BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Consumer 's account was assigned to NCM on XX/XX/21 for collections, by XXXX XXXX XXXX  University. NCM attempted to discuss account with consumer but consumer hung up the phone. Validation information was sent to consumer on XX/XX/21 explaining that consumer is responsible for the remaining charges for enrollment to the University. Since consumer has disputed the account. NCM has closed the account back to XXXX XXXX XXXX University and consumer can contact the University to discuss the account. 

Since this account is closed and NCM has sent the account back to XXXX XXXX XXXX University you have no business reporting this false and fraudulent account on this alleged debt you never had any rights to report on my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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 have a private loan with XXXX PRIVATE LOAN RL. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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

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 2023-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXXXXXX XXXX XXXX XXXX XXXX Fifth Third Ban, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/XXXX Barclay 's XXXX XXXXXXXX XXXX XXXX Statement showed a statement balance of {$13000.00} with payment due date of XX/XX/XXXX. On XX/XX/XXXX ( 12 days before my due date ) I logged into my account and paid the full balance of {$13000.00} to zero out my balance. On XX/XX/XXXX I logged into my account to check for any charges that may have come in after XX/XX/XXXX. There were new charges with a balance of {$68.00} which I paid in full on XX/XX/XXXX ( XXXX day before my XX/XX/XXXX statement was generated ). I then called Barclays to close my account due to the ridiculous interest rates on my card. My account was closed with a XXXX balance on XX/XX/XXXX. On XX/XX/XXXX my new statement was generated and an additional {$100.00} in interest was charged despite having paid my balance in full 12 days before the due date. I contacted Barclays and was told that this was the interest on my balance from XX/XX/XXXX to XX/XX/XXXX. Barclays has a policy of granting a XXXX grace period to their credit card holders from the statement cut-off to the due date where they will not charge interest if the balance is paid in full. I was told by the Barclay 's customer service chat representative that they will not honor the traditional grace period and refund this interest charge. I have never encountered this with any other credit card in my XXXX years of utilizing credit cards. This is gouging behavior because I chose to close my account.

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 2017-03-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a complaint against the current mortgage company who has my loan Nationstar Mortgage. Despite my pleas for help they have not opened up a review of my financial information nor assigned a single point of contact. Instead they have scheduled a sale date of my home for XX/XX/XXXX. Nationstar is the XXXX different bank to hold my loan. I have been trying for a long time to fix this problem of my delinquent payments but every time I seem to be getting some traction the loan gets transferred. I am employed and have owned my house for 11 years and want to save it. This is a conventional loan that I believe is backed by XXXX. I just heard that there were some new programs to help homeowners with conventional XXXX loans and I think I could qualify. My interest rate is 7 % and I have suffered a real hardship the last few years. 

I have worked in construction for over 30 years and had steady employment and money in the bank when I bought my home. Like millions of Americans, I was blindsided by the recession and found myself in and out of work for the next couple of years. I was still making my mortgage payment each month, but the writing was on the wall that it would be difficult to maintain. I reached out to my servicer at the time to apply for help. ( I believe it was XXXX XXXX or XXXX at that time ). They told me that even though I had an obvious financial crisis going on, they would not consider my application unless I was behind on my mortgage loan. So I took their advice and stopped making my payment in order to be considered for mortgage assistance. I started the modification process but within a matter of a few months I was being threatened with foreclosure by the agents at the bank. So I had to scramble and borrow money and do whatever I could to get caught up on the loan. But the problem had not been solved, I was still barely staying afloat. 

I hung on as long as I could but eventually due to the high payment vs. my income and sporadic unemployment I fell behind. I tried to work with all of the companies who held the loan -- XXXX, XXXX, XXXX and every time that it seemed I was making progress the loan would get transferred. I have never been assigned a designated point of contact by Nationstar and have never had a review completed. I deserve to be considered for these new XXXX backed programs, as well as all other government and in house programs that Nationstar has available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my home in XX/XX/XXXX. My loan was transferred to Planet Home Lending LLC shortly thereafter. In XXXX of XXXX, I decided to go through Planet Home Lending for a streamline refinance. I submitted my application online as instructed and we started the process. I received the initial disclosure on XX/XX/XXXX. Nearly 2 months went by without any communication, I assumed it was due to covid-19 and emailed the loan officer, XXXX XXXX, about the status and she informed me my file was sent to the processor. I received the first closing disclosure on XX/XX/XXXX. No communication after that about a closing until the end of the month. A closing was scheduled for XX/XX/XXXX. The closing agent arrived at my home and documents were signed and they were sent to Florida for my father in law to sign since he is a non occupying co borrower. Then, a few days later I receive a phone call that my husband needed to sign. He isnt on the loan but due to our marital status, he needed to sign as well. Another closing disclosure was sent on XX/XX/XXXX and we scheduled another closing to have my husband sign. We have another closing scheduled and another closer comes out to our home and we sign the documents again and have them sent to Florida. XX/XX/XXXX I receive a phone call from the processor, XXXX XXXX, that we need to repeat the closing again due to them putting the wrong date on the paperwork and the bank supposedly did not accept it. She also told me that I would need to make XXXX 's payment as well but we could close for XXXX and not have to make XXXX 's payment. Meaning I also have to pay a late fee on top of my payment for XXXX. I received another phone call on XX/XX/XXXX telling me that I would need to push off the closing again because my taxes were due. Meaning I had to pay yet another late fee on my mortgage payment. I have NEVER paid a late fee on my mortgage until this. Not only that, I am now being asked to pay 3 times more in closing costs that I originally had paid. I sent an email to the processor asking her where this amount came from and still have not received a response or returned phone call. At this point I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: PNC Bank N.A.
State: GA
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:
Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-09-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? 

Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX The inaccurate reporting is Violating my FCRA rights.

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 2022-11-15
Company: Credit Control, LLC
State: MS
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:
Pursuant to 15 USC 6802 ( b ), the financial institution ( XXXX ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. XXXX deleted XXXX ( XXXX ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. XXXX is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from XXXX and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from XXXX, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: OK
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 paid {$32.00} on a XXXX party website to receive my Equifax report, considering that Equifax has locked me out of my online account for almost 2 years, and I have a security freeze as well. I received my credit report and clearly, Equifax has violated FCRA 15 USC 1681 and 15 USC 1681b in multiple ways and on multiple occasions. Citing 15 USC 1681b ( a ) subsection ( c ), 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. Equifax repeatedly provided multiple credit reports to the agencies/finance companies listed in the attached letter mailed via certified mail today # XXXX XXXX XXXX XXXX XXXX. In XXXX of 2022, I experienced a home invasion and theft of all identification documents in my wallet. I put faith in the security freeze ; however, based upon these hard inquiries Equifax has largely ignored my requests. Previously, I have disputed over XXXX hard inquires on my report with a credit freeze. My previous complaints document those disputes. I never gave my express consent to furnish any credit reports to the list of hard inquiries. Additionally, according 15 USC 1681 clearly sets out that credit reporting agencies inaccurate information greatly affect the consumer. Equifax has denied access to my credit report and insists on reporting inaccurate information. The attached demand letter has been mailed to Equifax today via certified mail. I am attaching screenshots that reflect that I am barred by Equifax from viewing my credit report. Repeatedly, Equifax has responded to me that they will get back to me within 60 days and there has been XXXX resolution. They responded to CFPB Complaint # XXXX that the logon issue was resolved which was misrepresentation, based on the next CFPB Complaint # XXXX. 
I am a XXXX yo female widow, and Equifax has damaged my reputation, my ability to rent an apartment, by abject neglect of their FCRA duties for fair dealing and good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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. I DEMAND THAT YOU REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo XXXX  my checking accounts, mortgages and auto loans, with some of the misconduct happening as recently as this year. XXXX XXXX XXXX. I have been a Wells Fargo customer and account holder for over XXXX  years.

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