BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Uprova Credit, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
i asked how much the interest rate is on the loan and they refused to give me that information. now it is {$15.00} per day. I am XXXX and they took advantage of 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 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
OnXX/XX/2019 I made an online payment of XXXX on a Visa card issued by Bank of America that posted on XX/XX/2019. This paid off the entire balance and was 5 days before the closing date for the account. I was under the assumption that since the total balance the closing date that there would not be any additional interest charged. On XX/XX/2019I received an Email indicating that I owed a payment of XXXX. On logging into the account i discovered that they had charged XXXX in interest after the account was paid in full. I believe that there 1. There should not have been any interest charged and 2. That even if they did have the right to charge interest, the payment of XXXX on a new balance of XXXX is excessive. Account # 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 2018-07-17
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
As of XX/XX/2018 Rise Credit has already waived the loan, however my credit report shows Rise Credit 30days past due which brought my score down 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TCF NATIONAL BANK
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, I am writing today because I'm experiencing great challenges in making my payments with TCF bank. I have made payments in the past through their website but then their parent company changed, they changed my account number and I can no longer log in online. I have tried to contact customer service on multiple occasions and have never gotten to the point where I could speak to a person after waiting on hold for over 30 minutes each time before giving up. 

I have made my payments through my Bank 's bill pay system, the first month my payment was received just fine, the second month, I received a statement saying that no payment has been made and now I can not get a hold of the company or check my online account to verify that my payments are being received although the money is leaving my checking account. 

I appreciate any assistance that you could provide with this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-07-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 90 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I  made my payment to you when I received my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Opened XX/XX/XXXX Credit Coll Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Frost-Arnett Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint on XXXX XXXX XXXX  to consumers, which is very confusing. details are as follows. 
I had undergone a XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, OH. 
I have paid the full amount that was estimated at the time of Surgery, for the total Surgery costs. 
Later, I am keep on getting Bills from many 3rd parties, like XXXX XXXX, XXXX departments. Every time I receive such billing letters, I visit XXXX XXXX - XXXX online Patient portal, which is the only portal available for patients, and recheck if I really Owe any amount, if yes, I pay it online, just to avoid Fraud and to avoid exposing my credit card information to fraud websites, As it is common in USA for data leak and we keep getting fraud letters. 

Later after 6 months, suddenly I see a debt collection reported to XXXX, from XXXX XXXX, and it says original payment originator is XXXX XXXX, but I dont see this amount in online portal of XXXX XXXX. 

then again on today XX/XX/XXXX, I received another debt collector letter from company, Frost-Arnett with a due amount of {$100.00}. To make sure, I called XXXX XXXX customer care again, and they could not see this amount due anywhere. 

Conclusion is, How do I Identify the bills I am receiving are not fraud, if XXXX XXXX is not disclosing the list of 3rd parties involved in the surgery, anywhere, neither online nor on any billing summary. 

So, if XXXX XXXX informs me about all 3rd parties/ laboratories participated during XXXX, then I would confidently go ahead and pay the bills as soon as I received. 

Hence, if there are any outstanding debt remaining from my side, that is purely not my mistake, and it is a purely a bad reporting of billing from the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX20 - I was able to temp unfreeze 2- of the 3 main credit agencies. However, Equifax ( EF ) decided to do away with PIN 's, which I had, and use a password instead ... but failed to notify me. So now that I need to contact all three, EF online failed to send me an email after 4 requests. 
So I tried another path ; I inputted all my info and at the bottom of the screen, but the continue link was not active ... take 2 and more lost time ... 
FORTUNATELY, the lender was able to use only the two agencies. 
These agencies collect personal info on me, which is half the time inaccurate, I forced to validate their work and then I have to pay for my score ... really! 
Someone needs to have a serious " talk '' with to straighten out their shortcomings, as I/we are their customers Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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:
Equifax is reporting incorrectly that I am 30 plus days past due on the XXXX partial account number XXXX. ( Please see pages 18 and 19 of the attached credit report. ) I was not 30 days late on my payment. I called the credit card company on the 28th day when I realized that I forgot to make this payment. I paid the credit card balance off in full on that day when I spoke to the representative. The representative removed the late fee since it was in fact, NOT 30 days late, however Equifax has not removed and/or updated my credit report. This incorrect reporting is harming my credit score. XXXX and XXXX are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Bread Financial Holdings, Inc.
State: OR
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 closed my credit card with Comenity Bank ( XXXX XXXX XXXX ) in XXXX and paid the balance off in full. I overpaid b {$110.00} and was issued a refund check from the company for the overpayment. 

However, on XX/XX/XXXX the company charged me {$40.00} in finance charges on the closed, fully-satisfied, XXXX-balance account. Then on XX/XX/XXXX, Comenity  Bank charged me {$4.00} in " minimum finance charges '', again on a closed, fully-satisfied, XXXX-balance account. 

I made a payment of {$44.00} for XXXX and XXXX finance charges on XX/XX/2019 to avoid further charges and / or late fees while trying to settle this issue. I paid this before the due date and, again, this was on an account that had been closed, paid off, and even a refund check issued for overpayment, over two months prior. 

I just received another bill for {$4.00} " minimum finance charges '' that were charged to my closed, fully-satisfied, XXXX-balance account onXX/XX/2019. 

Apparently, Comenity Bank intends to post fraudulent finance charges to my account indefinitely. I need for them to issue a refund for the {$44.00} that has already been paid, cancel the new charges and never charge this closed, fully-satisfied, XXXX-balance account ever again. The account has been closed for three months. Nothing is owed. Nothing has been owed except for the {$110.00} that they owed me for paying TOO MUCH on my account balance and now the {$44.00} that they owe me for payment for finance charges that should have never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company Specialized Loan Servicing is going to report negative information to the credit bureau due to utilizing COVID-19 payment deferral on my Federally guaranteed mortgage. Our payment deferral ends XX/XX/XXXX and in order to avoid any negative information being reported I must pay the full balance owed. This is not what the provider told me when I signed up for the deferral. 

At the time they explained at the end of the 90 day period they would break up the amount owed over 6 months and as long as we made the payment no negative information would be reported. 

Now they are claiming that since I will no longer be in a forbearance but a repayment plan that they must " report accurately '' the status of the account showing I am 90 days late but also in a repayment plan. Basically they are violating the Federal Law which prohibited reporting of negative credit information due to COVID.

Specialized Loan Servicing is a HORRIBLE organization. You want to speak to a supervisor you have to wait days for them to call you back. 

They should not be allowed to manage Federally guaranteed loans. 

I do not want my credit damaged simply because we postponed our payments for 3 months and they told us at the time that they would provide repayment options that would allow us to repay the funds without damaging our credit. 

Now they are changing their story and basically our credit will be damaged.

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 2019-05-29
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my husband and I took out a 2nd mortgage on our house with XXXX XXXX XXXX, loan # XXXX/Min # XXXX. We made some payments but we soon fell behind and was not able to make our payments any longer back in XX/XX/XXXX. The mortgage company stop sending us paperwork and being that we are older we did not worry about it because it showed on our credit report that it was charged off by the mortgage company. We just recently looked up the Min # XXXX on line to figure out what happened to this loan and found out CitiMortgage, XXXX. is the servicer. We have called CitiMortgage countless times in the last month to get information on our loan but every time we get a person on the line they can NOT find any information on our loan and they are NOT trying to help us in any way.

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 2019-08-17
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Basically I have been applying for basic accounts with XXXX XXXX XXXX XXXX   etc because XXXX are closing my account down on the XXXX XXXX 2019 and in order for XXXX XXXX to pay my benefit I need to pay it in an account under my name only like I have said I have tried basic accounts with certain providers and get a response back saying my application has been declined which is putting me in a financial situation where I can't pay my XXXX bills XXXX XXXX  food etc also I have a  current XXXX   against my credit file which is indicating I pay XXXXXXXX  a month which there's no way I can afford I have explained to XXXX and XXXX  solicitor I can't afford that considering I get XXXX a month with XXXX rent XXXX court fine XXXX council tax XXXX TV liscene top my phone up and buy food and toliterries etc which they have not listened  and this is causing health problems such as XXXX XXXX making my XXXX  XXXX XXXX and XXXX worse which have had for XXXX years and do not need this 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 2022-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have been demanding to have these accounts removed with Equifax, and they refused. As of XXXX XXXX, I have been in communication with Equifax and they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ) Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
Mortgage loan balance is incorrect

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 2020-02-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling family members, causing them unnecessary worry, and making calls to me at all hours of the day and night. Completely unacceptable!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2018 I went to the XXXX XXXX  and purchased a PayPal prepaid debit card and loaded XXXX  dollars on there. After getting the card I called and tried to activate it. I was transferred to customer service cause they said something was restricted. Once on the phone with customer service she said they she was unable to activate the card. I didn't understand why she couldn't activate a prepaid card cause it's money I put on there. Is this a possible scam? She went on to tell me that there's nothing at all they could do and would send me a check in the mail for the amount I put on the card. She never specified about the restriction or anything. I just want my money back.

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 2018-02-27
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company response to consumer: Closed with explanation