BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The main issue with the company is the amount they set my escrow account at.
I built a new home and closed inXX/XX/XXXX My loan was transferred to LoanCare 2 months after I closed.
I have been trying to resolve the issue sinceXX/XX/XXXX and I get no help from them. Here is the issue, Because the home is new construction I wont have to pay my full property taxes until XX/XX/XXXX forXX/XX/XXXX ( this was verified and communicated to LoanCare, they even called the county tax department and verified this ) so for this year my escrow should be {$1000.00}, {$750.00} for my insurance, {$100.00} for the land property tax and a small slush fund that some companies require for both this year and XX/XX/XXXX.
Instead they have my escrow at {$460.00} a month, which I cant afford a {$2000.00} payment. My P & I is a little over {$1400.00} which when I had the home built I had asked about the amount of my taxes with the county to make sure I could afford the total payment and because I am a XXXX Vet I get a discount off my assessment of my home. So in XX/XX/XXXXwhen my property taxes will come into effect, my taxes will only be no more than {$1600.00}, instead of {$2700.00} a year.
I have asked for an escrow adjustment, this like I said been going on with them since XX/XX/XXXX. They did it and raised my escrow payment even more. I now have over $ 4k in my escrow and am behind about 3k in payments which I would actually be up to date on my payments if they would make the adjustment and apply like I have been asking the extra 3k to my loan. What Loancare does is seeing I am only paying them {$1400.00} each month as I cant afford the escrow payment and they will not adjust it to the correct amount, they keep my monthly payment in an escrow account and wont apply any of the funds to my loan until they get the next payment and finally gets the total payment asked for.
I was told when I talked to them that because I was n't paying MIP I could close my escrow account and handle it on my own, I only had to send in an email asking for that and they would send me the paperwork. I did that and got a letter from them saying that because I was 30 days late on my payments I could n't close my escrow which is their fault not mine.
I am to the end of my rope, and I need help from someone to resolve this issue before I lose my home and am homeless. Loan Care is the worst company I have ever dealt with in my XXXX  years. I have owned 2 other homes and never had an issue like this.

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 2022-09-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MD
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:
Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have called multiple times about these checks that are coming out of my account that are not authorized. I did not write them and I had also asked you to block any transactions from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Shellpoint Partners, LLC
State: VA
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:
when i talked to a agent a shellpoint they told me my late payments would not be reported why i wait on XXXXXXXX XXXX relief to approve or deny me but i see that was a lie they reported me late today score went down XXXX XXXX smh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with XXXX XXXXXXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Convergys
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries on credit report. I have reported these to FYC for identity theft

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
When purchasing my XXXX from the dealership, the dealership claimed my credit score was XXXX when in actuality all 3 credit companies stated my actual score was XXXX, a difference of 50 points. Today, when trying to refinance the same car, Rate Genius states my score is XXXX when in actuality it is XXXX. It should be illegal for companies selling loans to misquote credit scores in order to sell higher interest loans. I think this violates truth in lending. This needs to stop! Especially when consumers clearly have access to their actual numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a auto loan through Navy Federal Credit Union starting in XXXX. The loan was for a higher interest rate than I would have like but at the time I needed a vehicle and it was the best offer the bank would provide. Long story short, I went through some hardships such as divorce and job loss and tried to re-finance the vehicle but never received a response from the bank or any assistance on plans to make lower loan payments. The vehicle was then repossessed and auctioned and the remaining balance was my responsibility according to the bank. So again I was put on a payment plan however the payments were too high to keep up with and fail to continue to make them. I had a direct deposit going to the account that Navy Federal never debited nor did they provide me a way to pay the loan using my online portal. Once I switched jobs again and setup direct deposit to my checking account Navy Federal just decides they are going to take 90 % of my deposited paycheck without any warnings or notification. During this time I ask to have some of the fund returned back to the account but was denied on XXXX/XXXX/XXXX @ XXXX cst and on XXXX/XXXX/XXXX XXXX cst by two different customer service reps who claimed to not have the authorization to return the funds. I also express I have a court order to pay those funds to Child Support enforcement and that typically those funds would not have been placed in the account since they are deducted straight from my paycheck. Again I was denied and instructed to call back on XX/XX/XXXX XXXX/XXXX/XXXX. Banks acting as collections agencies should not have the ability to, without warning and justifiably garnish your paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: MO
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 made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX, 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.

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 2022-09-03
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Following the recent publicity about the Equifax security breaches, I contacted Equifax to freeze my information. It appears that Equifax took my money, but failed to freeze my information. My mortgage broker provided me with a credit report response from Equifax more recently than the requested freeze. Additionally there are a number of items on the report I would like to dispute, but phone number the company provided was not answered by a live person, so there was no other way to submit my concern except to wait on the phone indefinitely or pay more money and submit the concern by mail. I called several Equifax numbers and was repeatedly transferred and placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EdFinancial Services
State: VA
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:
On Thursday, XX/XX/XXXX, I contacted Edfinancial after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in 2020. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX  and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until January at the earliest for them. The interest rates and payments will resume again in January.

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: FL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation