BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
Experian said that XXXX XXXX XXXX and XXXX XXXX  account was verified as correct. I want to know how did they verify this information? Because it is absolutely incorrect. I have no knowledge of these accounts. These are not my accounts. If they can not show me proof of verification then i want these accounts deleted from my credit report 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 2020-05-09
Company: Shellpoint Partners, LLC
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:
To my dismay I noticed an erroneous reportings on my XXXX   credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at Shellpoint Mortgage Servicing customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX XXXX , it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my Dad refinanced from XXXX in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
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:
In XXXX of 2018 I went into the US Bank branch located on XXXX in XXXX OR to remove my name from the joint accounts I was sharing with my ex boyfriend. They were happy to assist and all was good until about a year later when I receive a notice in the mail that I need to make a payment to the Line of Credit attached to that account. I called the Bank and after looking up my information, they confirmed that I had indeed removed my name from this account and to disregard the notice, as my ex was getting the same letter. A few months go by and I receive another letter from USBank stating my account is past due. This time I go into the same bank branch and speak with a manager who proceeds to tell me, they can see that I was removed from the account and not sure why the LOC account was not also closed at that time, which at that time had a XXXX balance. They confirmed to me that they would call my ex to inform him of this balance created after my name was taken off the account. Another couple months go by and I receive the same letter. This time I start making payments myself as I can't reach out to my ex and the bank has not helped me. This has created a significant dent in my credit score for debt that is not even mine.

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 2020-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I understand there is a settlement involving Santander Consumer USA and I believe I am a victim. I have had my car since XXXX and Im am still trying to manage my high payments. I have once, in XX/XX/XXXX got my car repossessed because of low payments and been able to reinstate my loan with a high reinstatement fee. 


When I initially walked into the dealer ship I went with a former friend to be a possible co-signer if needed. Some how the tables turned towards me and I was being offered a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 we contacted rocket mortgage to help us with getting a mortgage to buy a home. on XX/XX/2020 the day of our close rocket mortgage sent us an email that the application was in suspension too long and we had to start over. We suppled everything that was ever asked of us as soon as it was requested. We are now going to lose our dream home because of rocket mortgage handling of our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I started receiving letters from Mr. Cooper that I need to start making the payments again after the pandemic loan foreberance, they also gave me an option of amending my monthly payment due to Pandemic and it is called pandemic amended payment where Mr. Cooper would reduce my monthly Mortgage payment due to Pandemic. So that was applied on XX/XX/XXXX and I was told within 7 - 10 business days I will get a response from Mr. Cooper regarding this. Today 22 days have passed since I spoke with the agent and I haven't received anything. I have made around 10 calls  regarding this matter and every time I speak with a new person as my SPOC ( point of contact ) is not picking up the phone. Every new person give me a difference excuse. 

Now after threatening mr. Cooper a lawsuit, this is what they have mentioned on their website ( Please see attached ). so now they will take another 30 days to process that Amended Forebearance payment. This company is just harassing me and doing nothing else. I should have got this decision by XX/XX/2020 and today is XX/XX/2020, still there is no decision. 

Secondly, my monthly payment is XXXX and in the last statement generated this month on XX/XX/2020, the monthly payment has increased to XXXX for which I called customer care yesterday and the customer care agent told me that she is going to suspend the increase of {$15.00} for next 24 months but I am not seeing that on Mr. Cooper website. I did not receive any letter regarding the payment increase. They just increased the payment on their whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Nelnet, 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 checked my credit report on XX/XX/XXXX to find that my collective Nelnet student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to Nelnet who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to XXXX. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Can not gain access to my account to check what is due and when it's due. I also need the letter that states that my loan is in deferment status because as of right now all i have is an email from one of the service agents. It's just a little frustrating when you are trying to gain access to your account and all links to every web page is down or not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -Probate Court Case : XXXX XXXX XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My aunt XXXX XXXX has several account at Wells Fargo. I ( XXXX XXXX ) was listed as Payable Upon Death ( POD ) Beneficiary on two of the accounts. The other bank account was a Sole Owner account. I XXXX XXXX are the sole Personal Representative for the Estate of XXXX XXXX XXXX. I have some serious concerns about Fraudulent Checks written these accounts from XXXX Present. Fraudulent debit cards purchases where also made after my grandmother died. I was never contacted by the bank. I had to fight in probate court to prove I'm the sole inheritor of all my aunts estate. The original valid " Will '' which was in the safe box lists me as the sole Beneficiary. My first cousin XXXX XXXX XXXX Forged Documents, Changed the locks at my aunts property, created counterfeit " Wills '', Altered signatures, ordered debit cards and withdrew large amounts from these accounts. I'm seeking full restitution for all unauthorized transactions and fraudulent purchases. Any Account changes and maintenance to any of my aunts accounts from XX/XX/XXXX or any dates thereafter are fraudulent. She was diagnosed with XXXX XXXX XXXX, she was XXXX and XXXX XXXX. She was not fully XXXX nor willing to make any changes or consent for any Accounts Ownership Changes, Withdrawals, Checks written debit card purchases etc. Her IRA beneficiaries where also changed. I have hired an Handing Writing Expert do advised that my Aunt didn't sign nor write any checks. As a federally regulated bank, i want an investigation opened especially round the time of her death and thereafter, any and all transactions done are to be reversed. No freeze was placed on the accounts to prevent my first cousin from taking funds.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report from Transunion showed a 101 credit point drop yesterday. I filled out a Deferrement and payment based on my income request from FAFSA Dept of Education for my student loans. I did not see this at all on my credit report and needs to be there. 
It should also show on XXXX and Transunion. 

In the past months I have paid off or down several accounts to bring my credit up in order to qualify for an FHA home loan. It was at XXXX and I feel this horrendous drop is not correct at all. 

Please help me get this repaired! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX Last 4 of soc sec 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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.

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 2020-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank has the below statement on their website. But when I contacted them to ask for a refund over {$300.00} fees, which they have charged me over the last week, I was told no because they have already refunded fees on my account. We are, however, still in the middle of a pandemic crisis. Why have messages like this on their website when they are only willing to help when you feel like and not when it is needed? Why are they allowed to continue being so financially predatory during time like this?

This is the statement on their website : If you have been impacted by COVID-19 and are facing financial hardship, please reach out to us to discuss the ways we can help provide relief to you.

For Consumers : Payment assistance for up to 90 days ( varies by product ) with no credit bureau impact ( Auto, Credit Card, Mortgage, Student Loans, Home Equity Loans, Home Equity Lines of Credit ) Late fee waivers ( Auto, Credit Card, Home Equity Loans, Home Equity Lines of Credit, Mortgage, Student Loans ) Home foreclosure suspension for up to 60 days : This is automatic ; there is no need to contact us Overdraft fee waivers and service charge reversal Early CD withdrawals without penalty Auto repossession suspension : This is automatic, there is no need to contact us If you are in need of assistance, please contact us. Please note that we're currently receiving higher than normal call volumes as we help our customers through this difficult time. To expedite service, please identify yourself using your account number. Thank you for your patience!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-08-18
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged {$13.00} in interest for the months of XXXX and XX/XX/2020. I sent a request by mail disputing the charge and received a response stating the validity of the late payment fee. To my knowledge I have never been late on a payment nor received a late fee. 

I did however receive two separate charges, totaling {$13.00}, for interest charges which I would like refunded. 

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 monetary relief
Consumer complaint received 2020-05-09
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company raises my mortgage every year. I have done 2 modifications with this company and very year there is an underage. I payed a lot of money out to them to do them, and tacked on 10 more yrs to my mortgage. To top it off, I did a bankruptcy in 2016, and since that time they do not report any of my payments. My credit report is so low that i can't do anything. I have repeatedly try to understand, but I can't. The last modification stayed for less than a year, and my taxes went up. I understand that, but now again 1 yr later my mortgage is in underage again. My mortgage never ever goes down. No one has any answers, even RI housing doesn't understand. When I try to speak to them, they have all the reasons why it needs to go up. Once again, my mortgage never ever goes down. They some how dictate the amount of time so that my amount is yrs projected, but yet yr after year, it goes up and up. I have been on a fixed income now for a few yrs due to XXXX XXXX XXXX. It seems to be a loosing battle. I need someone who has experience to help me before i have no choice but to go into foreclosure after 23+ yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

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