BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/XXXX my mortgage company XXXX XXXX XXXX XXXX was purchased by LoanCare , LLC. With XXXX XXXX my due date was the XXXX of every month and considered late after the XXXX of each month. In XXXX & XXXX of XXXX I was charged fees for late payment, however both payments were made and posted before the XXXX of each month. I recently heard through an employee of FDIC that mortgage companies can not assess those type of fees on assumed loans with out the proper notification to the home owner. 
So, I reached out to my " new '' mortgage company XX/XX/XXXX requesting a refund of the {$15.00} assessed late fees ( {$5.00} in XXXX & {$10.00} in XXXX XXXX. 
In response to my complaint I received an emailed copy of their payment fee schedule they took from their website showing the following information : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system is {$12.00} at any time. 
All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

In the original paperwork I received about the transfer of mortgage companies there was nothing highlighted or printed in bold describing the change to my new mortgage payment schedule nor did I sign any document showing I was aware of the LoanCare 's payment fee policy. I feel this company 's practices are both deceptive and unfair. They clearly did not address my refund request and overall I feel taken advantage of by LoanCare , LLC. I understand that it is only {$15.00} but I can't imagine how much money they have made by taking advantage of former XXXX XXXX customers who didn't speak out about this deceptive practice.

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 2021-08-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I received a check from Citibank via XXXX express shipping for the amount of {$11.00}, XXXX the check is missing {$1000.00} on top of the {$2000.00} missing from the account. 

I called Citibank customer service 6 times over a few hours to get answers for why so much money is missing. I spoke to several reps who confirmed that {$1000.00} is missing from the check. They couldn't access transaction history or account statements for XX/XX/XXXX going forward to XX/XX/XXXX. The agents then transferred me to the fraud department who then informed me that the government took money from the check they sent me. But that is dishonesty on the behalf of citibank because I do not owe any debts to the irs or anyone. So what really happened to the rest of the money? 

On XX/XX/2021 I deposited that same citibank check into my new account at XXXX XXXX. XXXX XXXX said that SOME funds would be available today XX/XX/2021 but when I went to the bank, XXXX XXXX informed me that when they went to collect the funds CITIBANK stopped them and told them that funds wouldn't be available until XX/XX/2021 ... as you can already assume, this another inconvenience and a show of incompetence on the part of citibank and it's offshore customer service department. 

Since XX/XX/2021, I have been unfairly scrutinized and what seems like punished for spending money the way I see fit. Since XX/XX/XXXX, I have been humiliated and my life flipped upside down due to the extremely petty way that citibank has decided to scrutinize me. 

I still have NOT been informed of what I did wrong OR how my account ended up under a fraud investigation. It's now XX/XX/XXXX and citibank is still being dishonest in how it's handled my account. I have been waiting for WEEKS to see account statements and such. There is ALSO a LARGE sum of money missing. 

My mother died and her insurance left me that {$15000.00} check that I deposited into CITIBANK. It's been XXXX trying to do the things I need and it's also been hard to mourn my mother with having to constantly worry why citibank has decided to steal money and withhold answers when I've proven countless times that I am the account owner. 

You can see from the attachment below that XXXX was my balance before citibank closed my account. This was my balance on XX/XX/2021. What happened to the rest of the money???? Why is citibank being so shady???? And dishonest. 

Every time I speak to a customer service representative they act as if they don't know anything and can't help with anything and I honestly think it's the employees that stole from my account or did something funny to the 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 2023-10-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 To whom it may concern, THIS letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681 e ( b ) compliance and procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, Mail or email in a fraudulent account. I demand to see verification proof ( i.e an original contract with my signature on it ) that you have on file for the account listed or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts Has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide Me a copy of verifiable proof, you must delete the account listed below. 
I DEMAND THAT ANY ACCOUNTS BE VALIDATED OR DELETED IMMEDIATELY. 

In addition, Delete All non-account holding inquiries over ( 30 ) days old, also, please add a promotional suppression to my credit file.

Under Federal law, you have ( 30 ) day 's to complete your re-investagation. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 15 days of the completion of your re-investagation, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-11-01
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Good evening : Since XXXX of XXXX I have requested Mohela to update my PSLF status, which I believed would have allowed my accounts to have been discharged under several Board Of Education forgiveness policies from the Biden Administration. When I submitted my PSLF certification on XX/XX/XXXX and received a letter on XX/XX/XXXX that they were my servicer, I addressed XXXX & XXXX had not been qualified by Mohela for PSLF and I continued to request the correction for 2 years. In XX/XX/XXXX ; I was told they couldn't qualify the employer although it was the same employer since XXXX. Remind you, payments resume the following month in XXXX and if Mohela didnt make the PSLF corrections-the current balance will be incorrect and my payments will be high. 

In XX/XX/XXXX, My spouse and I submitted our IDR ( SAVE ) application. My spouse gave his income and I have no income as of XX/XX/XXXX, due to unemployment from multiple surgeries caused by COVID 19. After submitting our application we both get placed on Administrative Forbearance in XX/XX/XXXX when my payment of {$900.00} is due XX/XX/XXXX and his {$1100.00} on XX/XX/XXXX. On XXXX I receive a notice, " unable to grant our request ... ... ... .based on the reduction in your family size and/or an increase in income your payments will increase. This was not true. We reported the opposite of an increase in family size and decrease in income. They made an error. We called Mohela for the 4th time and talked to an advance representative and we shared everything again about my XXXX, our PSLF status not updated and my IDR being corrected. 

In conclusion, as of XX/XX/XXXX my account remains in forbearance, my PSLF for XXXX to XXXX finally got qualified but my ACCOUNT BALANCE is not recalculated from qualifying my employment for the PSLF and my IDR is still in processing mode. On the other hand, this doesn't make sense when my spouse IDR has been APPROVED to a lower amount of {$750.00} -starting XXXX XXXX they haven't recalculated his balance based on the 14 PSLF that have been certify by Student Aid on XX/XX/XXXX, but they choose to keep those 14 payments in processing mode. 

***Mohela is corrupt and need to be replaced with another agency. Mohela is putting people in Administrative Forbearance, delaying approvals, not qualifying employers that have been certified by Student Aid and not recalculating account balances that will render lower payments for their borrowers. ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act the following XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 2020-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told th at I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-07
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT XXXX account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on the due date that posted the following day resulting in it being late by 1 day. Im not disputing the late fee its the amount due and past due charges that I cant get any cooperation in resolving. Because I made the payment my account should have been current. Instead I had a past due amount of {$25.00} and a minimum due of {$87.00} the next month. My minimum payment was {$42.00} prior to being 1 day late. The supervisor told me that my payment increase is because I was late. Nowhere in the credit card agreement does it say this or that late fees must be paid immediately. Normally late fees would be added to your balance. Synchrony bank is a predatory Lender and will continue to be. My account was also closed by the supervisor and another account with synchrony I had never used. I can provide a copy of my credit file. I have zero late payments with any of my creditors revolving or installment. I was never late with my synchrony account until this payment posted a day late which is my fault. I just dont understand the doubling my payment and {$40.00} late fees because I am not paying the higher payment. I continue to make the required minimum payments I was making prior to this

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 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX when I left my wallet with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, 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 explanation
Consumer complaint received 2020-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action

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 2022-08-10
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX After making numerous called to Equifax about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per Equifax data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to Equifax or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to Equifax data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to Equifax or any person permission to report/share any assumed data that I will mention in the complaint. 

Equifax and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( XXXX ) ( XXXX )., They are also in violation of the data protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I installed an alarm system with XXXX. In XXXX I called to cancel the service because of a drastic increase in the payment amount. Although the company agreed to cancel the service, I noticed the charge on my credit report from a collection agency in the amount of XXXX. After I disputed the charge with the collection agency ( XXXX XXXX ) they removed the charge from my credit report. Today, the charge was placed back on my credit report by a new collection agency named Zions. When I contacted Zions at XXXX, I was met with insults, threats, and profane laced language. I want this charge removed from my credit report since I dont owe them anything. Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
State: UT
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCHRONY FINANCIAL, on XXXX. XXXX, 2020,  XXXX XXXX XXXX and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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