BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in covid forbearance and company is demanding intimate details of my loss before approving my forbearance. 
They are violating the CARES act by demanding this information and it needs to stop immediately. 

Below is documentation straight from the HUD website : XXXX for Assisting Borrowers If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. 
No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. 
This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

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 2018-04-05
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my stash rewards visa was stolen and used and the fraud was over 12000k and they rebilled it to my account there claiming XXXX XXXX  told them this was used at my store which i dont even own a store and thats why they rebilled it i filed a police report the report number XXXX XXXX police report phone number is XXXX and the officer is XXXX XXXX with district 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 non-monetary relief
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: WA
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 have a mortgage loan with WELLS FARGO HM MORTGAG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO HM MORTGAG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO HM MORTGAG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 2018-02-28
Company: Navient Solutions, LLC.
State: AK
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:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK 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 2019-03-07
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a garnishment hold placed on both of my checking accounts for {$350.00} from XXXX XXXX XXXX XXXX. It ran both of my accounts negative. When I spoke to the bank I was able to get the creditors phone number and called them. I was informed at that time ( XXXX ) that the amount of the hold was what was owed on taxes from XXXX. I have never received a letter from that company stating it was owed. When the money came out of my account ( which took my rent money ) I called them again ( XXXX ) to have the hold removed from my second account the agent told me they took my tax return from this year and there is still {$110.00} owed to satisfy the debt. Now every time I ask for a copy of the bill stating how much was owed and from when the company hangs up on me. I have yet to get proof that I actually owe for back taxes. Also for the last two years I have received a state tax return so if there was money owed then that would have been taken. I would like to know what my options are at this point since the collection agency is basically refusing to provide me proof of what is owed. Also I have never gotten a court date or any papers about a judgement against me. My job hasnt received any notices about any garnishment either. Thank you for your 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 2023-08-09
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2017-08-04
Company: MOHELA
State: IL
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 applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. 
I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my  repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: MO
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:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2023-08-09
Company: Synovus Bank
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by First Digital, almost a year later after I paid the money First Digital sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
I've asked credit reporting agency Experian, to remove an address from my credit report because it is incorrect I've disputed item on XX/XX/XXXX, and twice on XX/XX/XXXX, and they have not removed it, I've even sent documentation of the correct address, they are only updating and not removing the incorrect 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 non-monetary relief
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: MD
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 have sent out a letter to Experian about one ( 1 ) account on my credit report XXXX  XXXX XXXX. I have asked Experian As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account ( XXXX  XXXX XXXX XXXX. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Experian signed for it. I have never received the contract that contain my signature which I repeat is my right under the section XXXX of the FCRA and Experian keeps reporting that account ( XXXX  XXXX XXXX XXXX to my credit report. I would like to notify you that the account has been removed on my XXXX  and XXXX  credit report. Why can't Experian do the same? Does XXXX  XXXX  XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that accounts from my credit report. I have attached to this statement the XXXX return receipt and the copy of the original letter that I have sent to Experian. Please CFPB help me fix this issue. Experian is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: BlueChip Financial
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}. 

I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 we made a purchase at XXXX 's for {$180.00}. When we got home and checked our account it charged us 13 times for the same transaction. I called Suntrust bank and the lady I spoke to said there was a one our period where this happened to quite a bit of people and it should be corrected with in the hour. This did not happen. On XX/XX/2020 some of the transactions were taken off but some of them are still on our checking and savings accounts leaving us with no money period in either account. I called Suntrust again on XX/XX/XXXX and they still charged our account with 2 of these transactions. I was then told I would have to dispute these transactions and it could take up to 10 business days. They admitted that the mistake was made by them. I don't understand if they could take care of some of these transactions why they couldn't take care of all of them knowing it was their fault leaving both accounts in the negative. We are not able to fill prescriptions, buy food, get gas on anything else.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: IL
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:
This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.

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 2020-05-15
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Macy 's credit card has reported a late payment and has ruined my credit score by more than a 100 points, I have tried to get in contact with someone regarding this issue but they would not help me. I was not aware of charges on my card account, and I had made a return that should have completely covered it. In addition, when I was in the store and asked an employee to check my balance, they told me I did not have a balance thus I was not worried about it. Until I opened my credit score and noticed a huge score drop. This is unethical, in difficult times like this, I can not have my credit ruined over a very small transaction. I was unaware, and even after checking with an employee I was given incorrect information. I would like to dispute the late payment.

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 2019-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bankruptcy was dismissed and discharge over 10 years ago and XXXX XXXX was paid in full ( should be removed from my credit file ) was paid prior to be in my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: ERC
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After a 3 & 1/2 year relationship, I'd had enough. On XX/XX/2020 I broke off the engagement with the father of my XXXX month old daughter. Taking my XXXX girls and a handful of clothes, I left him on the morning of XX/XX/2020. While en route from XXXX  to XXXX, I discovered my girls ' XXXX savings accounts had been drained. I had {$3000.00} in each of their minor accounts with me as the sole guardian/parent/owner. I specifically set them up this way with a personal banker who assured me he'd never have access to these accounts. I had opened these on XX/XX/2020 in person with an initial deposit of {$2500.00} into each account and added a second deposit of {$500.00} each on XX/XX/2020. Evidently on XX/XX/2020 he managed to do an online transfer of both their savings accounts into the mutual checking account we'd been sharing for a few years. It was around XXXX or XXXX on XX/XX/2020 when I saw my daughter 's monies were missing from their accounts and so I quickly went to a Wells Fargo branch in XXXX  where I was given a print out showing the funds were in a pending state. After hours of phone conversations with many Wells Fargo departments I was given case numbers and assurances that the transfers had been halted and my daughters ' monies were safe and to be returned. I was told it would take 10 days then I was told because of my need and urgency, it would be expedited. Extra safety measures were put into place to ensure he couldn't repeat the stealing of my girls'monies by setting their accounts up with my voice recognition and a verbal password. After a few days of waiting, and several phone calls more, I was instructed to go into a Wells Fargo branch in XXXX XXXX to close out the mutual checking account on Saturday XX/XX/2020. It was then I was told my girls monies should be returned to their accounts in two days. Two days later and still no funds. I did receive an email instead stating I'd receive a phone call in 3 days. It's 3 days later today on XX/XX/2020, and no phone call - no funds. The only piece of information they would tell me was that he withdrew the money on XX/XX/2020 at XXXX & XXXX XXXX. I am now unintentionally a financial burden on close family and friends. 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 monetary relief