security numbers and likely our bank account numbers and other information collected on a mortgage application. This is completely unacceptable and we now feel at great risk of identity theft now and into the future. One year of free identity theft monitoring service will not suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: United Recovery Group, LLC (Closed)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Alliance debt collection contacted family members indicating an " emergency '' involving my whereabouts, frightened my family after leaving XXXX ( XXXX ) message on my cell phone within XXXX minutes. The voice message left on my phone threatened to take legal action against me, despite the fact I am working with the company to repay a personal payday loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Account status incorrect

Complaint:
To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you

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 2015-06-19
Company: SUNTRUST BANKS, INC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward. 

Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Affirm Holdings, 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:
Affirm showing three accounts on XXXX that affirm can not validate or locate. please see uploaded statement

Company response to consumer: Closed with explanation