BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: MD
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:
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

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 2023-10-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information. Remove inaccurate names and addresses

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 2019-03-20
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I took out student loans totaling {$19000.00}. At the end of school in XXXX, I started paying on my 15 year loan. I paid for 7 years. When it came to my attention that the balance was not going down any longer ( around XXXX ), I contacted XXXX XXXX. I was told I had refinanced my loan into an Interest-Only Loan. I  DID NOT do that so I asked for paperwork to show me when I asked for this and show me my signature. It never arrived. I stopped paying on the loan until it could get this resolved. These communications went on over the years and the loan went into default in XXXX. In XXXX, it came to my attention that I had an entry on my credit report in the range of {$90000.00}. After going back and forth again, I finally made a Complaint with this agency, the CFPB ( I think around XXXX ). The entry was removed from my credit file. Later, I received more communication in the mail. I sent two certified packages ( with 32 or 33 pages  each ) to the address provided. When I followed up by phone, they would say they never received the package. Nothing became of it and I did not hear from them any longer. Now, they have send a Wage Garnishment to my employer. When I called my Payroll Dept, I was told this was from the Dept of Education. I asked for copies ( I will send to you ) and they are not the Dept of Education - they are a collection agent posing as the Dept of Education. It is a different collection agent than before. I did not have a student loan even close to {$90000.00}. Is a Collection Agent allowed to collect " late fees '' and garnish my wages? Are they allowed to pose as the Dept of Education when they are not? I can be reached at any time at XXXX. Thank you for your assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I am the recipient of a Georgia UI Way2Go Card Prepaid Mastercard. The card 's terms state that a funds transfer is a feature of the card : " You may transfer funds from your Card to a XXXX XXXX account owned by you. A fee will be assessed for each funds transfer request. You must initiate the funds transfer by calling the automated customer service at XXXX. '' I attempted to initiate a funds transfer by calling the automated customer service number 4 times on XX/XX/2020 and 2 times again on XX/XX/2020. I entered my account information and went through every option on the entire automated menu each time I called. There never was an option to initiate a funds transfer, nor was there ever an option to speak to a customer service representative. Each time I called, I exhausted all of the menu options presented to me before receiving the message that my " menu selection was invalid '' if I tried to press " 0, '' for example, then, " We're sorry you're having trouble. Goodbye, '' and my call was disconnected each time. This inability to initiate a funds transfer through the automated customer service line is completely contradictory to what is stated in the card 's terms. There also is no option to initiate a funds transfer from my Way2Go online account, as the only " Services '' offered there are " Bill Pay, '' " Alerts Management, '' " Pin Management, '' and " Disputes '' to dispute a transaction. I did find a link on the Way2Go Card website to " sign up for Direct Deposit, '' but when I clicked this, my State Program was not listed in the drop down menu ; the website explained that this means direct deposit from the card is not an option available to me. The only phone number given to contact Customer Service for this program is the automated line, which, as stated previously, doesn't give you the option to talk to a human to ask any questions, so I can find no way to initiate a funds transfer as stated in the card terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capitol One lowered my credit limit from XXXX + to XXXX. Our account is in good standing, with no missed payments. We were notified after they had lowered our limit that it was because we don't keep a high balance on our cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

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 2023-04-20
Company: Google Compare Credit Cards Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I HAVE BEEN HACKED AND MY IDENTITY HAS BEEN ASSUMED BY OTHERS. GOOGLE SEARCH  AND WALLET ETC... HAS HAD STRANGE ACTIVITY FOR A LONG WHILE NOW, BUT HAS BEEN OVERT IN RECENT MONTHS. I HAVE AN XXXX BUSINESS ACCOUNT I AM NOT AWARE OF, I HAVE NO VEHICLE. MY XXXX XXXX XXXX  HAS BEEN CLONED, AND IS ASSOCIATED WITH A XXXX ACCOUNT. I HAVE PODCAST ACTIVITY AND AN ACCOUNT WITH XXXX THAT I AM NOT AWARE OF UNTIL RECENTLY. I HAVE A HOLD ON MY CREDIT REPORT THAT I PERSONALLY DID NOT REQUEST. MY XXXX XXXX HAS BEEN HACKED AND MY XXXX WIFI, AT ONE POINT I WAS THE ONLY ONE WITHOUT WIFI IN MY APT COMPLEX, THIS SITUATION HAPPENED IN XXXX, TX WITH XXXX, BEFORE MY ILLEGAL FORECLOSURE WITH XXXX XXXX, XXXX  CUT OFF MY INTERNET AND I WAS THE ONLY HOME WITHOUT IT. I HAVE MOVED FROM XXXX XXXX XXXX TO XXXX  AND THE SAME THINGS KEEP HAPPENING TO ME. I HAVE REPORTED TO LOCAL AUTHORITIES IN TX, FBI, CIA and the WHITE HOUSE DUE TO HAVING MAJOR ISSUES WITH XXXX DOD, DOL, USPS and OWCP. I HAVE INFO IN MY PHONE OF STRANGE HAPPENINGS, ANY HELP WOULD BE GREATLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-17
Company: R.T.R. Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RTR Financial Services Inc is in Violation of the FDCPA and FRCA. On XX/XX/23 I recieved another communication from them stating I owe them {$550.00} in which under 15 USC 1692b ( 3 ) states a debt collector shall not communicate with such person more than once unless requested to do so by such person, also their in violation of 15 USC 1692 b ( 2 ) stating the amount of debt to be owed as {$550.00}, Violation of 15 USC 1692 b ( 5 ) which states not to use any language or symbol on any communication effected by the mails or telegram that indicates that the debt collector is in the debt, collection business or that the communication relates to the collection of a debt, also 15 USC 1692c ( 3 ) by Contacting me at my place of employment ( without consent ), also 15 USC 1692 b ( 2 ) which states a debt collector shall not communicate with such person more than once unless requested by such person [ in which I never requested that they send me anything, as this is the second notice sent to me which is a form of harrassment ], as I filed a complaint stating that I do not wish to do business with them, also they are in violation of 15 USC Section 602A which state I have a right to privacy. I also demand that the CFPB enforce the law, as this is my second complaint about this company and under 15 USC 1681m I am entitled to monetary relief in the penal sum of {$1000.00} per violation in which which in this letter there is a total of 5 bringing the amount of relief to {$5000.00} United States Dollars. Once again I have no lawful contract with this company, nor do I consent to them contacting me including at my place of employment or anywhere at all.I authorize the CFPB to use whatever method available to enforce payment to me the consumer for violation of my federally protected rights. 
XXXX XXXX XXXX / CONSUMER without recourse [ Please note the address they are mailing is my work address XXXX XXXX XXXX XXXX XXXX as seen in the attached documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Stewart Information Services
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I recently went over amounts of different fees on mortgage statement ; by hand. What I discovered was deliberate fraud, misleading information, accounts added claiming we signed for other loans and amounts ( these same accounts were paid off by us before we went to closing ). 
The discrepancies that are on the loan are very deliberate and there is no way for these amounts to have been mistaken. 
We were charged XXXX  of dollars more than what we should have been. 
I have contacted the title company ( that originally did our loan paperwork and have been given the run around by this company as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues. 

The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly. 

1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.

3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your 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
Consumer complaint received 2019-03-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX at XXXX EDT, I received an email from XXXX XXXX   that implies that I am currently enrolled at the XXXX XXXX . I  graduated on XX/XX/XXXX and NSLDS accurately reflects my end of attendance as XX/XX/XXXX. I believe that I should not have received this letter from XXXX and that actions should not be taken on my loans. My loans should be treated the same as how XXXX treated them before XXXX transferred my loans to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: CONDOR CAPITAL CORP
State: MA
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:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages 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 2021-05-14
Company: Bread Financial Holdings, Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I opened a Comenity Bank/Victoria 's Secret consumer credit card on XX/XX/XXXX. From the date the account was open in XXXX I remained current on all payments. In XX/XX/XXXX I took a job with a small medical practice that mainly served the geriatric population. The first COVID19 cases were being reported in late XXXX and our geriatric patient population began declining significantly due to the fear of being in a healthcare setting during an outbreak of a deadly virus. My hours were cut significantly at the beginning of XXXX and I was completely laid off at the end of XXXX due to lack of work. I missed my XXXX payment on my Comenity Bank/Victoria 's secret credit card due to the lack of working hours and uncertainty of financial stability at that time. In XXXX I was approved for unemployment assistance at which time I resumed payments on this card. I disputed the late charge that was reported to the credit bureau along with proof that I was laid off due to the Pandemic. After several disputes and explanation of my situation along with proof, Comenity Bank/Victoria 's secret still refuses to remove the late payment from my credit report.

Company response to consumer: Closed with explanation