BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In complaint XXXX, I noted that I had been given a COVID-19 partial claim but was still being reported as delinquent. Two of the three major bureaus were edited to remove the inaccurate COVID information ( but not to reflect the timely unemployment forebearance payments ), but there has been nothing done to resolve the XXXX report, which still shows the inaccurate information. 
* * * As previously stated : " I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected. ''

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 2023-01-06
Company: Navient Solutions, LLC.
State: CA
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 strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. 

On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. 

On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. 

On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. 
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Wells Fargo, and I have been trying to get access to copies of checks that have been deposit onto me account ; but the online system only allow Wells Fargo clients to access checks within 90 days of deposit ( most banks allow up to 3 years ).
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In order for me to get online access ( view ) the check details ( such check number ) behind the 90 days, and or go to the branch for the same reason, Wells Fargo charges his clients a fee per every check request. In addition, it will take the clients 10 days or more to view the check that it will be sent via mail. Wells Fargo do not allow his clients to print, download a check behind the 90 days either. In my personal opinion, it 's my believe that Wells Fargo practices are not only deceiving the consumers on what fees they charge ( i.e - my account has no fee if I keep a a minimum balance ; however they will get their money to use such services like get a copy and or view a check ), but as well unfair business practices.. Most banks, such XXXX XXXX, allow their clients to view account summary, checks, print, and download the same up to 3 years ; so why is Wells Fargo does not follow the same rules as other banks?

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 2022-10-07
Company: EQUIFAX, INC.
State: PA
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:
hello, the XXXXXXXX XXXX  account that appears on my XXXX  equifax and XXXX  credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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:
Experian and XXXX were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. XXXX and Experian continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.

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 2021-03-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am struggling to make payments on my vehicle since loosing my job because of the pandemic. Ive been reaching out to the company, Ally. They arent willing to continue helping. They expressed if I make 2 consecutive payments I would qualify. Ive exhausted borrowing money ( that is impossible to repay ) from family. Its depressing and embarrassing to be in this position. Many ways people are being helped during this time, owning and repaying vehicle isnt one thats has been addressed for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of XXXX on XX/XX/2022 which was the full balance of my express credit card. Today is XX/XX/2022 and I went to use my credit card for a purchase and it was declined due even though I had just used it for {$25.00} for an online order in store. It would not allow me to make the remaining {$260.00} purchase even though my account reflects an available balance of {$270.00}. I called the credit card company ( comenity bank/bread financial ) and they said that the account was suspended. I asked how I used it for the {$25.00} and they couldnt give me an answer. Theyre holding my money hostage, I was not notified at the time of payment that it wasnt going to be available immediately, furthermore this has never happened before so why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: REGIONS FINANCIAL CORPORATION
State: OH
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:
I have a vehicle fleet card program with  FleetCor.  They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove.     In   XXXX   XXXX     customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills.     These fees continued to accumulate and reached in excess of {$1000.00} by the end of  XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}.     I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived.     I Called in  XXXX . I was on hold for over an HOUR --  Yes  over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on.     So I called in  XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to  XXXX , their competitor.     I find  FleetCor  's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.

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 2022-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am demanding these accounts to be removed from my credit report. It has made it extremely difficult to get approved due to these delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Collection Account : XXXX Account # XXXX XXXX USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a care credit account because my husband needed dental work, they closed my account automatically and state it can not be reopened, I paid well over the amount due but beginning in XXXX I had problems with the app allowing me to place a payment under the correct account. Subsequently the payments were sent back for NSF, at the beginning of XXXX I made a payment and it was trying to go to the incorrect checking account, I called them to stop the process and called the bank to stop the process, neither could do so because it was pending. I was assured by an agent that it was not going to be a problem. Shortly after I received a letter stating that the account was closed due to dishonored payments. I called them to rectify the situation and they refused to reopen my account, when they closed my account my XXXX  score dropped over XXXX points. No one is trying to help me even after sufficient credit with them to have my credit line increased from XXXX to XXXX because I also need extensive dental work. Now I have broken teeth with no way to get them fixed. The rep that told me everything would be " fine '' flat out lied to me. At closing I had paid close to half of the debt and made payments of more than the minimum so I would have enough credit to have my teeth surgically removed and have dentures because a medication destroyed the roots in my mouth. No one is willing to assist me and only ask me to reapply for credit although I consistently paid well over the minimum amount.

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 2022-04-15
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a 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 2022-10-19
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: Personal information incorrect

Complaint:
I have unnecessary negative accounts on my credit reports that needs to be looked thoroughly at. False Info linked into bad account which is considered fraud.

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 2021-08-02
Company: Freedom Mortgage Company
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, Freedom Mortgage Corporation was sent by Notary presentment a " FIRST NOTICE FOR AFFIDAVIT OF LOAN DENIAL. '' I invoke my name pro tunc, specified remedy under 15 U.S. Code. -1692. and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX Freedom Mortgage Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition. 

Pursuant to 15 U.S. Code 1635 ( a ), I am invoking my right to rescission as a consumer in a consumer credit transaction.

Company response to consumer: Closed with explanation