BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: HSBC NORTH AMERICA HOLDINGS 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Bread Financial Holdings, Inc.
State: FL
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:
During a XXXX  visit last XX/XX/XXXX, I applied for a XXXX XXXX  Financial Credit Card. I was approved with a credit limit of {$11000.00} and incurred {$2000.00} to be included in the 0 % interest promotion set to expire XX/XX/XXXX. Upon receipt of my first statement dated XX/XX/XXXX, I attempted to set up autopayments through Comenity Bank 's website ( the bank that issued my XXXX XXXX credit card ), but the site does not allow for auto  payments. As as result, I set up monthly payments from my checking account held at XXXX. These payments have been withdrawn from my account on the XXXX of every month since XXXX, XXXX. Last XX/XX/XXXX, I accessed the XXXX XXXX  website to inquire regarding COVID-19 assistance and discovered I had been incurring late and finance charges since XXXX, XXXX. This was quite the surprise since I have never received any further communications from XXXX XXXX  or Comenity Bank, much less a late or delinquent notice. Unbeknownst to me, my payments were arriving a mere 1-3 days late. I immediately called Comenity Bank and also initiated an investigation through XXXX. As a result of never having received any communication from them whatsoever, I requested these fees be removed from my account and ultimately from my credit reports. Attached are copies of my correspondence with Comenity. I believe applying these fees without any notice to me whatsoever yet reporting it to the credit bureaus constitutes unfair and deceptive business practices and violates the Fair Debt Collection Practices Act. I, therefore, seek your assistance in correcting this matter and obtaining a credit for the remaining fees incurred totaling {$180.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX Loan number - XXXX XXXX XXXX XXXX XXXX, NC XXXX Good morning, We're writing to you, in the hopes that you will assist us in managing our request for a loan modification with Bank of America. 

We're already encountering deception and misguidance on their behalf and would greatly appreciate the CFPB stepping in to let them know that they must follow federal guidelines. 

We attempted to get help for our foreclosure situation through the North Carolina Foreclosure Prevention Fund ( NCFPF ). We tried to file for foreclosure assistance online but NCFPF website was unable to upload all of our documents. We then contacted one of their offices in XXXX XXXX and were given the run around for months having to continually resubmit documents and information that had already been provided. We eventually reached out to another office in XXXX which was able to successfully submit our application. The organization stated that they would seek modification of our loan to assist us but that is not what happened. They basically wanted to refinance our loan an we would have had to bring over {$19000.00} to the closing of the new loan. We are now attempting to request modification of our loan through Bank of America. 

Our most recent request for modification began 2 1/2 weeks ago - all documentation was submitted at the same time, correctly labeled and to the correct individuals. Subsequently, we've been asked to resubmit the same few documents - 4 times. I've attached a copy of the notes from every conversation that we've had so far with them. 

it's clear that Bank of America is using deceptive business practices and trying to delay this process, in an effort to discourage us from pursuing this modification. 

I am on the loan, however oh, my wife is on title and you can communicate directly with her - XXXX XXXX Thank you in advance for your assistance with this matter! 

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 2019-11-15
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Continuous disregard of applying my payments correctly..last complaint they applied both payments to principle only, I called and eventually they corrected their mistake and I paid a late fee due to their mistake. XXXX XXXX mortgage has been paid, one payment applied to principle and the other floating in unapplied funds. {$670.00} pd on XX/XX/XXXX and {$670.00} pd on XX/XX/XXXX both payments cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I had a custodian ban of america account for my child. Without my notice and attention they had started taking XXXX  $ every month from XX/XX/2019. Previous to that for past few years they never charged any monthly maintenance fees. 

This action by BOFA is tantamount to cheating. When the account was opened they never told us there will be an fee for an custodian account. 


Thanks, 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 monetary relief
Consumer complaint received 2018-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE AN ENFORCEMENT CASE AGAINST WELLS FARGO. THEY REFUSE TO PROVIDE MY ASSIGNMENT OF MORTGAGE AND NOTE. THEY REFUSE TO PROVIDE MY POOLING AND SERVICING AGREEMENT CLAIMING PRIVACY. MY MORTGAGE WAS POOLED AND SOLD INTO A TRUST. THE TRUST IS OF PUBLIC RECORD. CLEARLY THEY HAVE NO RIGHT TO THE MONEY I AM PAYING THEM EVERY MONTH. TO THIS DAY THEY REFUSE TO PROVIDE THE DOCUMENTS. BECAUSE MY MORTGAGE RESIDES IN A TRUST THE INFORMATION IS OF PUBLIC RECORD AND NOT PRIVATE AND PROPRIETARY AS THEY CLAIM. IT IS ALSO SUBJECT TO THE SEC PROCESS OF FILING REPORTING AND MAINTAINING SUCH DOCUMENTS. THEY HAVE A VERY SERIOUS ISSUE. SEE ATTACHED DOCUMENTS.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: HI
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 was notified by the mortgage office that an old creditor XXXX XXXX was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. XXXX XXXX has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with Experian and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.

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 2021-02-02
Company: AMERICAN HONDA FINANCE CORP
State: CO
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 had a loan with American Honda that went to a charge off status years ago. After it went to that status we paid it in full once we were able to but i recently noticed when i pulled my credit report that it still showed a balance of XXXX I notified the company and they show it as paid in full with no balance on their end and said they would notify the credit bureaus. I have disputed this with the credit bureaus but have not had success in getting the balance removed. Please help me as i need to have this shown accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Hello - I was signed up for experian credit reporting as a result of a data breach, at the end of the free year i began being automatically billed by experian. I have repeatedly asked and emailed to have this service turned off but i keep getting billed for it. 
I first noticed the charges on my account in XXXX, I called on XX/XX/XXXX and was advised to also send an email, I also submitted an email that day and recieved verification of cancellation, I am still recieving these charges.

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 2018-03-20
Company: Experian Information Solutions Inc.
State: AL
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 didn't authorize the inquires

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 2020-06-26
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2019-04-18
Company: Check Cashing & Loans
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX I paid off my previous pay day loan and immediately set up a new payday loan with her for me to pay this new loan on XXXX XXXX. I convinced her the timing was ok ( she says I can not do it for longer then 30 days ) which is fine with me. 

But this is 1 of 6 pay day loans I have ( 3 locally & 3 online ). I have been messed up since XX/XX/XXXX ( maybe it was XXXX? ) Last week I had learned previously that if you do these loans too often there is a way to get out of it. So I asked 2 of my 3 local loaners how I could do that. XXXX, the manager at XXXX XXXX XXXX in XXXX XXXX in XXXX XXXX Calif.. XXXX now will set me up to pay {$75.00} for months in a row when I go in next week on XX/XX/XXXX th to pay. XXXX told me be sure I to come in that day when my loan is due and tell the employee I want to do the $ XXXX month for 5 months. 

XXXX has always been a pleasure to work with. 

Then I called the 2 nd one of the 3 local companys. Same process I will do there. 

Then I called the manager ( only one employee ) at the 3rd local company Check Cashing & Loans at XXXX XXXX XXXX in XXXX XXXX. I have been dealing with her for probably 20 years of pay day loans. I am sure she knew what I was asking for ( the same deal - 4 payments of XXXX for 4 months in a row. She said something like We dont do that. Then I hung up. She is wrong & I know that. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell phone : XXXX-XXXX-XXXX Ps : Somewhere in all my papers I have my copy of the documents. 
But she knows me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
deleted charge offs and update credit score

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 2020-05-05
Company: Northstar Location Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northstar Location company keeps calling myself, my son and my daughter about my other daughters debt. Informed the company to stop calling us about the debt and it is there job to find the person. Told them to not call anymore and they called again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: AES/PHEAA
State: VA
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:
To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX   and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date. 
As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you

Company response to consumer: Closed with explanation