BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Bread Financial Holdings, Inc.
State: MD
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:
My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed. 
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
I received a loan that was serviced through UAS XXXX for some of my prerequisites for graduate school, which I am currently attending. Nearly two years after I completed those prerequisites, I started to received repetitive emails from this foreign loan company ( UAS XXXX ) when usually my loans are done through FAFSA. They kept reminding me that I needed to complete an Exit Interview ( again, nearly two years after I received the loan ). I thought that this must be a mistake, and then I started receiving emails for missed payments. I didn't even know if this company was legitimate or some kind of scammer because of the time lapse and because usually loans are done through FAFSA. 

The next thing I know, I checked my credit score a few days ago, and they reported a delinquent charge to my account without any warning or adequate help in finding the link for this " Exit Interview '' ( I asked them for clarification multiple times, and I never got the information that I needed on where to find the Exit Interview on their website. It doesn't seem to be listed. It just takes me straight to a " payment page. '' They didn't really care, even though I am still taking out loans to attend graduate school now. Anyway, my credit score dropped by over XXXX points because of their delinquency report! I have since sent them a proof of enrollment verification for my deferment. I called them to ask for more information about all of this, and the person on the phone wasn't helpful or knowledgeable about it at all. 

I would have appreciated any kind of option to make a payment or more sufficient warning before they reported to my credit score. Since that happened, I have contacted them asking them how to resolve this issue and have it removed from my credit report, and they haven't responded, just continually and repetitively giving faulty information on how to find this missing " Exit Interview '' on their broken website. 

I think UAS XXXX is a predatory loan servicer that should be investigated and prosecuted for how they damage the credit score of students who are still attending school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: SC
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:
I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, Experian, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.

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 2022-07-13
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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX  - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} TransUnion : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}

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 2023-06-20
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-28
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020, XXXX AM, PayPal abruptly limited my account, restricting me from using my account in anyway other than logging in, and viewing my balance. I was given no explanation, and only told by PayPal via email, that they " no longer will provide services to me '', along with information regarding the remaining funds in balance, which is {$8000.00} USD. 

PayPal stated in an email on XX/XX/2020, " Money in your PayPal account will be held for 180 days. After 180 days, we'll email you information on how to receive your funds. '' However they have failed to send a single email in regards to receiving my funds, despite the waiting period having surpassed over a year ago. 

They have not helped me, nor reached out to me in any way since this email on XX/XX/2020, and are still restricting my access to my money to this day. 

Its important to note that my funds are in a PayPal " XXXX XXXX Account '', which includes a PayPal debit card, & direct deposit information for an account in my name, that was technically kept at XXXX XXXX, and therefor is FDIC insured. My account was in good-standing for the entire time it was used prior to the sudden limitation. Also, all of the direct deposits to my PayPal cash account, were from the same source, " MA DUA '', which was pandemic assistance that the state of Massachusetts had been determined I was eligible to receive. I had no transactions to, or from another PayPal user, so there is no possibility for a potential chargeback, thus no reason for PayPal to continue restricting my ability to withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Idaho Housing And Finance Association
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My mortgage was sold to Homeloanserv. 
They have been a nightmare from the start. 

My wife and I originally set our mortgage to be due between the XXXX of each month. This is the time frame we have the money to make our Mortgage payment. HomeLoanServ has a policy of all payments being due on the XXXX no matter what. We weren't aware of this until it was too late. We received a letter in the mail stating they were taking it over and that was it. I have talked to them nearly every month since. They refuse to change the payment due date. They refuse to allow split payments. This is causing a serious issue for my family. We are charged {$110.00} a month extra on top of our already {$3600.00} mortgage. This is incredibly hard on us. We have paid a total of {$1400.00} in late fees since they bought our loan in XX/XX/2022. 

I've asked them multiple times to work with me. I tried making a split payment to avoid the fee and the very next month I received an email saying " Split payments will no longer be allowed. Due amount must be paid in full in 1 payment each month ''. 

They call me every month between the XXXX to tell me that my payment is late. Asking when I'll be making the payment. 

Every time I have talked to them, or asked if there Is anything we can do. The only thing they tell me is. " You don't have to pay your late fee now. You can pay the mortgage and pay the late fee later '' this does not help at all. We're still being charged quite a bit extra. They refuse to work with us in any way. We had no say in them taking over our loan. I feel like it is wrong to continously XXXX XXXX over and not allow any way to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
their customer service would not help and take care of the negative inquiries reporting on my credit report.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 a victim of identity theft. Someone used my personal information to open accounts, credit cards, and make unauthorized purchases in my name. I discovered this when I received bills and collection notices for accounts that I did not open or authorize. This has caused me a lot of stress and XXXX, and has damaged my credit score. I have reported this to the Federal Trade Commission ( FTC ), and I have requested copies of the fraudulent records from the companies where the fraud occurred. I am working hard to restore my identity and clear my name.

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 2022-05-28
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my mortgage company, Cross Country LLC for my PMI to be dropped in the beginning of XXXX. I was told it would take a week and a half to be processed and would receive a letter in the mail. I received a letter on XX/XX/XXXX. I completed the necessary paperwork and sent a check in the amount of {$150.00} for the revaluation of my home. An appraisal was not ordered until over a month later, XX/XX/XXXX. I set up the appraisal and it was completed on XX/XX/XXXX. After multiple calls to Cross Country Mortgage LLC. I received no information on the status of the reappraisal. I was told my appraisal process would close XX/XX/XXXX. I called back on XX/XX/XXXX and was then told they had 30 days from XX/XX/XXXX, call back after XX/XX/XXXX. I called back XX/XX/XXXX and still no information. I have never missed a payment and have continued to pay PMI ( {$260.00} ) for the month of XXXX, XXXX, XXXX, and now XXXX. Yesterday I was told a letter was mailed and can expect to receive it in 10 days. The appraisal of my house came back at {$550000.00}. I was told PMI could not be dropped. I am now disputing the appraisal as that amount is nearly XXXX lower than any house that has sold in my neighborhood in the last 6 months. I feel that the mortgage company has been delaying and not providing information at my expense as I continue to make PMI payments. I have called and left my name and number multiple times and never received a call back. Every representative could not provide me with information until I filed a complaint and articulated the dragging of feet, lacking of information and unprofessionalism I encountered. Furthermore, I feel the bank purposefully came in low on my appraisal ( {$5000.00} short of PMI being dropped ). Im sure the disputing process will take months and all at my expense as I continue to pay an unnecessary PMI fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022, CREDENCE has broken/violated consumer law. I want monetary relief. I have written a affidavit of truth stating the facts of which laws have been broken by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian report XXXX  I made a dispute for the XXXX XXXX XXXX. 

Experian instead deleted XXXX account. I just called Experian and a rep told me that they made a mistake! 

The XXXX account was never under dispute. This is irresponsible for Experian to delete XXXX which is a positive and was due to fall in 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 2022-05-28
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX accounts

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 2018-05-21
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:
Experian has on three occasions blatantly disregarded my request for a proper investigation into an account. I have shown proof. This time I will show PROOF that even their response to even a CFPB complaint is purposely neglected and mislead the complaint. 

Specifically complaint # XXXX all they did was attach irrelevant policy information to the dispute and lie about the investigation. 

Proof -- -- - their own statement response in the last dispute. " The respective results summaries were sent to you for review on XX/XX/XXXX, and XX/XX/XXXX. The latest results summary, along with a copy of your Experian credit report, will be provided directly to you for review. Please allow up to 10 business days for mailed correspondence to arrive. '' attached is those exact response documents. 

1. the mention dispute with the last CFPB complaint only consisted of one account in question. XXXX not the other accounts they mentioned. 

I only mention XXXX in the complaint. simply reading the complaint will prove that. 

one report they mention does not even mention XXXX the mention report by EXperian report sent XX/XX/XXXX is attached and only mentions one account not XXXX. but this was not included in the last compliant filed. 

2. the second mention report mentioned by XXXX does not UPDATE NOR CORRECT one single item. 

3. what i asked for in the last dispute was the detailed investigation the EXPerian Conducted which is required by LAW. 
What information did you get to verify the account? 

It is at this time that I will point out that in XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

What reasonable investigation did Experian conduct? 

seems that they parrot information, In this CFPB COMPLAINT I am requesting the result and details used by EXPERIAN that was used to conduct this investigation. 

the results I seek are for XXXX # XXXX only in this complaint. 

you must go above an XXXX investigation. 

what public document do you use? 
what did XXXX provide that I opened that 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 explanation