BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Bread Financial Holdings, Inc.
State: DC
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 a general-purpose rewards credit card for Loft stores through Comenity Bank. I have had this account for several years and have been enrolled in paperless billing since at least XXXX. According to FAQs on the Loft account website, when enrolled in paperless billing, I should receive an email when my billing statement is available in Account Center. 

On XX/XX/XXXX, I made a charge for {$7.00} at an Economy Market. I did not receive an email until XX/XX/XXXX notifying me that a statement was available in the Account Center. In the meantime, Comenity Bank charged me two different late fees ( {$7.00} and {$16.00} ) for the months of XXXX and XXXX, respectively, and charged me {$1.00} in interest for each month. The same day I received the email notification that my statement was available, I logged onto my account and immediately paid the {$34.00} total balance. But I learned that Comenity Bank furnished to the credit reporting agencies that my account was past due, thus decreasing my credit score. 

Because I did not receive an email notification that my XXXX or XXXX statements were available, it was improper for the Bank to charge late fees or furnish negative information about my account. Had I received a timely notification that my XXXX statement was available, I would have immediately paid the amount due. The Bank 's failure to send that notification -- in violation of their own paperless billing policy -- is the reason my payment was late. 

I tried to resolve this by contacting the Bank, but they stated that they could not do anything about it, and further stated -- incorrectly -- that they were required by law to furnish negative information when my account was delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am a breath away from bankruptcy. I enrolled in a debt management program that is helping. I have XXXX, XXXX, XXXX extra income. I already made an agreement with evil incarnate Navient for the private loan. I simply can not and will not pay more. 

They typically call 3-4x per day, and I already have them hard blocked on both XXXX site and a 3rd party app that hangs up, but they keep calling. 

Today XXXX 3 calls XXXX 6 calls! ABSURD! 
XXXX 2 calls XXXX 3 calls CEASE AND DESIST! My next step will be to change my phone # to an unlisted private #. Navient needs to get it through their heads that repeated calls will not change circumstances!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from US BANK RMS CC located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from US BANK bank.

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 2017-11-12
Company: EQUIFAX, INC.
State: GA
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 received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account listed transaction was not done by myself. 

It is affecting my credit. 

Delete immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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:
This account listed transaction was not done by myself. 

It is affecting my credit. 

Delete immediately. 

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 2019-06-18
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, my daughter applied for a fixed rate student loan from XXXX XXXX. The Loan, " Smart Option Student Loan, '' was for the amount of {$12000.00} with an interest rate of 9.5 %. The total finance charge for this loan was {$7000.00}. On XX/XX/XXXX, my daughter and I ( the cosigner ) received a letter from XXXX XXXX a letter stipulating an error. In this letter, XXXX XXXX states that the 'Total of Payment ' based on the interest rate will be {$45000.00}. The letter provide a Final Disclosure, in which it describes the loan to be a variable rate pegged to XXXX, with a note stating that the loan will never exceed 25 %. Upon contacting XXXX XXXX to obtain clarification, XXXX XXXX denies sending such letter and the new 'Final Disclosure. ' Instead, XXXX XXXX sends loans documents never previously sent or seen by us at the time of the loan application. The loan application was processed online, including signatures. The process did not offer a viable way of obtain physical copies of the online transaction. In fact, the amount of {$45000.00} was never presented during the application process. Had this amount been show or presented during the loan application, my dauther and I would have not proceeded with the signing of the loan. My daughter and I have contacted XXXX XXXX several times to resolve this matter at no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XXXX XXXX, 2019 I requested that all interest charged to my Bank of America account be reimbursed to me. 

A XXXX XXXX, 2019 letter from Bank of America credited my account {$.00} of the approximately {$940.00} requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has increased my escrow payments by 30 % roughly 300 dollars without any substantial increase in my taxes or hazard insurance premiums. I have filed two complaints with them and have been working with their executive resolution center for months. I initially contacted them identifying there is an overage in my escrow account and they were improperly paying my taxes on a quarterly basis when the state of Alaska accepts and bills taxes on a bi-annual basis. They then came back telling my escrow monthly payment will increase and now there is a shortage and in turn, my monthly mortgage payment will increase. I never started a loan with Wells Fargo I utilized a small federal credit union that in turn sold my loan directly to Wells Fargo after closing on it. I have had several phone calls with their customer service resolution team to no avail or real care for them to fix this issue. They are also trying to add a random third tax payment to reflect my taxes almost being {$10000.00} a year where is mid {$6000.00}. Their methods for calculations on escrow accounts are predatory at best, and their customer service system is designed to keep you bogged down and wear you out so you simply quit pursuing your issue. I can not afford this approximate {$300.00} increase nor will can I tolerate it. I requested to remove the escrow account it was denied as the VA mandates it which is not technically true. The VA mandates escrow accounts to homes within a 90 % loan to value ratio. All while I am an XXXX XXXX veteran no human being deserves this treatment and such a threat to provide for their family. I have attached supporting documentation for the hard numbers along with XXXX tax information.

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 2020-02-17
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a hospital bill that showed up on my credit profile that went into collections {$1400.00} the company name is One advantage LLC and XXXX XXXX hospital is the Original creditor I sent in my fraud packet on XXXX And Ive spoken to them maybe 3 or 4 times and they are very disrespectful and rude its been over 30 days and they are still giving me the run around its going on XXXX and this debt is still on my credit report and its affecting my credit score. This is the company Creditors phone number XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One Bank is refusing to allow the opt out and opt in credit limit increase regarding the Credit Card Act which is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXXTHE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXX TO BE REMOVED.

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 2018-12-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I would consider this a predatory loan. To begin, the loan was taken out without my permission by my mother. I had already written in about how I dont believe in the validity of the loan, but it was denied because they say she was my guardian at the time. So after that being that Im an adult I finally tried to rectify this loan and its just been absolutely ridiculous and more or less impossible to pay off. The loan has been subjected to absurd amounts of interest. More than {$10000.00} has been paid on the loan through payments and through garnishment of my tax refunds two years in a row which caused me to be in a situation where I owe tax money to the state since it was offset. Even with all the money paid theyre saying I owe practically the same amount that I started with and when I ask how thats possible they say theyre charging interest daily even when I was making regular payments and in good standing. This morning Navient decided to hit my credit report with 7 late remarks causing me to drop 160 points, to a credit score so low that Ive never even been there before. I consolidated my loans last year with the loan rehab program so theres no reason I should have 7 remarks it should be one. These people are predatory lenders and clearly other states agree and I see that Navient are currently dealing multiple lawsuits because of their vicious ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ the sale of my property was handled by a title company. After closing I received a call from the title company telling me that i owed {$2000.00} to my previous mortgage company. I was not notified by the mortgage company as to the nature of the problem nor did the title company contact me as to a resolution to the issue. the previous mortgage company continued to harass me about paying the mortgage in full. Some time later in XXXX when applying for a new mortgage it was found out in a conference call between myself a potential new lender and my previous mortgage company that the title company failed to pay the correct amount the previous mortgage claims they quoted for pay off. the title company claims the amount paid is what my previous mortgage company quoted for pay off of the mortgage. the situation now is i am caught between the two entities and being told i need to pay my previous mortgage company {$1100.00} to have the previous mortgage paid in full. This situation was not created by myself. It appears a funding issue of some sort occurred between the title company and my previous mortgage company. i was lead to believe by the title company at closing that all was in order. This matter needs to be investigated and resolved with out me having to spend money on attorney fees. can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, 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:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 filed bankruptcy on XX/XX/2018 and it the US Bankruptcy Court discharged it on XXXX XXXX. XXXX and XXXX have correctly reported my bankruptcy and subsequent dates. However, Transunion is refusing to update my credit report to show that I have a discharged bankruptcy. So, my debt that was included in my bankruptcy makes it appear that I have a pending bankruptcy that has not been discharged. I have sent Transunion the discharge from the US Bankruptcy Court along with a bunch of other documentation and they still refuse to update my credit report more than a year later. 

Their only response to me is that my information was included in the court information received from their vendor. They will not provide the name of their vendor to me so that I can speak to them directly. They will not fix my credit report with the information I have supplied. They told me to speak to the court, which I did and was told that they do not send anything to the credit bureaus, but that I can be assured that my information would have been included to any vendor that receives updates from the US Bankruptcy court. 

I need help fixing this ASAP. This is my second attempt with your company to get this done. The first time you just responded that I would hear from the credit bureau, which I did, but received ZERO resolution ... just the same tired response that their information is accurate, which it 100 % is NOT!!! 

I need you to actually assist me this time. This has gone on far too long. The other credit bureaus are reporting correctly and Transunion needs to do the same.

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