BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Ive filed several complaints with This organization and Conduent. To no avail, Im brushed off and the problem is slightly overlooked. Im still showing pending transactions/holds on my card ; being double charged for items beginning in XX/XX/2020. Ive contacted the vendors that see the problem but they say I need to speak with the bank to fix the problem ; conduent/Way2Go sees nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
this loan was paid off then they added a bunch of interest charges. i keep getting collection calls all times of the morning before XXXX and calls after XXXX. They are also calling relatives friends and old room mates. They are leaving several messages I am attaching voicemail left on my mothers phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX is reporting incorrect information about me and have refused to make changes in a timely manner

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently 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 2021-05-21
Company: WorldRemit Corp.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called my bank and let them know that my card was missing so i filed a dispute onXX/XX/2021 from several charges appering on my online bank account so i got my money back. I recieved couple of letters stating that they investigated and that the charges where incorrect and that tha credit they gave me back was know permanent so everything good till that point so i received another letter saying that charges were correct from certain company and that they were going to take back my money so know my bank account is overdrawn by almost XXXX dlls. The confusing part is if i had reported my card lost and the same day the transsaction was made wich was on XX/XX/2021all the other were made as well so the other charges they said they were incorrect exept the charges from one company that cant be right if all charges were made same day then is obiosly i did not make or authorize this payments the company name is world remit and my banks name is chase..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX XXXX should not be reporting to Experian a collection/chargeoff in the amount of {$120.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid {$120.00} directly to the clinic. I have attached a copy of the bank transaction showing this account was paid on XXXX. This account needs to report a {$0.00} balance and not be reporting as a collection/chargeoff. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2017-08-09
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: Account status incorrect

Complaint:
I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against T.U. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for TransUnion to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. TransUnion and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

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 2020-09-04
Company: EQUIFAX, INC.
State: NJ
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 attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX XXXX  reporting or on the bureau level ) is costing me thousands of dollars in financing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed an application for 2 loans with First Repbulic Bank in XXXX XXXX. This was for 2 income properties, one XXXX XXXX  and XXXX XXXX. Both properties are based in XXXX XXXX. 

When i applied for the loan i never received any estimate on the costs associated with the loan until about 1 hour before the Title company was coming to have me sign documents. 

This was a clear violation to RESPA-TILA. I would like to discuss further how to escalate this complaint.

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 2018-03-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This company has a serve lack of knowledge. Numerous times I have been something and then call them back and be told misinformation. I am trying to pay back my loan faster and they hold my money and say that it goes towards the principle, but their is no principle only option. Then I was told that when I got my taxes to pay the balance that has been holding against and then the loan will be paid off. I do that and then I was told I was misinformed and still owed another {$1200.00}, meanwhile I was told only {$450.00} would close that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Executive Financial Consultants, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with Executive Financial after I had sent in written request asking them to validate debt that was reported to my credit bureau. I had insurance and never knew that I had a collection or a bill out there. When I asked for validation of the debt all I got was a screen shot of what they had on their screen and did not validate the debt as requested. I then contacted XXXX who was extremely rude and tried to belittle me through out the conversation and I asked him to send me a statement of the debts, he refused and said that they validated it and that is all he was required to send me. I am still asking for validation and removal of the debts. The collector XXXX refused to send me any information or statement of debt so that I could even attempt to figure out where these are from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon! In 2009 Pres. Obama gave the banks money and bailed them out ; many claimed loses on mortgages. My mortgage had been securitized several times I learned about securitization from the XXXX XXXX XXXX Ocwen now is " servicing '' the loan, which is now approx. {$40000.00} under water/upside down. Ocwen has never reduced my mortgage by that amount ; they were not the servicer at the time ; it was XXXX XXXX. That company only would offer a " modification '' I contacted the att'y general in my state of New York . I was told that they would rectify the situation. After investigationg, I was told that the modification would be a first step to hopefully reducing the principle to get it back above water/rightside up. I did take the modification, however the mortgage wasn't reduced it now had a Ballon Payment at the end of the loan term of some approx. {$30000.00}. 

I need help getting this principle reduced so that I'm no longer under water/upside down in this mortgage. Also, if XXXX XXXX did take money from the gov't. to be bailed out I want MY BAILOUT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I revived my XXXX statement which advised the payment had increased to {$460.00}. I was also concerned about taxes so asked for the escrow to be re-reviewed because the massive increase did not make sense. They sent an updated escrow analysis, but no new statement or requesting an updated payment. I made my XXXX payment on time per the statement. 

I revived a letter that says it was sent on XX/XX/XXXX, but it was not received until XX/XX/XXXX via mail. The letter stated that my payment was deficient by {$190.00} and that they had not processed my payment. 

On XX/XX/20, I called to inquire about this which I was told well your payment increased because of an Escrow shortage which I advised I was confused about this because I was never requested to pay a different payment for XXXX nor did I receive a new statement which indicated a different payment for XXXX. I advised that this was unacceptable for them to request further funds when I made the payment as requested and that they never issued a new statement. Furthermore, I also received my tax appraisal on my home from the county which indicated a decrease in the value so that means my property taxes have actually gone down and not increased. The representative was stating that I just needed to pay the difference which did not make sense because there was no context or request that the payment for XXXX had increased since a new statement was never issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Monday XX/XX/2020 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my account with XXXX/Wells Fargo ( see attached wire conformation ) and the money never made it to my account. Both XXXX and XXXX XXXX XXXX XXXX and my self have been trying to get Wells Fargo to respond and or return my {$10000.00} with no luck. Wells Fargo has refused to talk to any of us when we have called them. Wells Fargo has not returned any of our phone calls, email or by wire communication back to XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the hospital with a XXXX. I had over {$600000.00} worth of medical bills. XXXX covered most of it. This was in XXXX. My brother told me a collection company called his house to collect my debt. Then today I got a letter from the same collection company in the mail. It stated that I owed {$190.00} for a doctor bill from when I was in the hospital. I told him I have been making payments on all of my bills. I wanted to know who the debt was from. He told me XXXX XXXX XXXX. I checked and I have not gotten a bill from them. I can't possibly pay a bill that was never sent to me to pay. Then they turn it over to this collection company that treated me like I was a criminal. He told me to research it myself. His job is not to tell me who was billing me or their phone number. I have no idea what this bill is for. I have no idea if it is even real. 
I think I should not have someone not send me a bill and then try to ruin my credit by turning it over to a collection company. That is certainly not fair and it doesn't seem legal.

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 2020-05-30
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: Old information reappears or never goes away

Complaint:
House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!

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 2017-08-09
Company: BBVA FINANCIAL CORPORATION
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:
Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to early warning that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX Card into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with early warning but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my early warning reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent an email to my point of contact Mr. XXXX XXXX at XXXX, in order to request a refund of {$7800.00} USD that I was told by XXXX XXXX XXXX which is the company that initially processed the loan. 

I have tried to communicate with Shellpoint several times by email and phone calls in order to get an answer. However, I have not received clear information. They say they have not received the requested document ( Settlement Statement attached to this complaint ), but I am sure I have sent them this document 3 times. 

Please, I request that the money mentioned above be refunded. Also, I would like to know why the regular payment of the mortgage increased from {$2400.00} to {$2900.00}, because as I understand, this amount was going to be fixed during the life of the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint Best regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Contacted Comenity Capital Bank toll-free number and was told we could pay an account balance with a debit card. On XX/XX/2020, when we arrived at XXXX XXXX in the XXXX XXXX XXXX in XXXX XXXX, Texas, we were told we had to pay account balance with a check. DO NOT ATTEMPT TO CONTACT ME AT THE TELEPHONE NUMBER LISTED WITH THE XXXX. THAT TELEPHONE NUMBER IS A NON-WORKING TELEPHONE NUMBER. I PREFER TO BE CONTACTED BY EMAIL AT XXXX. DO NOT CONTACT ME BY TELEPHONE.

Company response to consumer: Closed with explanation