BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was charged fees and monthly installments when the account has been paid off when I refinanced my house in XXXX, in fact it had to be for the refinance, no bills for months then today I received a bill for past due payments.

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 2018-07-26
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Loft All Rewards card issued by Comenity Bank. I have an excellent payment history other than one late payment a year ago when I didnt realize I had a payment due ( I had made a purchase that I didnt think would appear until the next billing statement ). 

My payment is due on the XXXX of the month. I was on vacation the last week of XXXX so I didnt make my payment until the evening of Sunday XX/XX/XXXX when I returned home. I received an email confirmation ( attached ) of my payment that I had made through the online portal. The email clearly says that payments made through the portal by XXXX on the due date are considered on time. My payment didnt post until the next business day, which was Monday XX/XX/XXXX. On Sunday XX/XX/XXXX I was assessed a late fee and finance charges. I had paid the balance in full. Since I thought I had paid off my card I didnt realize I had a subsequent payment due and therefore did not make a payment on XX/XX/XXXX and was charged an additional late fee and finance charge. 

When I contacted Comenity to complain they told me that they couldnt do anything for me since they had previously forgiven a late payment fee for me ( for the mistake a year ago ) and therefore I was liable for the additional fees and charges. I replied that I shouldnt have been assessed the late fee to begin with because I had actually made my payment on time. They have not responded any further. I also noticed when I logged in to make my complaint that they have also moved up their cutoff time to make payments now to XXXX - which only flashed up on my screen very briefly and did not show up again - so people could very well not see it. 

Every other card I have credits payments as on-time as long as they are made by XXXX on the due date, regardless of whether it is a weekday or a weekend. Its incomprehensible to me that they can legally charge late fees for a payment made on the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
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:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain 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 2018-03-06
Company: Nelnet, Inc.
State: GA
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:
IN XX/XX/XXXX, I CONTACTED NELNET TO INQUIRE ABOUT ACCRUED INTEREST ON MY LOANS BETWEEN XX/XX/XXXX-XX/XX/XXXX. OVER {$7000.00} IN INTEREST HAD ACCRUED DURING THIS 3 MONTH TIME-SPAN, ALTHOUGH ALL OF MY LOANS SHOULD BE IN A GRACE PERIOD. I GRADUATED FROM XXXX ON XX/XX/XXXX ... MY REPAYMENT SHOULD NOT START UNTIL XX/XX/XXXX. I HAVE MADE 3 FORMAL COMPLAINTS ABOUT THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2020-09-13
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 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:
I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

Experian also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with 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 2016-04-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is 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 2023-03-22
Company: EQUIFAX, INC.
State: OH
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:
My XXXXXXXX Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with XXXX XXXX Equifax. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, XXXX determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with XXXX, providing once again the proof of payment. 


Equifax has not updated m report after closing the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage has done two escrow analysis on my home within one year! I read on their website they do it only once. Soo now they have done this twice and my payment since then has went up over XXXX XXXX I dont believe this is right, or legal. I seen they have tons of complaints and hate that my mortgage got sold to them. I have also tried several times to call them and I can never get in touch with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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: Account status incorrect

Complaint:
On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached 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 2020-02-04
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: Account information incorrect

Complaint:
XXXX XXXX is reporting I Owe {$220.00} on my experian credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND EXPERIAN IF THIS INCORRECT INFORMATION IS NOT REMOVED

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 2021-04-28
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:
Hi. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2023-04-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After many, many letters that have been mailed and uploaded to Experian, they have not removed addresses that are inaccurate. The most recent letters mailed to Experian were sent on the dates XX/XX/2023, XX/XX/2023, and XX/XX/2023. Still, they have not removed the inaccurate addresses. Letters sent to Experian on these dates are attached. They have blatantly ignored every single letter sent. 

Experian 's website will not allow me to dispute the incorrect personal information ( please see attached ). The website directs me to upload or call instead. Well, the phone number leads me to speaking to a robot, and I have uploaded my disputes every single month over the last 6+ months, and I have been IGNORED! Experian is not correcting my credit report. They are allowing inaccurate data and information to be reported which is illegal!

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report Transunion : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : XXXX XXXX Account # XXXX amount {$870.00} Date open XX/XX/XXXX XXXX : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} XXXX : XXXX Account # XXXX Amount  {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}

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 non-monetary relief
Consumer complaint received 2022-08-13
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a potentially fraudulent letter in the mail from this law firm. Apparently HUNDREDS of other people have as well, and they have hundreds of complaints listed on the XXXX website from people complaining about the same fraudulent tactics. How does this firm still have an XXXX XXXX XXXX rating with the XXXX? Ridiculous. Here 's the email I just sent to them, which includes the details : " I received a " WARNING : YOUR LICENSE MAY BE SUSPENDED '' letter in the mail from your firm, claiming that I owe {$380.00} to XXXX XXXX XXXX XXXX of 2019. First of all, I was nowhere near XXXX the entire month of XX/XX/2019. I keep immaculate records in my calendar. Second, I did a search for the citation number you gave me on the XXXX XXXX XXXX Your citation number isn't even in the proper format. I also did a search for open citations based on my name ; none could be found. Therefore, I immediately demand you provide me with proof of this supposed citation, including the make/model and license plate number of the vehicle, the exact date and time of the infraction, and any other supporting information you have available. I will, in the mean time, be investigating your firm for a possible fraud report to the CFPB and XXXX Attorney General 's office. Good day. '' I would like you to investigate this firm thoroughly and if possible file a criminal complaint with the XXXX of Florida. Possible class action. I have already filed a complaint with the XXXX Case number is XXXX XXXX complaints : XXXX XXXX XXXXXXXX Over XXXX reviews, and they have XXXX out of XXXX stars and it looks like at least some of the ones who are over XXXX star are mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay servicing is my mortgage servicer and fay servicing was holding my payments in a suspended account now i have a late payment on my mortgage credit and fay servicing will not remove the late charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
ON XX/XX/2020 I opened 2 checking accounts ( ending in XXXX & XXXX ) and 1 savings account ( ending XXXX XXXX with CitiBank. On XX/XX/2020 Citibank froze account ending in XXXX with just under {$500.00} in the account. I no longer had access on line or could request my money. No one would speak to me through customer services and I got the run around. On XX/XX/2020 my account ending in XXXX was froze with {$3300.00} remaining in the account. I can see it on line but yet again I am not getting any answers on why this is all happening or how to gain access to my money. Also, on XX/XX/2020 my account ending in XXXX was also frozen with no answers or help with a remaining balance of {$25.00}. 

To date I can not get anyone to answer me. I get transferred from representative to representative over and over and over. And managers tell me " banks can hold your money without any reason required ''.

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 2020-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! Equifax 's system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested 5/3 Bank to wire my savings to XXXX 3 weeks ago. The transaction was not successful since the money never showed up on my other account. But 5/3 doesnt know where the money is. Theyre trying to track it but still nothing after 3 weeks!! I have provided them with all the documentation but not even a partial credit has been given to my savings account.

Company response to consumer: Closed with monetary relief