BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called them several times - they refuse to fix the payments on my account. Yesterday they actually sent me a collection email and I am paid through XX/XX/XXXX. They sure do have creative accounting to say I am behind on my XXXX payment when I have paid through XXXX and the 1st half of XX/XX/XXXX payment due. I want them to be fined. I want them to sell my mortgage to a legitimate mortgage lender. - something - this is my 3rd complaint against this company. It is truly the worst consumer experience of my life.. They bought my mortgage in XXXX XXXX they sent out letters waiving any late fees due to the transition for new customers and it has literally been a nightmare ever since. Below are the payments I have made and when - they are not apply the funds properly I pay bi-weekly - it's very simple - but if you look at their books it isn't at all. Below I have my payments ... In the documents you will see their crazy accounting practices. I demand they fix my account immediately. They need to show my next payment date as XX/XX/XXXX for the amount of {$760.00}. That is what I should see when I log into my account. 

DATE AMOUNT Monthly Payment XX/XX/XXXX {$760.00} 1st Half Of XX/XX/XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by 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 2020-09-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
Tried to make a payment on their mobile app and it selected the wrong financial institution to pull the funds. The Mobile app did not use the primary bank and now the bank they chose is charging us an insufficient fee charge of {$39.00} every time the credit card company attempts to retrieve payment. Both the credit card company and the incorrect bank have been made aware of this several days ago but neither will stop the process and each continues to charge me insufficient fund fees and return fees, which are adding up to hundreds of dollars. Neither institution is doing anything to stop it even though they know so they can continue to collect these fees. The credit card company is American Express and the bank that is charging the insufficient fund fees is XXXX XXXX. Both say the other institution is responsible for stopping the attempts for payment but both say they cant. American Express has received payment from the correct bank but continue to try and collect the money from XXXX XXXX and they claim there is no way we can stop this once it starts, it just has to go through its attempts which is 3-4 times. Every time they try, XXXX XXXX charges me {$39.00} in insufficient fund fees and American Express charges {$29.00} in return fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Having problems trying to freeze my account information after the security breach at Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was reached out by an account manager to invest in XXXX XXXX XXXX. I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!

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 2020-09-07
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:
The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX  and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and 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 2018-03-29
Company: Navient Solutions, LLC.
State: CO
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:
We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form.

Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX   Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help.

We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments.

Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail!

We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, 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:
Equifax, know that this information is incorrect on my credit report. 
I have disputed this information over 11 years ago. This account was not open XX/XX/XXXX, documentation can be provided, on this day I was in OHIO, checking on my son with my husband, We still have our plane tickets. 
Equifax, and XXXX received a cerifited letter XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( my 5th dispute ) This item has been on my credit report more than 10 years but Equifax just keep updating it with the wrong date the account was open XXXX XXXX XXXX XXXX XXXX, XXXX ( 5 yrs, 4 mos ) -- - I was never in the office XX/XX/XXXX, XXXX out of the state The account could not been open on this date, due to the fact I can provide more information that it was dispute over 10 times within the last 12 years. 

Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: VA
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 and XXXX are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in XX/XX/2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I called and requested an extension for the months of XXXX and XXXX. It was approved and I received a letter dated XX/XX/2020 as proof. In XXXX of 2020, I noticed the late payment on my credit reports and called and called BBVA. The rep informed me that he would report the incident to remove it. In XX/XX/2020, the late payment remained so I called back on XX/XX/XXXX and spoke to XXXX. He claimed the same thing. I even disputed the late payment with the credit bureaus and BBVA refused to remove the late payment. I have made three attempts to have BBVA change the late reporting but all has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Information belongs to someone else

Complaint:
Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.

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 2020-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account on my credit report for Cash call, but I was never late with them. would like Cash call to produce my original contract and proof of the dates I was late or remove the lates from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I called Ameri Cash Loans on XX/XX/2019 and spoke with a representative by the name of Ms. XXXX XXXX in the collections department and attempted to arrange for a one time settlement payment to settle the payday loan debt that I owed it has been over 1 year. Since it has been more then a year the loan was taken out and they continue to charge interest is illegal and unethical. I was unemployed for over a year I have been unemployed and recently had no access to money I tried to arrange a settlement payment to satisfy the loan for {$1700.00}. I offered to pay half of the debt for the amount borrowed the representative I spoke with refused to my offer of {$780.00} because she wanted me to pay {$2500.00} which I clearly communicated I did not have to pay because the place I am working with is a temporary job and Im not sure how long I will remained employed with them. I did go ahead and make a one time payment of {$780.00} for the loan but I am afraid they will keep harassing me and attempt to take payments of my card when I may be unemployed again due to the job not being permanent. They have an outstanding balance of {$4200.00} shown as owed when I only borrowed {$1700.00} I want to be done with this company and the unpractical tactics to get money out of people. This is is unacceptable and I show not have to pay this loan due to the company unwillingness to accept a payment of the original amount I borrowed I can not pay more then what was borrowed. If someone can help me with this issue I would be forever grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a free checking account with America First Credit Union for a number of years now and just got told that my free checking is going to be upgraded to a premium checking with a XXXX a month fee. I didn't get asked, I got told. They are automatically upgrading me without my consent. I can't afford to get charged a XXXX a month fee that could cause me to overdraft. They are forcing the upgrade without my consent. I'll either have to close my account or wait for the upgrade and try to downgrade back to free checking once they upgrade me. This is not okay with me. I did not agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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:
There are two inquiries that are not mine. They are the following : CREDIT INFORMATION S DATE : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: MD
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 have a credit inquiry on my credit file that I did not authorized from Wells Fargo Dealer Services dated XX/XX/2017.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

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