BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found in my credit report a Collections : NATIONAL CREDIT AUDIT CO with this Account # XXXX and I don't recognize this company. I already try to find out and I wrote them, I attached here the proof. I send a Debt Validation letter in XXXX and I haven't received an answer yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On several occasions I've reached out to credit bureau, by letter and over the phone. A they have failed to honor my request, as they have not updated my address and name 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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AES/PHEAA
State: OH
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:
I called XXXX XXXX, my current servicer, about a week ago just to make sure that everything was in order. I am participating in the XXXX XXXX XXXX XXXX XXXX, and I have about 3 years left of payments. I asked about confirming the date that is on all of my paperwork from XXXX XXXX   which is XX/XX/XXXX. I had problems with my previous servicer XXXX XXXX in that they lost my paper work, and I was put on a forced forbearance for a couple of months. When all was said and done, I had proof that I had sent the proper paper work, and that XXXX XXXX had mis-handled it. Because of that, XXXX XXXX was counting those months on forced forbearance toward my 120 payments toward XXXX. In addition, I had been in a consolidated loan since being with XXXX XXXX in XXXX. XXXX XXXX took over my XXXX XXXX at some point-I am unsure of that date. I called to confirm all of the mis-handled paper work, etc. at that time that they took over the loans, and I was assured that they could see the previous notes from XXXX XXXX and that they would honor that. Fast forward to today. When I called XXXX XXXX most recently ( XX/XX/XXXX ), I was told to " take that date with a grain of salt '' meaning the XX/XX/XXXX date when I am eligible to apply for forgiveness. I was told that they had no record of being in a consolidated loan with XXXX XXXX and they were using the date that XXXX XXXX took over my loans. I told them that I had always been under a consolidated loan since being in repayment because I have always been participating in PSLF ; I work for a government organization. They told me that they were unable to see any notes from when XXXX XXXX serviced my loans, and that I would " have to prove it '' that I had always been in a direct consolidated loan. I find this hard to believe in that they were previously able to see those notes in the past. On top of that, I never did a new consolidation when XXXX XXXX took over. I happened to find my consolidation paperwork from XXXX with XXXX XXXX, so I actually can " prove it '' ; however, I should not have to do that. I also filed an ombudsman complaint both with XXXX XXXX as well as the US Department of Education, and I have not heard back from either organization even though they said that I would hear back within 48 hours. That was at least a week ago, and pushing toward two weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: IN
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 XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my mortgage with PHH Mortgage matured after 15 years of payments. The company says they sent one letter in XXXX, XXXX to let me know the loan was set to mature. They have also admitted there was no other communication regarding the loan. 

I did not realize the loan had matured and continued payments, which were accepted by PHH until XXXX, XXXX. The XXXX payment was returned to me and it was then I was informed the loan had matured. I contacted PHH and was told I needed to pay the full amount of {$55000.00} at that time. 

I contacted PHH to do a modification to my loan and had was told to submit my application as soon as possible. On XX/XX/XXXX I submitted the required documentation and received a letter dated XX/XX/XXXX saying my application was complete. 

My customer service representative, XXXX, informed me on multiple calls that I had completed the application and thanked me for being prompt. During this time my credit score was dropping due to my non-payment on the {$55000.00} balloon, but since I was working with the company, I had been told I would not be held accountable for the loan as it was " in process ''. I was later told this was incorrect and I was unable to get a loan anywhere else, so I was forced to continue using PHH. 

On a call on XX/XX/XXXX I was told there were items missing from my application, even though I had a letter from PHH saying my application was complete. I was told my pay stubs, and application were all older than 90 days and were not being accepted. The fact was my documents were less than 30 days old, and there was confusion among the three customer service representatives as to what was actually needed. After three hours on the phone it was found my application was indeed submitted less than 90 days before, but the clock had restarted on the 30 day timeline PHH had to act on my application, which forced my credit even lower and ensured I either paid PHH the {$55000.00} ( which I do not have ) or get the terms of loan if they decide to give one to me. 

I feel their practice is predatory in nature and has forced me to use their company at the terms they set. The company admitted I had never missed a payment in 15 years and even paid XXXX extra months when the loan matured. Their customer service was aggressive on occasion and less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the XX/XX/XXXX firestorm, we fought and saved our house with minor damage to the structure. However, there was significant damage to ancillary structures that we built with our own money, after receiving the initial mortgage from Quicken Loans. Our loan amount is less than 20 % of the appraised value of our home, so the company has more than enough equity protection. Our insurance company is XXXX, and they have been extremely cooperative in this process. We have " replacement value '' coverage with them. They have given us checks for the depreciated value of the two buildings in our name and in the name of Quicken Loans. Quicken loans has retained approximately {$7500.00} of that money. To collect the difference between the depreciated value and the cost to replace, the policy requires us to pay, out of pocket, to replace the lost structures. As we do this, we receive reimbursement from XXXX, but with Quicken Loans as an additional payee. We simply can not get Quicken Loans to reimburse us. We can not get answers from them unless we call, and the wait times are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: BARCLAYS BANK DELAWARE
State: OK
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:
Barclays Bank in Delaware received a copy of my credit report without consent out reason.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}

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 2018-03-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX of XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with XXXX XXXX XXXX. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and XXXX XXXX as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted XXXX XXXX to discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. XXXX XXXX   has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has XXXX XXXX EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!

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 2018-12-13
Company: AES/PHEAA
State: MI
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:
I am enrolled in the Pay as you earn plan through XXXX and also in the Public Service Loan Forgiveness Plan. I have been in this program since XXXX and have renewed it the same way every year- with the application, check stubs, and my W-2. This year I turned the application and supporting documents in on time. On XX/XX/XXXX I received a letter stating I also need to turn in my 1040 which was sent in on XX/XX/XXXX. I received a letter on XX/XX/XXXX that said I have been approved and to continue making my normal monthly payment ( {$39.00} ) until XXXX and then the amount would increase to {$46.00}. I made that payment on XX/XX/XXXX but saw the amount that was due is {$240.00}. I thought this was just a lag in the system and things would catch up since my paperwork was still being processed. I received texts and emails stating I was overdue on my payment and still owed the {$240.00}. I called on XX/XX/XXXX and spoke to 4 different people including the supervisor at XXXX. They said the letter was from XX/XX/XXXX and that turning my 1040 in on XX/XX/XXXX was more than the 10 days late that they allowed. The letter I have in my paperless inbox is dated XX/XX/XXXX and turning the letter in on XX/XX/XXXX is less than 10 days from that date. She said that the bill came out while my paperwork was being processed and there is no way this can be changed to the normal monthly payment of {$39.00}. I asked why they are unable to change this since the paperwork has been processed and was turned in on time. I was repeatedly told that my paperwork was turned in late and it should have been turned in earlier. I asked why I need my 1040 this year and they said because I checked the box that said to include my taxes. I have looks at my other applications and this box has been checked on those and I have never had to do this. I have only needed check stubs and my W-2. Everything was turned in on time. Since I have been told there is nothing they can do about this and this is the amount due, they told me to do a forbearance. I can not afford this payment which is why I am in the Pay As You Earn Plan. I have XXXX XXXX, a mortgage, bills, and limited income. The customer service I received was terrible. I did everything I was asked, turned everything in on time and because it took almost a month to process the paperwork, I was stuck with this amount and had no choice but to do a forbearance for this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My travels were cancelled by a cruise company due to covid. I paid for this travel XX/XX/2020. The cruise company refunded the credit card I used leaving me with a {$5600.00} credit on my credit card and {$750.00} on another. Since last friday I have been trying to get someone at Bank of America to transfer my money to my checking account with them. No one will act! After about 1.5 hours of playing with their pathetic phone system i contacted the Fraud Department knowing i would reach a live person there, she transferred me to a CSR named XXXX ... .she began to do the transfer and then disconnected on me -- Never called me back! After another 1.5 hours I finally got some guy on the phone " XXXX '' i think, and he said he would do it BUT HE ONLY DID THE {$750.00} and NOT the {$5600.00} even though he was smug about my questioning why i couldn't get confirmation that he did that transfers. Seems i was right knowing that BOA CSR 's are not well trained. Well I am still today waiting for Bank Of America to refund my {$5600.00} to my credit card. I have written to them 4 times ... they sent me a form letter stating " we've been trying to reach you '' which is a LIE. So know bank of america is a liar and thief! They have not reached out, they want me to call and go round and round on their phone system. It is my money, i want it NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Here is the real irony! XXXX XXXX had my flight refund of {$3100.00} on my credit card with them. That same friday morning i called them, got a person on the phone almost immediately. They processed the credit the same day AND THAT AMOUNT WAS CREDITED TO MY BANK OF AMERICA ACCOUNT YESTERDAY! 

So another company not affiliated with Bank of America can get my money to a Bank of America account FASTER thank Bank of America can simply transfer into another of their own accounts. How pathetic is that! 

I want my money transferred today!

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 2021-09-13
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a XXXX MasterCard issued by US Bank. I have been making monthly payments on it regularly. Recently, as I continued using my credit card I did not realize that I had reached the credit card 's limit. But, instead of declining the card, US Bank allowed the transactions to go over the limit by more than a thousand dollars before stopping. 
Now according the the monthly credit card statement, US Bank wants me to pay the amount over the limit IN FULL and AT ONCE. 

I am able to make monthly minimum payments plus a little extra without a problem, but it seems rather fraudulent that a bank will let your credit card go over and then insist that you pay that whole amount in full. Isnt that the purpose of having a limit on a credit card so it stops when you've reached it? 
There used to be Overdraft Fees by the banks, now it looks that the have brought the same trickery to their Credit Cards too. 

I am a XXXX. I graduated from XXXX XXXX last month and successfully passed my XXXX. Last year or so, I have worked part-time as a XXXX XXXX and have been on the front line of XXXX XXXX along with my fellow brave XXXX. I have worked and studied very hard to get to where I am and having recently graduated, I am looking forward to start working as a XXXX XXXX myself. 
Every one calls us Heroes and thanks us for our sacrifices, but blink or get too busy with your job of helping other people or fail to check your bank statements properly, and fall slightly behind in your payments and there is another financial institution ready to take advantage of 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 2020-05-04
Company: CONTRACT CALLERS INC
State: UT
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:
Contract Callers Inc XXXX - I did not receive a 30 day right to dispute this debt as it wasn't owing because it had been paid. This should not be reporting on my credit report as I never received a statement.

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 2020-12-15
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:
I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from 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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2017 an employee of Chase called from their fraud unit called to alert me to fraud on my two Chase credit cards. They advised that they would close down both of the accounts and replace them. My purse had been stolen and fraud not only happened on the two chase accounts but my XXXX XXXX credit card as well. I was told that I was not liable for the balances. One balance was wiped out but the account that had no balance had a {$2500.00} balance a few days later. XXXX XXXX  wiped out my balance. Someone had opened a XXXX XXXX   account in my name and transferred funds from my credits cards through the XXXXXXXX XXXX account. The person who called me said they would send me a packet in a blue envelope to complete. It never arrived. I called the fraud unit and spoke to very rude woman who told me I was lying and that I owed the money. They said they completed their investigation and they would do nothing more. They continue to bill me under a southwest chase credit card and I feel forced to pay it monthly or have my credit ruined. I asked them to provide proof that I owe the {$2500.00} and they will not comply. The credit cad number is XXXX XXXX XXXX XXXX. Despite their actions I still have a good fico score. I m not in a position to continue to pay this and need assistance. This is so unfair.

Company response to consumer: Closed with explanation