BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ok for the record this is the third time we have filed a complaint against XXXX XXXX XXXX XXXX XXXX   since we took out a loan in XX/XX/XXXX for XXXX. Here are the predatory terms we signed 13 years ago ; 8.67 % DSI for 30 years. These terms have been litigated in XXXX County Ohio case ( XXXX ) and determined predatory lending practices. Currently, in XX/XX/XXXX we made a payment on ( WF ) XXXX web site on XX/XX/XXXX and they didnt apply it to the account until the end of the month costing us daily per diem charges. 

The most recent error by their employees happened on XX/XX/XXXX. I paid XXXX by phone and asked for my balance and she said XXXX. Instead my balance is XXXX. She gave me a confirmation number XXXX to Confirm my balance! In XX/XX/XXXX XX/XX/XXXX falls on a Saturday. I made the payment early and my bank confirmed that WF in Iowa got the payment on Sunday but I called them and they applied it on Monday XX/XX/XXXX. Once again this goes against the terms of loan, those funds must be applied immediately. The bank is not open on Saturday, Sunday or Holidays so this is fraud. Why cant you help us this time, use case law!

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 2023-06-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank has my XXXX XXXX  card. I have been a member since XXXX, never once missed a payment. I have been enrolled in auto pay. tow months ago, they assessed me a late fee for a missed payment. THEY stopped my payment method with out contacting me. I have delt with this deceptive outfit before with a XXXX XXXX card. if you don't carry a balance, they lower your credit limit to cause your fico score to drop. 
these are deceptive practices and should be investigated. how many other people have they bilked on late fees when they trust their payments are made on time. Please review other complaints and investigate that they do this on a large scale to bilk fees and late charges, as many people wont complain. I am looking into a possible class action lawsuit with them, You have an obligation to investigate this complaint and look into how many others were affected by this. I will await your details. 
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 monetary relief
Consumer complaint received 2019-03-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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:
IQ Data International, a debt collection agency lists an outstanding debt on my credit report which was disputed with XXXX, XXXX, and XXXX credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX. The company failed to contact me or the credit reporting agencies within the requisite period of time per Fair Debt Collections Act. The debt still remains on credit files as unpaid and as a consequence has resulted in adverse credit decisions for leasing apartments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over XXXX weeks ago I sent TransUnion a registered letter disputing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in my dispute I attached copys court order as well response from court in reguards to XXXX XXXX XXXX Nevada exsplaing they dont report to Credit Bureaus proving that XXXX response a lye and remove immediately today I receive TransUnion email in regards to the opposite of my registered letter report # XXXX see attached ADDRESS UPDATE it specifically said remove XXXX XXXX and my address to be XXXX XXXX XXXX XXXX XXXX CA XXXX to only be my address on report I do understand if you apply for existended credit and the address you use automatically reflects I HAVE NOT APPLIED FOR CREDIT OVER A YEAR as I already supplied documents not only to TransUnion I have also supplied to you CFPB I dont feel to waists my time downloading dos anymore as I have my I dotted and my T crossed in reguards s to law suit being filed on Monday TRANSUNION is well over the 30 day meet criteria and as well liable for damages HOW IN THE HECK WHEN YOU ASK THEM TO REMOVE A ADDRESS WITH AS WELL COURT DOCS THEN CAN DELAY THE PROCESSS AND SEND FRIVIOLOUS RESPONSES

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 2021-07-28
Company: MAGGUILLI LAW FIRM, PLLC
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: Account status incorrect

Complaint:
The debt collector put a different amount than what I owed on my credit report. Credit report said I owed {$5600.00} when I called she said it was a total of {$5400.00}. When I asked her for what it was for she just said XXXX XXXX 's hospital. When I told her the hospital had no record of this money and told her that for a while there was a mix-up with the insurance company and she flat-out called me a liar. When I asked her for the breakdown of the bills she would not give them to me Said she had to wait for the file to get to her desk. I called every single day for a week and the file was never at her desk. Me actually trying to pay this or take care of this bill was like pulling teeth with this collection 's lawyer office. Very rude and unhelpful when I'm actually trying to give someone my money! I had to get a hold of the credit bureau to take care of this. Come to find out I'm not the first person who's had a problem. As a matter of fact many many people have had a problem You could even go on the internet and type their name and not one person has one good thing to say about them. Why are you adding money to my non-existing bill? Oh right my credit report says for personal services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: HireRight Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Higher right is performing an employee background check. Hireright has responded to me saying that they were unable to verify my income and to submit them proof of times of my employment by providing documents. 

A list of what was acceptable was provided to me. 
Some of those things were year-to-date pay stub as well as IRS tax transcripts so I went ahead and called the IRS and they sent my transcripts to me. I had forwarded those to hire right as well as my XXXX pay stubs w-2s. 
They responded back saying that what I had sent them was not acceptable forms. 
I have tried to call their office but no one answers and I am not getting any response via email the background check is supposed to be due back by the XXXX but I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: INTERFIRST MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company asked me to pay for an appraisal in order to continue with the refinance loan application. However, the loan was later declined and the appraisal was not reimbursed. 

The company had all the personal documents required to make a decision on the loan, however, it was not until the final moments that the company denied the application and communication from them ceased. 

I emailed the company twice requesting a refund of the appraisal fee, but not response was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Advanced Resolution Services Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX  | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/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 ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone using my information applied for a Capital One Venture card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
on XX/XX/XXXX and XXXX XXXX 2021 i payed XXXX $ and XXXX $ to us department of education for old student loan debt that was currently discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/23 I had {$70.00} in my checking account and now it dropped without me knowing about any fees I always see my checking account going down without being notified

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 2023-09-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open BMO Relationship Checking account online. Provided all the information and applied the promotion code but still the application was rejected for no specific reason. I am a US Citizen and living in this country since XXXX  with credit score of around 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 2023-07-13
Company: EQUIFAX, 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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: DFC Global Corp.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I logged on to my XXXX XXXX account and notice my points went down a lot. I checked to see why and noticed a collection on my account that I did not recognize. It was for Aspen Finacial and the amount was around {$2600.00}. I called the collector and let them know this was not me and was fraudulently done. They said this was an account opened XX/XX/2019. They told me to get a police report and send them documentation as well as report to this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to contact Experian in regards to the removal of a security freeze by phone and its website and it keeps asking me for money to remove it and pay a fee for this service. The account that i have on this website is free and each and every time i go to the options in order to remove the freeze the website malfunctions on my account. Customer Service on the Experian side never answers it keeps going through the auto attendant systems for the options and you never get to speak to a real live person to fix the issues with their services or my 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per XXXX XXXX XXXX. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.

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 2019-03-23
Company: Synergetic Communication Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a statement dated XX/XX/19 from " XXXX XXXX ''. XXXX XXXX account number : XXXX. Current creditor is listed as " XXXX XXXX XXXX XXXX '', Original creditor being XXXX XXXX. This is part one of the concern : XXXX XXXX is stating they are authorized to accept settlement on this debt, however " current creditor '' is listed as " XXXX XXXX XXXX XXXX '' on the very statement that XXXX is stating they can collect settlement on. 

The situation is made more interesting by a letter dated XX/XX/19 from SYNCOM- Synergetic Communication , Inc. Account number XXXX. SYNCOM letter states current creditor is " XXXX XXXX XXXX XXXX '', Original creditor of course being XXXX. SYNCOM letter states " client '' account number is XXXX which does not match the XXXX XXXX account number so I can not resolve myself with the fact that SYNCOM sold the debt the XXXX XXXX or vice versa. 

This leaves me to believe both companies are trying to collect the same debt. the dates on the letters are too close and the account numbers do not match, so I can not assume this debt was transferred. 

The following amounts are being attempted to be collected from me : SYNCOM says I owe {$640.00} and will accept {$160.00}, IF received by XX/XX/19. 
XXXX says I owe {$1400.00} and will accept {$970.00} IF received by XX/XX/19. 

XXXX XXXX can be reached @ XXXX or XXXX   SYNCOM can be reached @ XXXX or www.syncomcorp.net thank you for your help in this concerning matter. I am concerned my debt is with multiple agencies and i believe this is a violation of the FCRA and more so I believe Massachusetts has its own protections against this, but I am filing this complaint for help to confirm this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company is Ally Financial. I have my loan since XX/XX/XXXX. I made my 1st payment XX/XX/XXXX. I notice today XX/XX/XXXX when going online to make payment they only showing I paid 12 payments. I have made 16 payment. I do agree I had 3 extension and a due date change however my payment count still should reflect 16 payments. I tried to address this with them and they ( Ally Financial ) said if they correct this would mess my payment up like its my fault. That 4 of my payments went towards finance charge instead of finance, principal, interest which would also advance my payment count on my loan.

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 2021-12-22
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Newrez/Shellpoint mortgage on XX/XX/, 2021, to let them know my uncle passed away and sent them my uncle 's death certificate and our deed. I gave them my contact information and home address.. I requested a forbearance and they never replied to me. I called XXXX and asked to get information on the loan, they refused to give me any information on the loan because it was only under my uncle 's name, even though I was an owner on the deed. In XX/XX/ 2021, the payments stop because the Administrator of my uncle 's estate stop making payments and canceled the Homeowner 's insurance policy. Newrez/ Shellpoint Mortgage kept sending mail and notices to my uncle and his address even though they have known since XX/XX/2021, that he was deceased. They have now started the foreclosure process on my property and refused to give me any information I have requested and information regarding the status of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated onXX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to 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