BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX XXXX- XXXX XXXX. They keep calling threatening me ' if you have an attorney have them call if not we will asset you are not interested in settling this matter and we will have to take further steps ' they send d letters I got one in XXXX stating pay. {$66.00} by XX/XX/XXXX. I paid XXXX yet they are not satisfied! I wAnt to pay my bills, but my husband and me ran into hard times. Try going through cold wuss with no heat taking cold shower s. It was more important to get oil so we had to let the charge cards go. Plus they don't work with you- by stopping interest they just keep adding it on. Please help they should be sued for harassment! I can not even ask questions when I call they know your information from caller I'd, yet they won't help or give info out. Today was the last straw I want something do e. Their number XXXX XXXX. Extension ( ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Navient Solutions, LLC.
State: WI
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 am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my XXXX Credit report says Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My problem is to be unable to access my Wells Fargo 's account for long time now. I used all the systems located in online but they said that all time " we do not recognize your username, password or SSN ". I am truly a customer for many but now unable to access my account in this bank now.

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 2020-06-05
Company: PROVIDENT FUNDING ASSOCIATES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I wrote out a mortgage check # XXXX in the amount of {$1200.00} and mailed the mortgage payment on XX/XX/XXXX. I have a two week grace period, up to the XXXX of each month before it is considered late. I received a letter from Provident Funding on XX/XX/XXXX stating that they did not receive the payment. I called Provident Funding on Tuesday XX/XX/XXXX and spoke with a representative about my {$34.00} late fee along with the missing payment. I gave the check number, and the representative on the phone looked in the mail to see if it had arrived and stated that it was not there. I called my bank and they checked if it was cashed, which it wasn't. For two days, I checked my account to see any account activity about check # XXXX. Thursday, XX/XX/XXXX, I canceled my check. Come XX/XX/XXXX, I wrote a new check # XXXX out for {$1300.00} and took it to the post office and paid for registered mail, so they had to sign when they received the check. As of today, XX/XX/XXXX, they have not received it and still wish to charge me for an unpaid mortgage, along with putting my name in credit collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex mother in law XXXX XX/XX/XXXXand her house was left abandoned by her son. In XX/XX/XXXXof XX/XX/XXXXthe house was still sitting. My children wanted to live in grandma 's house and since my lease was up in my apartment I decided to see what I can do about that situation. I contacted my ex husband and he told me he did not want the house. I asked for the mortgage information so I can see what I can do to save the house. My kids and I moved in the house and I started to correspond with the mortgage company. I was told that I can assume the loan and do a mortgage modification. I was told if I qualify and complete the modification is when the loan can be assumed. I started the process. I got approved for the modification and was to make my first payment XX/XX/XXXX.. I received a call from PennyMac stating that everything was not approved yet in XXXX. I asked what about the payment I am supposed to make this month. The lady stated that I should not make a payment until I am approved. I stated ok and how will I know if I am approved. She stated that I will be notified in writing. I said ok and waited for the correspondence. I received a call at the end of XX/XX/XXXX concerning payments that should of been made XX/XX/XXXXand XX/XX/XXXX. I told the person exactly what I was told to me on the phone. She told me that call was a different department concerning the assumption. I told her that I was not informed of that and she stated that they were going to cancel the modification if I did not make the payments. I told her that I can make XX/XX/XXXX at that time and I will make XX/XX/XXXX2 weeks after that and she stated ok. I made the payment. There was a problem in the house in which I had to pay a huge amount to get something fixed. I explained to PennyMac this situation and was told that I needed to make payment for XX/XX/XXXXand XX/XX/XXXX that day. I explained my dilemma and they stated that they can deny the modification and I can reapply in 45 days. I stated that will be fine. I called in 45 days to reapply and I was told that they already put everything in for me to have assumed the loan so the loan was in my name. I stated how was that possible since the modification did not go through. She could not give me the details since that was a different department. So now they are stating that I have taken over the loan the was it was which was in foreclosure and past due {$20000.00}. I asked what I can do and I was told to come up with {$10000.00}. I explained that I did not have that kind of money and specified that this is not right that I was put on this loan under false pretense and she stated that she has nothing to do with that. I need help. I do not know what to do but I know this is not right possibly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AES/PHEAA
State: GA
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 have over $ XXXX in XXXX school loans currently being serviced by FedLoan Servicing. I am a XXXX   and have been making qualifying payments for the last almost 9 years toward the Public Service Loan Forgiveness program. By my own count I have made 105 qualified payments of the 120 payments required for loan forgiveness. FedLoan currently has two of my loan payment counts at 75 and two at 60. These numbers are dramatically lower than the actual count and should be the same as I have never paid on only half of the loans - the payments should have been going to all four. I  called and requested a manual recount for my account with FedLoan on XX/XX/2020 but still have not received results of that recount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: American Credit Acceptance, LLC
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:
I have hard inquiries on my credit score that i did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I became aware of fraudulent accounts that were opened in my name back in XX/XX/2020. Immediately after discovering the fraud, I filed a dispute with TransUnion. I also reached out directly to the creditors that were reporting these fraudulent accounts. The creditors would not speak with me on the accounts as I could not verify all the information they had and redirected me to the credit bureaus. After approximately 30 days, TransUnion alleged that all creditors verified the accounts belonged to me. 

After consulting with a consumer attorney, I filed a police report along with an FTC report confirming I am in fact a victim of identity theft. I subsequently sent a request to TransUnion under section 605B for the FCRA requesting that the fraudulent accounts be blocked. This section reads, in part : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I supplied everything that was required to TransUnion and sent it certified mail with tracking number XXXX. The tracking information confirms my items were delivered on XX/XX/2020. After receiving no response, I contacted them via telephone on XX/XX/2020. I was advised that they received my documents but decided to dispute the fraudulent accounts directly with the creditors again instead of blocking them. After reminding the representative that the FCRA mandates a response to my request, she advised they have the authority to determine if my requests mandates a response and then chastised me for not discovering the fraud sooner. I was left shocked and confused that a large corporation would have such blatant disregard for the intention of the legislators.

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 2020-05-11
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:
In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( XXXX XXXX XXXX ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( XXXX XXXX XXXX ) fails to give you a required written notice, then I can challenge its claim for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that XXXX XXXX XXXX is unable to provide.

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 2021-06-24
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I called the company Regional Acceptance Corporation today. ( XXXX ). I was told to contact the credit bureau. The account was closed in XX/XX/. There is no balance, but it is showing on the credit report as negative.

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 2019-05-28
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: Account information incorrect

Complaint:
I am disputing unauthorized and unverified accounts on my credit

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 2018-02-24
Company: Westcreek Financial
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked the pay day loan Comapany many times to stop calling my work my phone or me. They keep calling daily. They called my work. After I asked them to stop. XXXX the cash store XXXX Texas. She 's rude. Does n't listen. I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments on this XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have been disputing a hard inquiry on my credit report from XXXX XXXX. As of a few days ago a collection account was opened from XXXX. Again, I have never done business with XXXX and if the the dispute for the inquiry had been taken seriously I would not have a collection from them on my credit report. I have reported with Equifax, XXXX and have filed a police report. I want any information regarding XXXX and the fraudulent activity removed from my credit report. In addition an address of XXXX XXXX XXXX, XXXX, FL XXXX has appeared on my credit report which I can only guess is related to the other fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Penn Credit Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2020 I submitted a claim with Chase Bank for my freedom credit card due to an item I bought being very late but more importantly counterfeit. 

According to Chase 's charge error policy : " Charge Error A charge error is a transaction you recognize but appears to be incorrect, such as : A recurring transaction or trial subscription you canceled A product or service you never received or received late A one-time purchase you returned or canceled, and you still havent received a credit A charge higher than the amount on your receipt A product or service you received and are dissatisfied with Your card was charged even though you used cash or a different card The same card was charged more than once for the same transaction '' I should be fully covered. 

Attached is the formal claim submitted to Chase Bank containing irrefutable evidence I should the transaction is a charge error and thus should get an account credit.

Company response to consumer: Closed with explanation