BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went online to make a mortgage payment. Online the website says that late fees will charged after the XXXX of the month. I made my payment on the XXXX and was charged a fee of {$6.00} to make the payment. I then called to ask why the payment was {$6.00} higher than my actual mortgage payment and I was told that this was the fee to make a payment online after the XXXX of the month, and it wasn't technically a late fee, it is a processing fee. But there is no " processing fee to make the payment prior to that date '' clearly making this a late fee. I was also told that I could have called and made a payment over the phone at no charge. 
This is clearly deceptive as it is not clearly disclosed on the website as the website only references there being a fee after the XXXX. They use deceptive terminology when calling them in an attempt to con the payer by calling this fee a processing fee. But in reality it is a late fee as it is only triggered when making the payment beyond a certain date. I spent 40 minutes on the phone and spoke with 4 representatives. The last one told me to call back in couple of days.

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 2020-02-25
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we brought house at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
In XX/XX/XXXX my husband had a XXXX  XXXX, that left him XXXX on right side and is XXXX I had to take time of from my job to assisted my husband. We did not received any XXXX until 2 years later with no back pay.. 

From that time and until XXXX. We have been struggling with keeping our home under XXXX XXXX XXXX XXXX and Fay Sevicing. We tried to do modifications several times and was denied. 

On XX/XX/XXXX, our home accidentally caught on fire and the house was totally burn down. It took been 2 years and the house is just now starting to be work on. Fay Servicing received full payment from my insurance company.. My constructor XXXX  XXXX  received some of money for Fay Servicing to start Construction on our home. 

In the meantime on XX/XX/XXXX a motion was file to Civil Court to reinstate a sale date. It was filed under a new bank named XXXX XXXX XXXX XXXX as trustee to our home to our home. We were never served a with any correspondents that XXXX XXXX XXXXXXXX was one of parties of interest to the house. We were not served and XXXX XXXX  is requesting a sale date. 

And also if XXXX XXXX  is granted sale date of property in present condition then we would have a huge deficiency judgment left on us. 

For years we have been trying to save our house and to no avail. 
We need help to save our home. 

Thank you for the cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ERC
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:
adding debt that is not known to me XXXX and enchance recovery sent the ftc violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
adding debt that is not known to me portfolio and XXXX XXXX sent the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX from the military in XX/XX/2015, I have had medical insurance through the Department of Veteran Affairs since the day I was XXXX in XX/XX/2015. I gave XXXX XXXX XXXX XXXX copies and proof of insurance, proving that I should not have been billed directly for the visits. 


1. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$1300.00} 2. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$440.00} 3.  Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$130.00} 4.Original Creditor Name - XXXX  XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the  vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXXXXXX XXXX and all three credit bureaus : XXXX, XXXX and Transunion are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX XXXXXXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.

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 2019-05-13
Company: BRite Financial Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX and on XX/XX/2019 i financed a car and the next day I gave the sales representative my tag information to transfer to the new car..they claim that its something wrong with the tag and that they have issued a new one and I have to pay XXXX now instead of XXXX.. My tag has been expired since XX/XX/2019 and its XX/XX/2019 and they don't want to issue another paper tag until the situation is resolved I'm ready to give the car back and go to another dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX  XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: GOLDMAN SACHS BANK USA
State: CA
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 applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card. 
Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/XXXX i was over charged by {$9800.00}. Bank of america credit card took almost one month to return my funds. They still owe me {$10.00} and have had multiple excuses as to why they can not figure out how or when they'll be returning my finds. I always get a different answer, just a run around. Please help so they can not do this to others as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: DC
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 XXXXXXXX XXXX and all three credit bureaus : XXXX, Experian and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX  XXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.

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 2021-08-21
Company: BARCLAYS BANK DELAWARE
State: OR
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:
Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.

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 2019-07-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 38 and 39 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
OneMain Financial reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a hard inquiry dated XX/XX/XXXX on my TransUnion credit report from Syncb National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my XXXX report. It, however does not appear on my XXXX  report. So I decided to call Syncb at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call XXXX  and let them know. I asked him if I need anything from him and he said no, that XXXX  would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call Syncb back and get a letter of deletion from Syncb. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report.

I call Synb back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that XXXX  requested it and still they refused to provide any such document. 

Furious, I called XXXX  back and let them know that Syncb refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in Syncb 's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this Syncb National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

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 2019-01-30
Company: SYNCHRONY FINANCIAL
State: TN
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:
Sync/Walmart DC reflects my account has been charged off when in fact it was assigned to XXXX XXXX to collect the debt. XXXX XXXX is attempting to collect the debt but does not report to the credit bureau and can not inform me as to how this will reflect on my credit if it was paid off.

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XX/XX/2019 I notified Transunion Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!!

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 2018-08-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX on XX/XX/ to setup service for my Girlfriend who lives in an apartment separate to mine. The representative on the phone asked for my social very shortly after getting on the phone with me, in her words " this is a standard procedure to verify whoever is calling us does not have any debt owed to XXXX '', so I gave them my social because I was the one calling. She did not inform me that she was using my social to create a XXXX account under my name ( instead of my Girlfriend 's name ), and she pulled my credit report without my consent or even telling me she was doing so. I fixed the problem with the account having my problem but there is still a hard inquiry from Equifax fromXX/XX/XXXX. I attempted to dispute it with Equifax but the dispute was denied. I was planning on setting up XXXX service for myself about two months later, so my " fallback '' solution was to setup an order for myself that would be completed in two months, so that they would be able to setup service for me without checking my credit again ( since they had already just done it, every XXXX representative I spoke to said that my credit would be held on file for 30 days and my credit would not be checked again since I am setting up an order within 30 days of my credit being checked ). When I went to complete the pending order, XXXX pulled my credit report again, and again did not inform me or did not have my consent. There are now two hard inquiries on my Equifax from XXXX that I did not authorize. Obviously it would be reasonable to expect one to be on there, for setting up my service, but there are two, and I did not authorize either one. 

The representative I spoke to on XX/XX/XXXX to setup service for XX/XX/XXXX confirmed that a second credit check would NOT take place, since they had checked credit on XX/XX/XXXX and it was within the 30 day window. Her employee ID is # XXXX and her name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: VW Credit
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # 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.

When the car was repossessed, I did not receive any information on the car such as ; 1.if it was sold or going to be auctioned off so that I could have a chance to redeem the car. 2. For years they have been reporting two different amounts as to what I owe. 3.Ive contacted them on numerous occasions to send me validation of this debt, and the amount it was sold for. I also had GAP insurance on this car which means some of what I owed was paid off. I have yet gotten a response. I am requesting this account be taken off my credit report.

Company response to consumer: Closed with explanation