BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: Kashia Services
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On yesterday Spring water Financial contacted me about a loan i took out with them. I explained to the young lady that i signed up with a debt relief company that was going to assist me with paying off my loans. And that they should have received the documents from them by now. The young lady who called said to you took out this debt and the collection calls will continue. i hung up the phone and she called back i told her i was advised not to speak with them. She then sent me a text saying Spring Water is needing a return call asap you took out this loan not any one else so we need to speak with YOU! you have have an outstanding balance of {$620.00} that needs to be resolved so collection efforts will continue until we can speak with you to meet a mutual agreement XXXX. I only took out {$220.00} so i don't understand how i owe so much I received this email this morning : Spring Water Financial has provided a loan to customer on XX/XX/19 and the customer has not made a payment on the loan. 
As a fact she revoked ACH thru her bank on her first payment on XX/XX/19. This customer should not qualify to be in your program for Spring Water Financial since she has not made any payment on the loan. 
Spring Water Financial will not settle this account for anything less than {$300.00} which principal balance with fees. If the customer worked with Spring Water Financial directly we would offer her {$25.00} bi weekly payments until the {$300.00} was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a business checking account with Bank of America that had a promotional bonus of {$1000.00} for maintaining a {$30000.00} bonus for 60 days. I completed the requirements for the bonus and Bank of America will not pay it, claiming I should have used an offer code. No offer code was required when I opened the account, nor is one required in the terms and conditions found in the attached screen shots of the application page.

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 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I wish for the investigative process to begin on these accounts where I am never overdue, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company REGIONAL ACC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$19000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-20
Company: Universal Envoy Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company UNIVERSAL COLLCTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$360.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did a treatment in XXXX XXXX XXXX XXXX, because of the high cost, they offered me to apply for a XXXX XXXX XXXX XXXX to pay for the treatment of XXXX. The promotion was 0 % interest for 18 months starting in XX/XX/XXXX and ending in XX/XX/XXXX during the dental treatment they had to make another dental arrangement for which they offered me to pay it with a second promotion which started in XX/XX/XXXX and ending in XX/XX/XXXX. When the first promotion ended, the receipt said that I had to pay XXXX to avoid the interest. I always made my payments on time by sending more than the minimum required and I sent XXXX because I knew I had a balance on the second promotion. XXXX charged the full payment to the second promotion instead of splitting the payment to cover the balance of the first promotion and they are now charging XXXX for the interest. It seems very unfair to me since I have made my payments for 18 months on time and more than the minimum required. Consequently in XXXX, the payment of XXXX was applied to the interest but they are adding XXXX to the interest. I hope you can help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I requested a forbearance from my lender ( Flagstar Bank ) due to financial ssues I was facing because of Covid 19. The process for applying for the forbearance was promoted on the Lenders website and was a extremely simple process with no questions asked except whether I was facing a financial hardship. Once that question was answered there was no other follow-up questions. The forbearance began and was originally meant to go 6 months. Later they offered to extend to a full year. One again no questions asked. I accepted because all along I was told that when the forbearance ended they would work with the restructure the loan and that I would not owe the amount accumulated during the forbearance. In XXXX of XXXX I called to end the forbearance and begin the process of restructuring the loan. I was told to submit a loss mitigation application and they would review it and call with the details of the restructure. After about 2 weeks they told me they couldn't help me because I did not occupy the property. The home is used as a rental. They explained that the investors guidelines for my loan type do not provide loan restructures unless I occupy the home. I was never told this when I began the forbearance. I was never asked any follow-up questions when I set up the forbearance nor any time during the forbearance about whether or not I occupied the property or if it was a rental. It wasn't warned on their site that some loan types are not eligible or that renting the property was an issues for some loan types. I would have never began the forbearance and accumulated this unpaid mortgage amount if I had known or was asked those questions. They have told me there is nothing I can do. They did extend the forbearance until XXXX so I could find some potential help. Hud.gov has also given me no solutions. At the end of XXXX I will have the entire accumulated amount due if there is no other options provided. This will likely lead to a foreclosure in the coming months. I owe roughly {$11000.00}. 

My complaint is that was never told this was an issue when I began the forbearance nor was it even a question asked online when I set up the forbearance. How could I have known that was an issue? Their website all says that there is no risk in setting up a forbearance and that they " There to help ''. It was misleading and now I am in an extremely difficult situation.

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 2019-07-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! 

We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! 
We need to have this cleared up so we can live our lives and keep working to get our XXXX   child through XXXX XXXX. 

PLEASES HELP! 

XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX  XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.

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 2022-01-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have VA XXXX for my homestead in XXXX XXXX Florida. MY VA loan is being serviced through LOANCARE. I was declared 100 % P & T on XX/XX/XXXX. I applied for and was granted a 100 % property tax exemption indefinitely beginning for tax year XXXX by the XXXX XXXX, FL XXXX XXXX XXXX XXXX. I sent LOANCARE my P & T letter and a letter from the property appraiser 's showing I am exempt from paying property taxes for XXXX but for {$250.00} per year garbage fee. LOANCARE is refusing to accordingly reduce my escrow for XXXX and is still charging me a higher payment as if I will half to be responsible for my property taxes for XXXX. My property taxes at {$18000.00} a year so LOANCARE is unlawfully charging me an extra {$1500.00} a month! I told them I refuse to pay a higher escrow for property taxes that they know I do not and will not owe for XXXX. They said if I do not pay the extra {$1500.00} a month, they will foreclose on me and take my home. I can not afford to pay {$1500.00} a month for an entire year for no lawful reason. Please help me. This is wrong.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent a letter to transunion to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.

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 2023-08-16
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good Evening, XXXX XX/XX/2023, I went to pay my car loan and realized that the XX/XX/2023 payment had not gone through. As soon as I realized this, I immediately made a double payment. A day later, I received an alert from my credit reporting agency indicating that my credit dropped by XXXX points because of a XXXX late payment. 

I wrote to American Honda Finance, informing them that I was not aware the payment for XX/XX/2023 had not gone through, I didn't receive any alerts informing me of this missed payment. There were no attempts to alert me of the situation. In addition, this is the first time I have had a late payment. 

On XX/XX/2023, I called to follow up on the status of my claim and I was informed that it was denied. The representative I spoke to indicated that they attempted to contact me the listed primary number of XXXX. This is an old work number. I no longer work at this company and so I never received any alerts. I was surprised that they listed my work number as a primary number instead of my personal cell phone number. So I had no knowledge of the late payment, nor was I sufficiently notified. I did not receive any communication by phone or email. All other companies follow up by phone and email, however American Honda Finance did not. 

As a result, I am requesting assistance with having the 30-day late payment removed from my credit report as I feel that American Honda Finance did not do their due diligence to notify me of this missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

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 2023-06-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My PayPal Credit account, run by Synchrony Bank, has the Autopay feature turned on, meaning that they automatically withdraw funds from my checking account each month to pay off a portion of my monthly bill. This year, they deducted {$120.00} on XXXX, {$120.00} on XXXX and {$170.00} on XXXX from my checking. Last XXXX and this month ( XXXX ), my auto-payments were returned due to lack of funds in my checking, for which I am charged a {$27.00} return check fee. 

My PayPal Credit account has been closed this whole time, and I am actively working with a lawyer to complete a bankruptcy filing. Since XXXX, I have wanted to turn off this Autopay because I need to save my money to pay for regular monthly bills. However, my personal PayPal account is currently locked because of a separate issue of an overdraft on the account causing a negative balance.

Paypal is refusing to unlock my account until I pay off the debt from my negative balance, which I can not afford at this time. However, since my PayPal Credit account is managed in the same Paypal dashboard, this lock has meant I can not turn off or modify my Credit AutoPay in any way for six months now.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation