BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm submitting this complaint due to what I believe is a predatory lending scheme perpetrated by Freedom Mortgage. 

I first purchased my home in XX/XX/XXXX using a VA loan. I refinanced several months later to a much lower interest rate and mortgage payment offered by Freedom Mortgage : from 4.125 % to 3.25 %. 

My original mortgage payment with Freedom Mortgage was $ XXXX/month. Several months later, I received a supplemental tax bill from my local tax assessor for the taxes due as a result of the reassessment of my home 's value. Freedom Mortgage agreed to pay it and informed me that my payment would increase for 12 months to $ XXXX/month ; an increase of $ XXXX/month, which I completely understand and was fine with. 

Last month, I received a billing statement from Freedom Mortgage showing my monthly payment is increasing to {$4300.00} per month in XX/XX/XXXX! I was expecting my payment to return to the original amount of $ XXXX/month, so I was shocked when I received this. 

I immediately called and sent a follow up email. Their response was simply that my property taxes and property insurance went up. To be clear, my property insurance only went up by around {$20.00} per month, so that is a non issue. 

The bottom line, and why I'm filing this complaint is this : Freedom Mortgage failed to perform their due diligence when they assumed this mortgage from the previous lender, or they engaged in a bait and switch tactic. They know the sale price of my home, and they should also know the property tax rate for my area in California ; especially given the fact that property tax rates in California have been capped at 1 % due to Proposition 13 since XX/XX/XXXX!. They simply took the amount the previous owner had been paying for property taxes, based on a much lower recorded property value, and plugged that into their equation. This is either an egregious mistake on their part, or as I stated, a form of predatory lending. 

Either way, my monthly mortgage payment has increased from {$3300.00} to {$4300.00} over the past 18 months or so ... .an increase of over {$1000.00} that I can not afford! 

Please investigate this matter and help me out. I was directed to this site through the VA Home Loans Assistance website, so I'm sure I'm in good hands. 

Respectfully, Disgruntled U.S. XXXX Veteran

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been 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 2022-04-13
Company: Experian Information Solutions Inc.
State: KY
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : 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 2017-05-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of 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 2020-04-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$1400.00}

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 2022-04-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with drug possession that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
Violations 34 CFR 685.215 Discharge for false Certification of Student Eligibility or unauthorized payment.

34 CFR 300.302 Screening for instructional purposes is not evalu
ation Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1400.00}

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 explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The deleted personal information on my file keeps re appearing on my report and I would like for it to stop immediately. I have disputed with success this information 3 times but it comes back on my report often.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Under the CARES act, it is my understanding that if you go into administrative forbearance, the suspended payments are considered qualifying payments that can be counted toward forgiveness under the PSLF program. ( See the CFPB 's blog on the subject, here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ ). However, DirectLoan 's  website provides contrary information. Under the heading " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan, '' it says " The time spent on the emergency administrative forbearance will not count toward your required payment count. '' See https : //myfedloan.org/borrowers/covid/.

It appears that FedLoan is providing inaccurate and misleading information to borrowers at this time, that would lead borrowers to continue making student loan payments so that they don't extend their PSLF payment count, when in fact, they should go into emergency forbearance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-06
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that XXXX policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXXL XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to Barclays Bank but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to Barclays Bank to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

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 2015-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX XXXX XXXX contacted equifax, XXXX, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it Equifax failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights

Company response to consumer: Closed with explanation