BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: Equitable Acceptance Corp
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to sell our house. We accepted an offer from XXXX XXXX XXXX and the pre-approval of {$450000.00} was supplied by XXXX XXXX XXXX  written by XXXX XXXX. After two addendum due to issues securing financing we gave them a third try but requested they use our lender. We had moved out prior to closing in anticipation of the first proposed closing date and after the second addendum passed we claimed the earnest money to cover the extra expenses of two payments etc. The entire time they requested repeatedly to move in prior to signing, due various hardships. Then as they walked away from the deal it became apparent that they could n't get the financing due to reported income and what appears to be blatant tax evasion by XXXX XXXX. In fact, the lender we recommended via my broker let it be known the the approval letter should never have been written. It was fraudulent and XXXX XXXX is the brother-in-law of XXXX XXXX. The pre-approval was dated XXXX XXXX 2017 and we accepted it on good faith. If we had let them move in early there is little chance they would have been able to secure financing in a reasonable time frame and I would have unwanted renters and not sure if they would even pay rent. This cost me time and money while eating up the prime season to sell a home. End of summer and they walk away. This needs to be looked into in case they are trying to wiggle into someone else 's home in order to squat with a phone pre-approval by a illegitimate lender approval and cost another seller so much time and money. More details are available upon request i.e. addendums, dates, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: NJ
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 have applied for credit with SYNCB/XXXX XXXX on XX/XX/XXXX. I have two hard inquiries on my credit report showing that my credit was run twice. One time on XX/XX/2022 and the other time on XX/XX/2022. When I spoke with one of the XXXX XXXX manager they stated that they only ran my credit one time on XX/XX/2022. I would like to have that inquiry from XX/XX/XXXX remove from my credit report please. They verify that they used the same information submitted to them on XX/XX/XXXX and only ran my credit on XX/XX/XXXX when they spoke to me. Please rectify this information and advise what other information I need to submit in order to resolve this issue. 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 2017-09-28
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America is not honoring all the terms of my offer, specifically a {$100.00} statement credit. All terms and conditions have been met, yet the {$100.00} statement credit has not posted and representatives over the phone refused to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to contact Convergent outsourcing collection agency for two month total to settle a debt. I have sent them 3 letters, two of a settlement for the debt and another For a verification of the debt. I have also submitted an online contact form ( the only way to email them ) and never gotten a response until yesterday ( XX/XX/2020 ) via phone. I tried contacting them to return the missed phone call and the phone Just rung for the operator. On XX/XX/2020 I finally was able to speak with a representative to pay the debt although I received no verification of my ownership after a written request. I paid to settle the debt on XX/XX/2020 and was told that I could not have a receipt emailed to me. I got no receipt for my payment. I am very displeased with the lack of response from this collection agency and because of that it took two unnecessary months to settle this un verified debt. I have certified mail receipts and copies of all letters that I will gather for further investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2022-03-23
Company: BARCLAYS BANK DELAWARE
State: PA
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:
For two months now, I have experienced an issue where I have scheduled a payment in the XXXX application, seen the confirmation screen, and then come back the next day to find that my payment was not processed, and I have been charged a late fee. The first time it occurred the fees and interest charged were waived. I scheduled a payment via web as soon as it became known to me for the full statement balance of the card yet again this month, and when I contacted Barclay 's on XX/XX/22 to ask if there was some place I can report a bug in the application and requested that fees be waived, I received a dismissive response of advice such as " you can schedule a payment up to 10 days before it is due ''. Yes, that is true, but if responsible use of a credit card as a short-term loan is supposed to involve paying the balance in full ( which I have been doing for some time now on this account, I might add ), why would I do so any sooner than I need to? To my point, I was refused a second fee waiver with those unhelpful responses, which did not answer my question.

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 2017-07-03
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: Account information incorrect

Complaint:
I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.

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 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
This account XXXX appears to be inaccurate or incomplete on my credit report and it only reports to Equifax XXXX The said account has violated my consumer rights in accordance with the Fair Credit Reporting Act. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  XX/XX/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 XXXX XXXX XXXX IXXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MI
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:
To begin, I haven't been trying to contact a " real person '' with Experian for the past week. Upon finally getting in touch with someone on XX/XX/XXXX, he was not only rude, but of no help in trying to solve my issue. I noticed some activity on my report and immediately placed a freeze on the account and tried to get things removed ( inquiries ) that were not authorized by myself. I also contacted the company before contacting Experian. I am a customer and I contacted this company for assistance, of which I received none.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY.

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX. I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and 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 2022-03-23
Company: OPORTUN FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am in the process of refinancing my house with a cash out option. Part of the arrangement is that the mortgage company pays off my loans with the cash and gives me whatever is left over. I called all the loan companies that were going to get paid off starting on XX/XX/2022. I requested a letter to be emailed to me with future dated pay off balances ( most gave me 10 days ) along with their address because the mortgage company would be sending out check payments. All companies had their letters to me to forward to the mortgage company so that they can send checks with the balanced owed within 24 hours except for Oportun. 

You can see in the attached, I received a letter on XX/XX/2022 with an expiration of the same date. On XX/XX/2022, I called Oportun to inform them that the letter they sent is not what I asked for. I was told I would have another letter emailed to me within 24 -48 hours. I waited for that time to pass and I received nothing. I called them on XX/XX/2022 to request the letter again. They told me they put in 2 tickets for that day. I was to receive a letter within 1-3 business days. The mortgage company contacted them on behalf to help me out and was told I would receive a letter ASAP. 

Being that the other letters were about to expire ( as most were 10 day payoff letters ), I contacted Oportun that Monday on XX/XX/2022. They told me that they would have a letter to me ASAP. I called later the afternoon as I had not yet received one and was told to wait until XXXX by the supervisor, XXXX XXXX XXXX I waited until XXXX pm and called back. I was told by the supervisor, XXXX XXXX that I would have one by the end of the day. 

By the end of the day, the mortgage company recommended that I contact the XXXX  and you to inform of the predatory, poor and shady business practices of Oportun. I reported to the XXXX  and you on XX/XX/2022 and sent a message to an Oportun executive through XXXX ( which with no surprise, did not receive any response ). 

On XX/XX/2022, I called first thing in the morning. I was told that they would put in another ticket request for me. I told that it was not necessary as many have been put in. I requested a supervisor or manager and they told that they would not be in until XXXX XXXX and that they would have them call me. Needless to say, I never received a phone call but received another letter dated for the same day ( XX/XX/2022 ) at XXXX. 

Since that is all I could get from them, I asked the mortgage company if we could work with it. They ended up working around it and contacting Oportun one last time to request a future dated payoff letter as they would send a check payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
A fee of {$1.00} will be added. 

All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment. 

You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
No service fees are applicable when setting up recurring payments using your checking or savings account. 

MAIL CHECK OR MONEY ORDER. 
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order. 

THIRD-PARTY BILL PAYMENT SERVICE. 
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage. 

The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly. 

Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE. 
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
1 XXXX XXXX  XXXX XXXX ACCOUNT # XXXX 2 ) WELLS FARGO ACCOUNT # XXXX 3 ) XXXX XXXX ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..

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