BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went on mortgage forbearance when the pandemic first started due to loss of income from my small business. I was assured at that the time that the forbearance would not negatively affect my credit once I was ready to start loan repayment. I kept calling my mortgage company, Loan Depot throughout the initial forbearance and upon extension of the initial term to make sure that it wasn't going to hit my credit and find out when I should start the repayment process. 

As of XX/XX/XXXX, I was ready to start repayment and called in to request the repayment plan. I was told that deferment was possible and to call back on XXXX. 
Since then I called every other week or so to get an update on repayment status and each rep I spoke to kept mentioning that my application was in process and to to call back on the following week. I have documented all my call and persons I've spoken to since then. ( Pasted below ). 

I continued to call every other week since XXXX and the reps kept telling me that it's in underwriting. On the most recent call today, now XX/XX/XXXX I was told that deferment is no longer possible since it's been 18 months and that the only option is now a loan mod at a higher rate and a credit ding showing loan modification on credit. This was shocking news to me because I was told otherwise from the very beginning when I first took the forbearance and again upon extension and every single call I made through the repayment application process XX/XX/XXXX. I've essentially been put in a worse situation given the forced loan mod that I'd need to take at a higher rate, and loan mod ding. 

Call notes : XX/XX/XXXX th XXXX call in before XXXX Extension approved XXXX ID XXXX XXXX XXXX Request for extension : XXXX XXXX ID XX/XX/XXXX XXXX Number to resume payments : XXXX XXXX call in should have email spoke XX/XX/XXXX ID XXXX Name : XXXX XXXX Said that I don't make any payments until defferal is approved XX/XX/XXXX suspense account to be applied once deferred approval ( will not go to the past due amount ). 
ID XXXX XXXX XXXX Made payment of : {$1500.00} new payments confirmation : XXXX XX/XX/XXXX called XX/XX/XXXX XXXX XXXX no need to make payments yet no issues on credit. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ID XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX XXXX XXXX XXXX still waiting XX/XX/XXXX - called and said still with underwriting XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX said I need to send family trust info in XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX c/b in 5 days ( XXXX transfer to tx XXXX ) XXXX : XXXX XX/XX/XXXX Maize XXXX updating title info XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX 
said c/b XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX says c/b tomorrow XX/XX/XXXX XXXX calls back saying titles are now ok but loan defferal no longer available only loan mod at higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
My personal information was leaked via the Equifax security breach, as indicated from https : //www.equifaxsecurity2017.comXXXX Likely due to the above issue, my credit card was used fraudulently on XXXX XXXX, 2017 in the amounts of {$40.00}, {$7.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX successfully accepted and applied all payments made on XX/XX/XXXX, through XX/XX/XXXX. I have attached the full payment history to date on this recently closed mortgage loan. The payment history reflects my payments made on XX/XX/XXXX but applied on XX/XX/XXXX through XX/XX/XXXX. I intended to pay ahead until I catch up to being half a year in advance of my mortgage payments, while also paying more on principal each month. Unfortunately, that same day it looks like they reversed some payments but misapplied them on the second round. On XX/XX/XXXX at XXXXXXXX XXXX they sent an email that looked spammy/phishing alerting me that my loan was past due. I am anxious that this will reflect negatively on my payments on time section of my credit report and put me at risk of default and foreclosure on my home. My desired resolution is for them to adjust this payment misapplication and error immediately given the severity of financial harm to me if they do not. I would also like for them to take corrective action and establish a permanent fix for the tech they are using to apply payments. I made payments on XX/XX/15, but they weren't applied until the XXXX. This could also harm someone's credit. Please work with this mortgage servicer to ensure they are not intentionally attempting to harm consumers via mortgage servicing late fees due to misapplication of payments.

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 2022-07-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit score had been dropped significantly due to incorrect account information. Im in the process of mortgage loan modification with XXXXXXXX XXXX after XXXX month Covid forbearance. I chose loan modification as my repayment option and resumed monthly mortgage payment ( starting with XXXX month trial payment ) right after XXXX month Covid forbearance and never missed payments since XXXX. however, outsourced XXXX XXXX loss mitigation dept is keep delaying loan modification process and never finalizing nor updating the status of my loan account. Seems like, loss mitigation dept and XXXX XXXX are not communicating each other, As a result, XXXXXXXX XXXX reported my mortgage account as delinquent. How can i revert back my credit score? XXXXXXXX XXXX eliminated their mortgage dept. couple month ago and outsourced mortgage service to other company and outsourced servicing firm is not finalizing my loan modification document. They supposed to finish modification process last XXXX after XXXX month trial payments. Please help me.

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 2017-08-18
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CFPB Consumer Financial Protection Bureau Date : XX/XX/XXXX What happened? In XX/XX/XXXX we closed on our home. We were offered a mortgage payment that fit our budget and moved forward with the purchase of our home. In XX/XX/XXXX we were notified that our house payment would increase by 39 % due to what the mortgage company referred to an escrow shortage. I am familiar with what I would call a normal and explainable increase in taxes and/or insurance that could make the mortgage payment go up or down but not by 39 % for one year and then, for the life of the loan 16 % which would now make our home unaffordable. It is most likely, had these numbers be accurate from the point of origination of the loan, we would have not qualified! 
I believe the mortgage company and/or the servicing company is not being honest with the mistake that was made at the origination point of our loan. This mistake was through no fault of our own and has jeopardized us being able to keep our home! We have lived in our home less than one year and find ourselves in an awful position. We moved from our home of 15 years, moved our kids and established new neighbors and friends. This has created an unbelievable amount of financial stress for my family with no explanation from either the mortgage company or the servicing company as to why such a large increase? I would like to believe that someone made an honest mistake but Im left to believe that this mistake was intentional, fraudulent and predatory in nature. Our finances are suffering ; credit worthiness is dropping because of someone else mistake. Your attention in this matter is appreciated. Sincerely, 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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal 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 non-monetary relief
Consumer complaint received 2020-11-14
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: Investigation took more than 30 days

Complaint:
I sent 3rd set of letters to XXXX, Equifax and XXXX at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX XXXX  to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email and then a phone call from Citibank regarding my XXXX XXXX on XX/XX/2022 that fraudulent activity was suspected. They asked me if I was using the card at the time I said no I was home XXXX XXXX XXXX XXXX XXXX which they called me on my home phone. They said they were going to immediately put a stop to my card and put it under investigation. There we're multiple charges totaling XXXX. XXXX. 
The investigator called asked a series of questions when I was at work and told her that I could not verify anything or be sure because I was at work and needed to go home and and look through my records. She made a lot of accusations she said the card was present during the fraud use and because I had a card in my possession that it was not fraud. Once I got home I called her back to verify the expiration date of the card that was used it was not the same as the card that was in my possession that apparently someone activated and opened a card with the fake expiration date and used it. I tried to explain to her I pulled up some proof that the card I had was a totally different expiration date and they are doing nothing to help a long-term good standing customer who has several Citibank accounts all in good standing with exceptional payment history and with zero balances. When I asked them to send me a statement by email so that I can see where all these charges were made where the places were so that I could account for my whereabouts and also my husband 's because she decided to accuse my husband of making the charges because apparently card was activated under an old phone number that we disconnected XXXX years ago with his name. Which he was a victim of identity theft XXXX  years ago and we are now thinking it's the same person but they didn't want to hear anything like that they just made their decision that we were liars when we are really victims of fraud! They said they are going to mail my statement but yet won't let me access it through my online account which I don't understand why they won't let me see where all these charges were made or send them to me immediately she said it's going to take a week or longer! I have filed a police report and I also consulted with an attorney and will be suing them for attorney fees. It's disgusting how they treat their long-term good customers and don't protect them from fraud. I'm going to be closing every single credit card that is associated with Citibank. I've already contacted XXXX I'm putting fraud alerts on all my credit reports cuz I refuse to let some criminal that stole my information damage my credit since Citibank is doing nothing to protect or help their good customer!

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 monetary relief
Consumer complaint received 2022-02-04
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX, I am submitting this letter to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 We paid the debt directly to XXXX XXXX XXXX. We were assured all was paid and they would immediately have it removed. 
We had no idea we still owed them we went to another insurance company. 

Now 11 months later I get an alert on my credit of a collection agency saying I owe them {$130.00}. 

This debt should have never been on my credit and now it's effecting us greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello, I had a compliance XXXX call my employer and left my employer a voicemail telling them I need to resolve an issue and to call another number immediately. When I called the phone number, ( XXXX ) XXXX, a man named XXXX informed me that he is working for a mediation law firm called XXXX and that I owe an outstanding balance from a previous loan I took out last year and if I fail to resolve it as soon as possible, I will have to pay XXXX times the amount owed and they would be taking me to court. He mentioned the name of the check cashing place I received the loan from and had my personal information like my addresses, email, and employer information. Out of fear, I paid XXXX {$150.00} on XX/XX/2022 at XXXX am and was put on a payment plan and was scheduled to pay that same amount again on XX/XX/2022. I gave XXXX my credit card information thinking I was paying off the loan I took out a year ago. He also mentioned to me that XXXX had sold my information and I have been in collection for awhile now and my information has been passed around to different collection agencies since I failed to pay on the due date. I called XXXX XXXX and they said that they did not receive any payment from me and it was most likely fraud. They also swore to me that they did not sell any of my information but somehow XXXX had all my personal information as well as the date I took out the loan. I am absolutely horrified at the lengths people will go and feel incredibly stupid for even taking out a loan in the first place. Please do not ever take out a loan from XXXX XXXX or California XXXX XXXX XXXX. Your information is NOT private. They will take advantage of people in poor situations. Learn from me. Make sure you are paying the right person. Always pay the actual creditor and ask for a written debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : XXXX Employee No. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Claim No. XXXX XXXX   Dispute Report No. XXXX XXXX Dispute Confirmation No. XXXX XXXX   Dispute File No. XXXX On XX/XX/XXXX I had a telephone discussion with Ms. XXXX XXXX XXXX, Disability Specialist with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. operating on behalf of my employer, XXXX XXXX ( I.e. XXXX XXXX XXXX XXXX ). Our primary topic was the {$2000.00} alleged overpayment from XXXX to me, based on XXXX XXXX   data indicating I somehow transitioned from XXXX XXXX XXXX to XXXX XXXX XXXX during XX/XX/XXXX and an overlap occurred of the two XXXX payment types ( XXXX vs. XXXX ).

I neither applied nor transitioned to XXXX XXXX XXXX and XXXX XXXX cancelled XXXX Claim No. XXXX on XX/XX/XXXX.

I never received XXXX and XXXX payments simultaneously, as I never received any XXXX payments at all.

My explanation during the call with Ms. XXXX was as follows : XXXX Looking at Spreadsheet 2 ( XXXX   ), Column H, notice that the pay period of any XXXX  Payment Voucher listed does not go past XX/XX/XXXX, which was the end date of my XXXX period. However, my XXXX claim was denied by XXXX / XXXX XXXX on XX/XX/XXXX and all payments cancelled at that point. The denial was overturned on appeal XX/XX/XXXX and all XXXX payments up to XX/XX/XXXX were supposed to be completed as soon as possible thereafter.

XXXX did not commence a XXXX period or XXXX payments on my behalf during XX/XX/XXXX as no application forms and medical records were submitted to XXXX  and I immediately requested XXXX  to stop the XXXX -> XXXX  transition anyway. There is {$18000.00} worth of XXXX payments in Spreadsheet 2 that XXXX   Payroll has never disbursed to me, and XXXX XXXX / XXXX  appears unaware or unconcerned about this non-payment. Thence, the XXXX  Salary Plan did not overpay me by {$2000.00}.

( Please review attachments XXXX -and- XXXX. ) XXXX Ms. XXXX concurred with my explanation ; XXXX XXXX cancelled & removed the {$2000.00} from debt collection. On XX/XX/XXXX, however, XXXX XXXX reactivated the {$2000.00} amount and assigned it to Adler Wallach & Associates , Inc. ( AWA Collections ). This action significantly compromised my ratings with all three credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX as well as with XXXX XXXX XXXX ( XXXX ). I disputed the AWA Collections account with all three credit bureaus during XX/XX/XXXX. XXXX XXXX deleted this account from my XXXX credit file on XX/XX/XXXX as a result of their investigation of my Dispute. However, XXXX  and XXXX  decided not delete this account, with no specific explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company Hunter & Warfield INC. out of Florida contacted me in XXXX via phone and mail. When I received the letter in reference to a debt from another company XXXX XXXX I advised them by certified letter to not contact me and I only deal with the original creditor and I owed their company nothing. Also in that letter I asked for proof of the debt and did they have the right to conduct business in the stat of Georgia. They then sent me an additional letter outside of the 30 days that just had a bunch of numbers on it with just my name on it. They were then sent another certified letter stating that the information that they sent to me was not proof of a debt that I actually owed their company, because I never lived in Florida at any time in my life. After sending them the second letter I never heard from them only to receive a letter saying that I owed their company again, so I again sent them another certified letter demanding them to stop all collection efforts because I signed or have never had any deling with their company and to stop all collection efforts. Upon sending Hunter & Warfield Inc. the last letter I received an alert on my credit monitoring that they had listed this debt on my credit reports XXXX, XXXX, and XXXX XXXX. This illegal act has taken my score down almost 50 points they never validated this debt that I owed them or sent me any viable proof proving that I have business with their company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX*Balance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$920.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief