BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Ladera Lending, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I purchased a condo with XXXX XXXX mortgage company. Within few months, XX/XX/XXXX, I refinanced the loan through Ladera Lending with a broker who offered a 2.5 % interest with a significanly lowered monthly mortgage payment. I was very pleased. According to the broker/agent, my loan was going to be a breeze due to my excellent credit and job security. Little did I know that there was an error in the escrow/impound account. The previous lender had calculated the escrow at {$750.00}. Ladera Lending 's escrow only reserved {$340.00} which they did not add the property tax bill for XXXX and also 1.25 % of the purchase price at the time of refinancing. I am filing this complaint after I received an Escrow Account Disclosure Statement on XX/XX/XXXX. After XXXX years, my current mortgage company XXXX XXXX XXXX ) caught shortage in my escrow account due to Ladera Lending 's error. As a result of this shortage, XXXX XXXX is adding an additional {$1000.00} a month to my mortgage. As a consumer, I am focused on making the monthly payments and I assumed that with an impounded account, my property tax was taken care of. 
Also, the broker/agent did not inform me about supplemental taxes which I recently learned was in a delinquent status until I paid off. 
I am currently facing financial hardship as a single woman and a mom of two teens and this new payment will definitely put a strain on me. I have lived within my budget but unexpected things arise and I have recently paid off the supplemental tax ( XXXX with a late fee ). I am appalled and shocked to learn that I was not informed sooner about this error by a current mortage company. But Ladera Lending should have been more careful with the loan documents before releasing the loan. Especially, if it is an impounded account. What the broker offered was an attactive bait for offering a much lower mortgage payment and now, after a year and half go by, I learn that there was a error .... Most consumers do not have knowledge about escrow. That is why I opted for an impound account. I do not have the means to pay a large property taxes every 6 months. I trusted my lender to prepare the documents before releasing the loan. I do understand that the taxes do go up and mortages and fees go up slightly especially, with during this economic inflation. However, adding an additonal $ XXXX on anyone will significantly affect their budget and livelihood and I am one of them ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If XXXX and TransUnion do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}

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
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and am unaware of these inquiries. I ask that the items be deleted to correct my credit report. 
I reported my identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect data they wont remove. Attached is last letter I sent.

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 2022-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MBA LAW account with a balance of {$590.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER written me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
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:
A bad report was listed under Experian Credit Score. We disputed with Experian. We contacted the filer of the report, XXXX XXXX XXXX ( or according to person the actual name is XXXX XXXX XXXX ). Experian report shows entity name as XXXX XXXX XXXX. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with Experian agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from XXXX XXXX XXXX. 

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 2023-02-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call from Convergent a debt collection agency that I had two outstanding energy bills in XXXX Tx about two weeks ago. I have never lived in Tx only in California. One company was XXXX XXXX XXXX XXXX XXXX acct # XXXX for {$990.00} and the other was XXXX XXXX XXXX acct # XXXX $ 371.01.Not sure how someone got a hold of my information where they resided at XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX. I have a notified the XXXX Police dept. report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company failed to provide me with the proper proof to validate this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ASTA FUNDING INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter to appear in court on XX/XX/2022, I have absolutely no knowledge of this company, what the debt pertains to nor was i ever served any papers that i owed any debt. I sent them a certified letter proving this debt to me as well as the courts and demanding them to throw out this ridiculous case out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a Lowes credit card that was paid off as of XX/XX/2021, Someone fraudulently made many charges on the card after this time for amounts exceeding $ XXXX. I called the credit card company which is Syncrony and they said they have to send me 1 years worth of statements and then I can try and dispute the charges. the charges were in a state that I did not live in nor was I there at the time of the purchases, I have had identity theft which has affected other accounts as well. This is severely impacted my credit score. i need help fixing this. Please help. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX offer that was found on the XXXX website. The offer for the card was as follows : " You will qualify for a {$100.00} statement credit if you use your new credit card account to make any combination of purchase transactions totaling at least {$2000.00} ( exclusive of any fees, including the annual fee, returns and adjustments ) that post to your account within 90 days of the account open date. '' After reaching the spending threshold of {$2000.00} spent, I have NOT received the {$100.00} statement credit. 

On XX/XX/2022, I messaged Bank of America about the {$100.00} statement credit. The chat agent XXXX said that I qualify for the credit and that it should post automatically. She stated that if it doesn't post automatically to contact Bank of America. 

On XX/XX/2022, I messaged Bank XXXX American again in regard to the {$100.00} statement credit. The agent XXXX opened a case number for me in regard to the statement credit. The case number was XXXX. 

On XX/XX/2022, I called Bank of America. The agent told me that my case was rejected to so asked to be transferred to a supervisor. The supervisor told me that he would reopen the case and resubmit it.

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 2023-02-21
Company: EQUIFAX, INC.
State: TX
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 my mortgage was transferred to Mr. Cooper for servicing. My mortgage was on auto-payment with the previous servicer, that charged my checking account on the first of every month. On XX/XX/XXXX, I logged into my mortgage account at Mr. Cooper to see if they would continue with the auto-payment. My account showed no auto-payment for XXXX and indicated the next auto-payment would be XX/XX/XXXX. To make sure that my payment was on time, I made a manual payment to charge my checking account at XXXX. On the night of XX/XX/2018, my XXXX account was charged twice- once for my manual payment and an auto-payment from Mr. Cooper XXXX 

I called Mr. Cooper on XX/XX/XXXX to see what could be done and the Service Rep got a rep from XXXX on the phone. After some discussion, it was decided that the best course of action was for me to place a stop payment on my account for the mortgage payment and resubmit the payment later in the week after lifting the stop payment. I would be charged a {$30.00} overdraft fee by XXXX, but I was okay with that. The Mr. Cooper said there would be a {$20.00} returned payment fee, but she would be happy to waive it. 

The fee was not waived and was charged to my Mr. Cooper account. I am not sure of the exact date, but sometime in mid to late XXXX, I called Mr. Cooper and explained what happened and ask to have the fee reversed. The rep said that they would submit the fee for reversal. 

During the week of XX/XX/XXXX, I noticed the fee had not been reversed and called Mr. Cooper. The service rep apologized and said she would make sure the fee was reversed. 

Today, XX/XX/2018 I logged into my Mr. Cooper account and saw that the fee still showed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 information incorrect

Complaint:
I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom mortgage was to assist me with a partial claim during Covid. They dropped the ball I was taken out of forbearance XX/XX/XXXX. They were supposed to give me an offer within 30 days a partial claim offer. No one got back to me and I was calling every week they finally put some things through in XXXX and put me over my percentage for the partial claim. in XXXX I excepted it in person and loss mitigation name XXXX put in. I wanted a lower rate. He put a rejected the offer, which I did not so I had to go back and speak to a gentleman by the name of XXXX. At that time I found out they redid my loan, and my interest rate was even higher. I was paying originally XXXX then when they went and redid it it was XXXX and when I spoke to XXXX, it was XXXX a month. I excepted the XXXX even though it was much higher they sent me paperwork to fill out they had my divorce name on it as well as my current name. They sent the paperwork out to XX/XX/XXXX. I called and spoke to XXXX XX/XX/XXXX to explain the situation he told me to not sign the paperwork as there are XXXX different names. He escalated to his supervisor I called back on XX/XX/XXXX still no answer. I got a letter on my door stating I needed to sign the paper work notarize it and send it back. I then called freedom mortgage again and spoke to another gentleman who said this could take some time but if I could get the paperwork signed with the different names on it. I did try on XX/XX/XXXX I was able to find someone a XXXXXXXX XXXX would notarize it.I returned the overnight notarize documents on XX/XX/XXXX. In the mail today I received a letter dated XX/XX/XXXX that my case was closed and that I would have to seek additional assistance if I needed it this is absolute XXXX as I've been keeping in contact with them every week, and I was told not to sign it. They have XXXX me around left and right trying to make sure I could save my home which is now in foreclosure. I need assistance!! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation