BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with BBVA and transferred a balance. I noticed my first payment had not been withdrawn from my account, called the company and was informed that I had mailed the payment to the wrong address. I got the correct address and remitted payment. The payment was made before a late fee should have been incurred, but I was charged one anyway. The phone support said there was nothing they could do. 
The company then started started charging me a {$1.00} monthly fee as I had had a late charge. I phoned a local branch and spoke with a helpful person who got the late fee refunded, and said the {$4.00} in minimum fees which had been charged to my account would be returned. I received my statement today. The late fee was refunded, but the {$4.00} dollars in minimum fees were not, and an additional {$1.00} fee was charged to my account. I am in the zero interest period on my account. My statement indicates {$0.00} balance subject to interest rate. I should not be incurring any fees or interest. In addition, the balance transfer fee is listed on the account as a cash advance. I have made no cash advances or purchases on this account. I am concerned about their business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2019-03-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX has taken over the loan management after I enrolled in the PSLF program. Since enrollment the customer service has been incompetent and inconsistent. I enrolled in a part-time masters program and they loans were placed in deferment. I have been attempting to remove the deferment for 4 months. Each person I talk to gives me different instructions on how to do this. I uploaded the requested paperwork to remove the deferment. I received a mailed letter stating the deferment was removed, but then 2 weeks later received an email that the deferment was back in place. I want to continue paying my loans on schedule but the servicer is preventing me from doing this. The wait times are usually very long on the phone. I have attempted to use online contact channels as instructed but never receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Yes I have a problem and I contacted CONSUMERFINANCE.GOV I took out $ XXXX of school loans for a degree in which I cant even use. The loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 7 yearsand no one is helping me at AES. 
Its a Federal school loan.. 

I am in financial ruin. I get no where but threats from AES. Threats of increasing interest rates. 

I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; XXXX failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current. 
XXXX Increasing and decreasing interest rates without communicating with me or letting me know. 
* Outrageous interests rates and hiring predatory loan collectors.

XXXX Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 
* Not reporting money I paid. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest over 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX Department of education/ XXXX department of educationXXXX XXXX Inquiry- XXXX XXXX XX/XX/XXXX Bankruptcy- US bkpt ct wi XXXX XX/XX/XXXX XXXX Wi  XXXX XXXX DE Names XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin 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 2019-01-19
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: AES/PHEAA
State: NY
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:
On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 at XXXX XXXX email was received from XXXX to our Realtor stating that the CD sent was not Final but we need to sign in order to close on time. This was again expressed in a phone conversation with XXXX. We asked our real estate agent to assist due to the fact that XXXX or his assistant were not explaining things to us and were really hard to get a hold of. In which he followed up with the email dated XX/XX/2020 with a recap to us XXXX and the builder. I believe this was a great opportunity for XXXX to reach out if by any chance this info was incorrect. On the day of closing, we were put in a difficult cituation when we saw the amount was not {$9300.00} as previously thought and collaborated via phone by XXXX XXXX days earlier. We did not want to close to the point we left the title company after a phone conversation with our Real Estate Agent and taking into consideration that the builder had XXXX in escrow and that we had already given notice that we will be leaving our current residence we had no choice only to proceed with the transaction. All that we are asking is that the lender keeps his word and refund us the difference of what we got. Yes, disclosure where signed but XXXX told us there was a 3 day waiting period and the need to be signed that way to close on time but those were not the final ones. We feel we were misled and we are owed the amount promised via phone.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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 purchased a vehicle in 2016 with a subprime loan through XXXX XXXX  I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.

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 2019-01-19
Company: BB&T CORPORATION
State: MI
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:
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on 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 2018-07-29
Company: Bristlecone, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have XXXX XXXX by XXXX XXXX and XXXX XXXX they call non stop and neither one is mine. Ive disputed multiple times with XXXX XXXX   as well as credit repair. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-05
Company: Capital Accounts, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has violated HIPPA law and showed debt on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX  Agreed to write off this balance because the XXXX did not work no fault of my own. Also I had two dental insurance companies and the XXXX office indicated the account was paid in full after I paid a few XXXX The account is not owed and needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have sent multiple requests through the secure message center to receive a paper statement and bill They continue to tell me that if I don't have a balance there will BE NO STATEMENT. The website says its available online but it is not. I NEED MY PAPER STATMENT FOR BANKING PURPOSES. I have requested the same by phone and I'm told they can send it it. NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Prosper Marketplace, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online. 
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.

Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted. 

Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account

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 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationstar Mortgage company is the company that serviced our Mortgage since XXXX with an original loan amount of XXXX. This company used gross manipulation tactics, to get us to refinance and now are falling back on what was promised with regards to removal of the PMI from our loan. Calling, sending mailers and emailing again and again until we finally agreed to refinance in XXXX XXXX and at that time we were advised that we would receive a lower interest rate and could change the terms to payoff in 15 years so it was highly beneficial to complete the refinance. When going through the process we also discussed PMI and were advised that once the PMI dropped below 80 % of the original loan amount of XXXX we would no longer be responsible to pay that amount any longer and it would be removed from our payment amount. So we reached out to Nationstar as we are currently at XXXX and the 80 % valuation would be XXXX and we wanted to ensure that it would just auto remove. When contacting their Customer Service and PMI support we now are being advised that the amount is based on the Refinanced amount and that the new percent is 75 % of the loan amount at time of refinance for the PMI to be removed, which was in no way communicated to us. We would have not refinanced at all if there were any changes to the PMI as we were working hard to pay the balance down so that amount could come back to us and not continue to be removed. The representative said that this is because of XXXX and that the amounts are different now. This is wrong and we need help in getting resolution to this matter and ensuring that Nationstar can not continue to take advantage of customers this way. This is a lie and gross manipulation tactics and we need your help to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lender altered my loan without our consent from the principal amount of {$250000.00} ( mortgage and note dated XX/XX/XXXX ) to the principal amount of {$260000.00} ( mortgage and note dated XX/XX/XXXX ). When I discovered the two mortgages and notes. I requested to see the mortgages and notes, but the lenders attorney told us in a letter that no legal authority exits that allows you to demand an inspection of the collateral you gave in exchange for your loan. After the XX/XX/XXXX refinance from the lender, I have never taken any loan from any lender. As at today, I have not seen the note dated XX/XX/XXXX. I believe the Mortgage and Note dated XX/XX/XXXX was copied/altered from the Mortgage and Note signed by us ( me and my wife ) dated XX/XX/XXXX, which lender has refused to make available to us.

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 2021-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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 have tried to dispute this matter directly with the all 3 measure reporting agencies, all of them have denied to remove correct or adjust to several derogatory items that is enabling me from making any credit purchase.

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