BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XXXX mortgage payment due to XXXX XXXX XXXXXXXX XXXX mortgage payment due to XXXX XXXX  XXXX XXXX mortgage payment due to short term XXXX XXXX - applied for mortgage assistance for the 3 months behind XXXX - XXXX resolved -expressed I am able to resume regular payments on XXXX XXXX XXXX delivered letter dated XX/XX/XXXX from Loancare. Loancare letter said it wants to modify my entire loan and add a partial claim. 
XXXX-I am not in agreement with a loan modification and paritial claim since the XXXX was short - term. Its as if Loancare intentionally ignored my request. 

Their letter was dated XX/XX/XXXX and requires me to sign the loan mod docs within 15 days or call them for another option - otherwise foreclosure proceedings. 

I called 37 times - phone numbers : XXXX ; XXXX but all are out of service as well as the email addresses for loan care due to Loancare had a security breach. 

All I want is to speak to Loancare and request a repayment plan or deferral of the XXXX term XXXX months Im behind. Instead they are trying to force me into extending my loan to 40 years, doubling my current interest rate, and creating a partial claim charged at 8 %. 

Please Loancare, call me so we can discuss a repayment plan or a deferral but I do not want a loan modification as XXXX has resolved we can resume normal payments on XX/XX/XXXX ; however, your website wont even allow me to make a payment. 

I specifally requested a loan deferral or repayment plan with my application. Im not sure why you are trying to force me into a loan modification.

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 2023-10-27
Company: ALLY FINANCIAL INC.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Unavailable transfer of funds due known issues with Ally 's balancing app. Funds are now delayed and the company will not take any action to rectify or expedite transfer. 

The representative confirmed there were issues with the app. I requested the money be wired free of charge to meet the initial delivery of funds. The representative told me it was my fault for not using a browser.

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 2023-08-23
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was on an income based plan and applied for the save plan. They denied my request and put me on standard repayment without my approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have constantly contested the inaccuracies in the following information with Equifax and XXXX and unfortunately, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has been reporting inquires to my credit that has not been authorized by myself, someone has illegally obtained my personal information and using to attempt to gain credit these inquires while in the process of doing so are not by me nor authorized They are causing me a financial hardship as they are negatively affecting my credit. the following from Equifax are 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 2023-05-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was sold to this lender. They did NOT provide a transfer of service letter within the required 15 days. When trying to contact them to let them know that I am on the XXXX program, there is no way to contact them. I tried logging into their website to set up an account but it isn't working. I tried calling them on the phone but unless you have a loan number, you can not speak to anyone or do anything. i used the loan number my old servicer provided as my new loan number and it did not work. I tried it 4 times to no avail. I have no way to contact, set up an account with, or pay anything to my new lender and the transfer date is rapidly approaching with no solution in sight to get it done.

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 2023-09-20
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Noticed three items on credit report for Midland Credit Management- I have never opened an account with Midland Credit Management, that they are saying I opened these account XX/XX/2022, XX/XX/2022 and XX/XX/2022. Did try disputing with credit bureaus - no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
We were lead to believe that our consulting company could use WePay to collect payments. We then collected payment for our costumer back in XXXX. It is now XXXX and WePay is refusing to release the {$9200.00} This money was paid to us for our consulting services. We have operational costs, employees and vendors who we have had to have difficult conversations as a result from WePay holding our money XXXX. 

We do not operate in high risk industry nor have we ever had a charge back in all our years of business so it looks like they are just trying to hold our money indefinitely for no reason. 

When you sign up for their service it does not say anywhere that WePay can decide to steal your money or with hold it indefinitely. As a small business this has crushed our bottom line and we are at a point where we will no longer be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: MI
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 sent Im previous complaint letters and dispute XXXX accounts and my request were ignored and placed as accurate. They are fraudulent accounts not opened by me. I have a police report number also and nothing should be listed on my credit report without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX for {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXor {$1100.00} XXXX XXXX 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 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I noticed unfamiliar accounts on Credit Report with Capital One that were going to XXXX ( somewhere I have never lived ). I called Capital One and was told they already flagged the accounts and had a specialist assigned to them who would reach out to me. They did not reach out, so I sent them XXXX certified mail with tracking number XXXX, which they received XX/XX/XXXX. I still have not heard back from them. The negative impact to my credit score has been harmful, and I'm struggling to set up my medical insurance account now since the identity verification requests keep asking what XXXX address I am associated with, and I have no clue what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MA
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 2023-10-27
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XXXX XXXX  I applied for the SAVE repayment plan & was told by Aidvantage it would take about 45 days for the application to be processed. At that time they estimated my payments to be {$390.00}. 
On XX/XX/XXXX I received an email from Aidvantage that my application was approved and my payments would be {$670.00} On XX/XX/XXXX I called and spoke with an agent at Aidvantage who told me she would reapply for me, I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days On XXXX  I received and email from advantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX  I called and spoke with an agent at Aidvantage who told the previous agent recertified me, not reapplied. The agent said that we could reapply over the phone. I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days. 
On XX/XX/XXXX I received and email from Aidvantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and was on hold so the agent could speak with a supervisor. I provided her with the same information about filing status, income etc and she put me on hold. I was on hold for 20 minutes and then disconnected. I called back again and spoke with a man who said the agent before me reapplied and my new payment estimate is {$750.00}. 
I have spent hours trying to figure this out only to feel like Im being scammed by a predatory loan company trying to take more than what I can afford. I still have not gotten this addressed and am begging for help. What are borrowers supposed to do to get the help they need. Im trying and spending hours of my time only to get nowhere and told were having trouble with our phones disconnecting by the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As stated earlier I went to US Bank to see why my social security check had not been received.The teller checked and told me she did not see a direct deposit today from social security. I left the bank and went to the local social security office. The person who assisted me ran a print out that verified with a trace # XXXX that showed that the bank and received the check and it had been processed. I went back to the bank and asked to speak with a banker and someone came out to assist me After speaking with a banker I was told that a hard hold was put on my account because I filed a XXXX  XXXX. I have a debit card with US Bank located at XXXX XXXX XXXX XXXX, XXXX, Wisconsin, not a credit card. I am trying to find out why would it be necessary to put a hard hold on my account. I am the owner of that checking account. This too can be verified. 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 2023-07-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A while back I did a complaint with online service for 7 payments because they only settle fir 5 of them they took back money that I paid to this company but because Chase didn't get it all they took back 2 of my 7 refunds and put my account in over drafts making me pay this money again talking about they sent me a letter I never got it they send me email for everything else that's how I knew I was overdrawn they do this all the time so we could be in overdrawn status so we can pay them extra fees for overdraft they know we don't want to do that so we pay it I got rob by the online company and Chase I paid twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to speak with someone at Mohela to discuss my payments. They are not able to be reached. You are placed on hold indefinitely when calling customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint centers on LexisNexis reported inaccurate and private information, which has adversely affected my consumer report. A certified notice providing more details is being attached to this complaint and mailed via USPS # XXXX, to LexisNexis to once again inform them of the unauthorized and improper utilization of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MoneyLion Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A credit builder account was open through the platform " Moneylion " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation