BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: I.C. System, Inc.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX and XXXX  and the investigation took well over 30 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 explanation
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: MD
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:
Wells Fargo is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and Wells Fargo has destroyed my credit with negative reporting every month during the national pandemic

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 2022-08-12
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Yesterday XX/XX/2022, I received a letter from Freedom Mortgage, in response to an ongoing dispute, in which they claim that the current status of mortgage is delinquent ( see attached ). THIS IS FALSE. This account has been in forbearance for sometime and remains as such, despite my various requests to be taken off of forbearance. On XX/XX/2022, I submitted an CFPB complaint ( # XXXX ) regarding this matter ( see attached ). Freedom Mortgage responded that there had been confusion with my file and that they would send me the necessary documents to get off of forbearance by XXXX. On XX/XX/2022, I received a call from a Freedom Mortgage representative named XXXX ( # XXXX ) and then again in XXXX received another call in which I was told there was a delay in sending me the documents because of an internal issue but that I would receive documents within a month. To date, I have not received the paperwork necessary to get off of forbearance and resume payments, which as I've stated before I'm willing to do.

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 2018-09-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a payday loan at XXXX on XX/XX/2018. I am currently on my 3rd consecutive payday loan with them. The store even wrote on my receipt when I took out the loan that it was loan 3 of 6. The Indiana Small Loan Law document that they attach to your contract, states the  company is required to offer an extended payment plan at the time you enter your 3rd, 4th, or 5th consecutive loan. I went to the store on XX/XX/2018 to make a payment on my loan and was told I was ineligible for the extended payment plan until I take out a 4th loan. The manager stated she was sorry I misunderstood the Indiana Small Loan Law document, because XXXX starts their loans at number " zero '' so even though this is technically my 3rd loan, they consider it number 2. I asked the manager if she could hold the check until XX/XX/2018 and I could pay off the balance. She stated she could not do that. I know they are able to extend your due date from 2-4 weeks because I have taken out loans with XXXX in the past when I was paid monthly and they would have me due in 4 weeks instead of 2. The manager stated they could not work with me and that my check would be deposited on XX/XX/2018. She said once the check is returned to them then they would offer me a payment plan with an additional {$25.00} return check fee. I called the corporate office and they just called the local store and talked to the manager and reiterated what the manager had already told me. I believe this is deceptive practice by XXXX. They start you out at loan number " zero '' to extend the number of loans you have to get before utilizing the extended payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX or XXXX 2020 I can't remember the exact date I called to settle this debt was to make a settlement back in XXXX of XXXX but everything shut down due to the covid and I loss wages. So when I called to try to settle again the rep was very nasty to me and asked me if I couldn't pay the settlement offer then and there why would I be trying to fix my credit right now which was very disappointing to hear. she was just flat out XXXX to be a floor supervisor.. Then called today which is XX/XX/2020 came up with a settlement amount of XXXX agreed to that then the guy says if you can't pay it by XXXX of XX/XX/2020 then you have to pay the whole amount of XXXX if I needed 30 days. I then said to him agency 's usually give you 30 days to pay the settlement amount so you and them can get the agreement in written, he then said use your common sense " NOT EVERY AGENCY HAS THE SAME RULES '' I then said to him how unprofessional that was. He says if you need to XXXX XXXX you can't get the settlement you have to pay the full amount. I explained to him I don't need that long I just need 30 days from today which would be XX/XX/XXXX he said NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They are reporting the wrong information such as my address and my name

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 2019-05-20
Company: Bread Financial Holdings, Inc.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX opened a store account and XXXX Credit Card is issued by Comenity Bank, for someone who incorrectly entered my email address. They did not at any time verify that this email address was correct. 

I am now receiving repeated emails about this account, including credit card statements and they provide no means of redress. The emails are all sent from do-not-reply email addresses and any means of getting support requires full log in. 

I contacted them via XXXX on XXXX XXXX, their response : " ... can you kindly provide additional details of the emails you are receiving? I.e. marketing emails, XXXX credit card emails, order confirmation emails? '' my reply : " Hello, all of the above. Can you send me an email address & I'll forward them to you. '' their response : " Hello XXXX, you can remove your email from our database by clicking unsubscribe at the bottom left corner of the email. '' my reply : " No I can't, because they are account emails. You let people set up accounts with other people 's email addresses. '' There should be a law against sending email 's with no possibility unsubscribe without first verifying that the email address is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.

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 2018-09-07
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally took the loan under the impression that the APR rate would be way lower than it turned out to be. I was also under the impression that the finance charge would be a one time fee. The company was very misleading because I later found out the finance charge is a percentage that is subject to change. I attempted to make a {$300.00} payment the end of XXXX which was never 'processed. ' I looked today and the payment still says pending. This would have made a huge difference on my interest rate. I think this was another scheme to keep me from paying off my loan early. I called today to make a payment on the principal. I told the representative that I planned on paying off the loan next week ( on my payday ) and she could not tell me what that amount would be. They also claimed that they could not process my payment for two business days and that I would still have to pay interest for the weekend even though i have been attempting to pay. The representative said there was no pending payment on my account ( I have a screen shot of the website mentioning my online payment ) Overall, this has been a terrible experience. The company has been so dishonest and they set you up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: FL
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:
The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: SYNCHRONY FINANCIAL
State: MA
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:
Have a Care Credit Account thru XXXX XXXX. My contract on XX/XX/2018 states 24 months deferred / no interest if paid in full before the 24 months are up. 

XXXX XXXX is charging me interest every month and changed the contract after 1 month without notice to me and that is illegal. That is not the contract I signed in the beginning or agreed to as I have attached the contract I signed on XX/XX/2018. 

They owe me as of today XX/XX/18 {$630.00} in interest fees charged. Plus interest charged after this date. 

I want my interest refunded to my account. 

XXXXXXXX XXXX  refuses to give me a copy of the contract says it will take them over 40 days to find it ... really.

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 2017-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CCO Mortgage is purchasing flood insurance significantly beyond that required by the document we signed when we got the loan and charging our escrow account for it. I tried talking to customer service, the CCO legal department and submitting a CFPB complaint but they have not acknowledged the referenced legal document we signed at closing. My original complaint was that CCO is purchasing additional insurance beyond what we agreed but CCO did not address or acknowledge the agreement much less indicate why they believe the legal agreement no longer applies. Therefore I am submitting this complaint hoping that they will actually address the agreement that they are and have been ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Performant Financial Corp ( whichever collects student loans debts ) called me at my place of employment ( XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, TX ) in order to collect a debt. They embarrassed me by asking my co-workers where I could be located and how I could be contacted. I ended up giving them an {$800.00} lump payment and entered a " loan rehab program '' which was monthly payments of {$50.00}. 

I contacted Performant this morning ( XX/XX/2018 ) and spoke with " XXXX XXXX. '' XXXX could not provide his employee number for Performant. 

XXXX acknowledged that Performant did in fact handle my account but when I asked him where my money was applied to, his answer was " I don't know. '' I then asked him if he knows where my money is at all and he responded " I don't know. '' Performant also informed me that they had garnished my tax refund. That was a lie. I have filed other CFPB complaints concerning the return of my 2018 tax refund by the XXXX XXXX XXXX XXXX to the tune of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXXXX XXXX XXXX ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that XXXX is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to XXXX 's provided internal report and records.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them. Not sure who's they are.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2019-08-30
Company: Resurgent Capital Services L.P.
State: MS
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 a collection account listed on my credit report by a debt collection agency, LVNV Funding LLC, collecting on behalf of XXXX XXXX. LVNV Funding LLC is the current creditor, but XXXX XXXX XXXX XXXX, XXXX has been sending me letters offering to settle the account. LVNV Funding LLC nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX, XXXX, and XXXX  they have not sent me any documents bearing my signature as of today. The following companies are : Midland Fund - Opened XX/XX/XXXX, and XXXX XXXX - Opened XX/XX/XXXX. I would like your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: B&F Finance Corp.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
XX/XX/2021 I went in to get a loan and they said they would get the loan but then the lady XXXX threw my is at me and stated she wouldnt do business with me pulled my credit without asking me and that is illegal. They wore being XXXX to me because of my ethnicity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX   or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.

Company response to consumer: Closed with explanation