BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue is the annual escrow account disclosure statement dated XX/XX/XXXX. The letter states our mortgage will go up to {$1500.00} effective on XX/XX/XXXX. This is an increase of {$250.00} a month, which equates to {$3000.00} a year. The statement lists an escrow shortage of {$2200.00}. This is despite the fact our taxes went down {$130.00} as compared to XXXX. During our phone calls, no one, including supervisors, could explain why our mortgage payment would go up while our taxes went down. Clearly there is an error. We have continued to pay our previous amount of {$1300.00} based on the conversation we had on XX/XX/XXXX. I've attempted to contact LoanCare/XXXX  many times and did receive a letter from them. However, the attachments weren't there and the question ( s ) weren't answered. I've tried to call the number listed for direct contact but the message just say " unavailable '' and there is no option to leave a message. I've been working on this for 4 months now and they are charging late fees in spite of the fact one supervisor said to continue with my existing payment until escrow does their review. My question boils down to this : if I've been paying my mortage on time and in full for the last several years, why do I have an increase of {$250.00} a month XXXX $ XXXX XXXX when my taxes went down? They continue to site a " shortage '' but fail to tell me where the shortage is from and how it was calculated. 

Please help! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
CHASE CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Highway  XXXX this payday loan company, now I know about the payday loan tactics and I aas a fan of cashnet for about a year I paid off the debt and reopened it once u get over a certain amount they don't tell you your payments will jump from XXXX to XXXX, almost something that us impossible to afford! But not only that they do have repayment plans where they break up your XXXX but they don't tell you the interest on this. XXXX is XXXX I was paying back XXXX but after paying for 3 months I paid almost XXXX in fees ans interest and guess what I only had XXXX dollars added to the amount I could request back. They are making millions off of us. It really should be illegal the way they collect fees and interest I don't recommend a pay day loan to anyone!! After doing this I had to take out another XXXX just to pay the XXXX thay is dues every month! Then my bank takes it anyway so I have a great score with cashnet because they receive the money either way! What they don't see is now im negative XXXX in my bank accounts with a new XXXX dollar over draft! Its a vicious cycle! They have no leniency and on top of that im drained literally after the fees its like im taking 1 step forward and 3 steps back. I cant figure out how to get out of this. The company will split uo your payment but the only thing that does is adds to the balance which prolongs the loan and enevedably makes you more in debt, or option 2 they will change the date but that adds to your loan that way! There is no communication and it a poor sad company that is draining me and I don't recommend. Im extremely stressed and extremely behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX  account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.

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 2022-09-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Filing an harassment complaint on Zales credit card 's collection company Comenity Bank. For the month of XXXX due to unforeseen circumstances a full payment could not be made. However the goal was to make a partial payment so as not to miss paying each month. However since that time Zales has been calling my repeatedly sometimes multiple times per day.

1. This screenshot shows a payment of {$50.00} was paid on XXXX XX/XX/2022. 

2. However since that time Commenity has called a total of XXXX times in 4 days beginning on the XXXX of XXXX a. XXXX XXXX ( 3 times ) i. XXXX XXXX. XXXX XXXX. XXXX b. XXXX XXXX ( XXXX times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX vii. XXXX XXXX. XXXX ix. XXXX x. XXXX c. XXXX XXXX ( 5 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX d. XXXX XXXX ( 4 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX e. XXXX XXXX ( 6 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request for a deferment to begin XX/XX/XXXX, along with supporting documentation. My request has been rejected several times although I have sent in sufficient documentation. The first document that I sent in was dated XXXX XXXX, however it showed that my benefits received from XXXX agency were ongoing..I also included my dependents insurance card showing new coverage would go in effect starting XX/XX/XXXX ( which is within time period of my deferment request ). Rhose documents were denied, and tep stated letter needed to be dated within 30 days. I explained to rep that XXXX XXXX  agency could only provide me with most recent letter that went out regarding my benefits ( that letter was dated XX/XX/XXXX, and once again showed that benefits would be renewed effective XX/XX/XXXX ). My second letter of documentation has also rejected..although it clearly shows that I am currently receiving benefits through a government agency, and benefits went into effect during time of deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: The CBE Group, Inc.
State: GA
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

CBE GROUP XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
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 have a loan with SELECT PORTFOLIO SVCIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX  and XXXX reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
There loans inquires credit card inquires that should not be on report or had access on my credit report and other social security numbers address that not associated with me and emails and full name and last names should be associated with my credit report and inquires for pay day loans credit cards car loan house loans that should not be with my credit or have any hard inquires I have not ran any hard inquires in 8 months of credit history only one time I allowed my credit to do one inquiry which was utility bill of gas bill and XXXX  cellular services that was the only 2 credit applications I need to have all hard and soft inquires removed off all 3 credit bureaus my credit history

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 mailed package XX/XX/2022 to Transunion with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Transunion to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can TransUnion have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by TransUnion due to the inaccurate information and incomplete information which I determined from TransUnion own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.

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 2023-06-24
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: SC
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 have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX XXXX and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, Transunion and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.

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 2019-08-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bank with Wells Fargo Mortgage and have noticed a trend when using the mobile app to submit my monthly mortgage payments. 

When I submit a payment, a confirmation number is generated on the screen. I try to remember to take a screen shot so I have this confirmation number as reference but on the occasions when I have not taken a screenshot, my payments have failed to process and when I contact Wells Fargo mortgage, they claim to have no record of the payment submission. In all fairness, Wells Fargo has removed the late fee that was assessed on 1 occasion and has confirm that no credit reporting has occurred as a result of these instances but I cant help but think Im not the only customer that is impacted by this and others may not be willing to spend 30 minutes on the phone with Wells Fargo to correct the issue. 

I would recommend that Wells Fargo make previously submitted/pending mortgage payments ( inclusive of confirmation numbers ) available for customers to view through their app and online.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
I reviewed my credit report from all three bureaus XXXX, XXXX and Experian. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXX XXXX  XXXX made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: LDF Holdings, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I recieved a reminder for a payment and informed them that it was an incorrect date. I also asked for an extension on the payment due to not being able to pay on the date. I have worked with this company before and an extension was not an issue. This person stating that it wouldn't be able to be extended even after I explained it would cause a charge. They refused to assist and stated that they would still process the payment. They then stated after it didnt go through they would contact me. On the reminder email it says call if there is a concern paying and they still refused to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have received letter from Spark Business capital one credit card issued XX/XX/2019 on stating " your account is being closed because the charges you typically make are high-cost transactions for capital one '' and Account closure date is XX/XX/2019. 

Basically, I didn't do anything wrong like late payments, over charged, any fraud. But there reason doesn't match with letter that they sent to me. 

When i talked with Capital One - They said they are not making money with wholesale vendors ( Like Costco, XXXX ) and unable to give cashback with large transaction so they are closing account. But what about person lost hard earn credit points while applying credit card. Even they do marketing with " Unlimited 2 % cash back on every purchase with no minimums or expiration date '' and Now they are doing fraud with customers using persons credit points ( when you apply credit card ) and Giving wrong information to customer with marketing. Also they are sending offers through marketing mail using Reservation/Access code. 

Another thing, If you ( Capital One Spark Business ) unable to give cash back or not making money from your vendor then why you making fraud to world ( Customer, Businesses, Organisations, etc ). Why customer have to face this??? 

And what about my history data? Did they steal my information since we will not doing business with capital one anymore using this fraud. 

So Please take action on this.

Company response to consumer: Closed with explanation