BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
When we paid off our mortgage, XXXX XXXX XXXX mistakenly marked it with a " significantly late '' payment and " Settled for less than the full amount ''. I called XXXX and provided documentation that that was false. They agreed and corrected their record. However, Experian has not corrected it at all. They have noted that they received the correction as of XX/XX/XXXX, but have done nothing. My scores with XXXX and XXXX are XXXX and XXXX, while Eperian 's is XXXX. They say that they have a different algorithm. However, there is nothing else to account for a XXXX pt difference in my score. It is affecting my ability to get credit and at what cost. When I called Experian, they dropped my call several times and always referred my back to " Member Services ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian and XXXX keep adding back a delinquent JPMCB Card account to my Credit report when this account does not belong to me and is a result of identity theft. The JPMCB Card Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with Experian and XXXX it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!

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 2020-01-25
Company: WELLS FARGO & COMPANY
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019, I was laid off of work. I contacted Wells Fargo Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!

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 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX  we had a balance {$190.00}. On XX/XX/XXXX  & XX/XX/XXXX  we made a cash deposit at the ATM for {$300.00} & {$430.00}. It showed on the app that the funds were available. XX/XX/XXXX  - {$150.00} for XXXX was taken out. Along with {$6.00} in ATM fees & a - {$400.00} ATM withdrawal. I still had over {$350.00} in my account & received a {$36.00} over draft fee. When I called the rep said because the money that was deposited hadnt been placed in the account. Thats the reason why I received the NSF fee. However, my argument is if that is the case why did it show the deposit inside of the Truist app and why did it allow me to take out the funds if they technically werent in my account.. to me that means that their system is not adequate. It should have never showed that that money was available. I dont understand why I got hit with that fee if the app showed the funds were deposited. I received a total of 2 overdraft fees because of this! They are stealing peoples money! Their reps are in another country and could care less.

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 2020-02-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is with Lakeview Loan Servicing at XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. Loan # XXXX In XX/XX/XXXX I purchased a new homeowner 's policy with XXXX. I notified the mortgage holder and they paid with money in my escrow account. 
XX/XX/XXXX they were supposed to renew policy with funds in the escrow account. I discovered in XX/XX/XXXX that the policy had lapsed so I had to rewrite policy with my agent. The premium was paid with funds in escrow. 
The mortgage holder informed that I needed to show proof that I had insurance for the lapsed period or they would force place a policy for the " past '' year. 
My complaint is that I was not informed that my coverage had lapsed when it actually did when the company failed to renew policy that was in place. No coverage was issued at that time in XX/XX/XXXX, I was not informed that I had no coverage. And I can not understand how any Insurance agency can issue a policy for the " past ''. 
The company has already paid for this policy with funds in my escrow account leaving me with a negative balance and increased my monthly payment. I am retired and living on social security benefits. This increase will place a hardship on me for some time. 
I ask that you please look into this matter.

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 2023-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Ive noticed on my credit report mis information was reported in regards to my capital one auto loan. 

I paid the car off and was never late on a payment. This is hurting my credit and is not accurate information. Please advise the next steps that should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XXXX I have been getting misled by FedLoan Servicing and let it go.XX/XX/XXXX I decided to work on getting issues resolved by calling FedLoan Servicing for help. Each and every time you call, a different customer service rep advises of something different than the last rep. I was told to have my payments reduced and they did. Then I was told to send in claim forms so the XXXX qualifying payments would be adjusted to reflect on account. XX/XX/XXXX I contacted FedLoan again ( they try to wear you out and discourage you from trying to fix it ) and requested an audit. XX/XX/XXXX the letter they sent to me still shows no audit and no accurate count of payments made each and every month. XX/XX/XXXX-XX/XX/XXXX nothing done. After complaining again, XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX an adjustment was made to show " 2 qualifying payments when in fact there were 4 ''. My employer re-faxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX claim forms because rep XXXX XXXX ID # XXXX stated " noting received since XXXX ''. Today, rep XXXX XXXX ID # XXXX claimed my employer sent all claims for all years XX/XX/XXXX, which is false. FedLoan altered the name of the employer to make it appear I'm not working at the same place although claim forms indicates " Still Employed '' and the Federal EIN # is the same from XXXX and XXXX. FedLoan ( XXXX, XXXX and others ) will tell consumer " claim not received and to resend '' but when you resubmit, claims are rejected because they are all sent at once. Never ending cycle of no assistance and misleading. Also mislead you by telling you what you should pay only to find out that the payment you were told to pay is not a qualifying amount. Each month, your loan balance nor the interest you owe ( outstanding ) changes-even after doing what the rep tells you to do. There is no escalation dept., no audit department, no one in the entire company that customers can speak with for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX/XXXX/XXXX, I did a wire transfer of {$5600.00} to Coinbase Inc to fund my Coinbase account. The fund is supposed to use for purchasing crypto currency. However, when Coinbase received my fund, they blocked my buy/sell/withdraw options and said that I need to verify my identity AGAIN. I already verified my bank, my identity and made some transactions previously. Now suddenly they asked me to verify again. Their ID verification system did not work. I submit multiple requests and call them multiple times. They never respond to my request tickets and said could not help through customer service on the phone. It only takes them to 2 minutes to verify my identity but they does not respond. Due to their delay, I could not use my fund to invest and lost thousands of dollar. My case number on their support system is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Fig Tech Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fig Loans Texas LLC Reported invalidated information to any of the 3 major Consumer Reporting Agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-29
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting 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 am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX Santander XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX Santander Consumer Usa XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I switched Homeowners Insurance for a much lower premium amount. The new policy was sent to Seterus on XX/XX/XXXX. Seterus ran an escrow analysis using an insurance policy that was not in effect, in fact that policy was cancelled. This resulted in causing my mortgage payment going from XXXX per month to {$1700.00}. 
I called Seterus on XX/XX/XXXX and was told that a new escrow analysis would be re-run to update the system with the new insurance to reflect new premium amount of {$1700.00} so by the time my XX/XX/XXXX payment would be due, they had the correct amount. 

On XX/XX/XXXX I received the new escrow analysis in the mail and they again used the wrong insurance policy. I called them again to request this error to be corrected and I was told they could not correct and the only thing they could do was to request yet another escrow analysis. They told me to call back on Friday to follow up. The turn time would be 6-7 business days. Today XX/XX/XXXX I called Seterus and they have not corrected the error and are demanding payment of {$1700.00} and that if payment was not made today, they would report to the credit bureaus. I asked to speak to a supervisor and I was told there was no one I could speak to. I was placed on hold for over 40min. waiting to speak with someone. The agent came back on the phone to tell me she was reviewing the previous notes and that there was no way the new payment would be updated because it takes 30 days for the new payment to go into effect. This was the first I heard of this. I started this request in XX/XX/XXXX, the new insurance policy would not be in effect util XX/XX/XXXX.  Seterus has deliberately damaged my credit despite me following up, calling them every week. This company has been sabotaging my loan ever since it was transferred to them. It took them over 1yr to complete a modification on my loan. I was never late but because they don't know how to calculate payments they have been hurting consumers like myself that don't have a choice. During the modification process I was told to pay them {$800.00} to have the modification done. I agreed to pay but when I asked where to send the check to and who to make the check to, they told me to hold off and that they would include that on my new mortgage payment. This is the worse company I have ever dealt with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: AR
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 have a loan with XXXX XXXX, XXXX XXXX, and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}

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 2019-12-27
Company: Southwest Stage Funding
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The contract the bank biased the loan on is invalid contract. It has no start and stop date, no 3 day recession. No contractor name, no license number, no proper estimate, the language is wrong, things have been scratched out. Also I was offered money to sign the loan documents. Corhersion. 
Offered XXXX XXXX and XXXX. My loan is overcharged. Wire fraud. Fraudulent Fha loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: ID Analytics, 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: Reporting company used your report improperly

Complaint:
The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
First of all how is it legal for a company to charge % XXXX interest? I realize how stupid now I was but desperation to keep a roof over ones head leads to stupidity. Now they just take money out of my checking account anytime they want. I have been in the hospital several times recently. Not making an income currently and now have hundreds of dollars in overdraft fees due to advance financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal Credit not only opened an account in my name without my permission, but transferred the balance of a fraudulent account to that account. I received a statement today dated XX/XX/19 with a new balance of {$13000.00}. The new balance was due to a transfer on XX/XX/19 from the aforementioned fraudulent account that I have absolutely no knowledge of.

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