BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Home Loan Center, Inc.
State: AZ
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:
Contact with creditor suspected as a result of an inquiry via Lending Tree and not expressly authorized in view of the reason cited for adverse action had nothing to do with credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: MI
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 disputed the Funished information from XXXX XXXX XXXX multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.

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 2018-03-24
Company: Navient Solutions, LLC.
State: FL
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:
I have been paying this loan over 15 years. My payments are not being applied correctly, each statement I pay the amount due but my balance doesnt appear to go down. I just happen to review my account online and find that interest was capatilized on XX/XX/XXXX and XX/XX/XXXX but I dont k ow why. My payments were set up on auto payments so there should not be any capitalized payments. 

I will never pay this loan off if my payments are not applied correctly. Please investigate and make sure that my payments are applied correctly and the balance corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: KS
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:
See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.

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 2017-08-08
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This issue is in regards to a mortgage being survived by PNC. The details are : 30 year term with a fixed interest rate ; payments are principal and interest only. The mortgage began through XXXX XXXX XXXX in XX/XX/XXXX, that bank was purchased by XXXX XXXX. XXXX then sold the servicing to PNC in XX/XX/XXXX. Upon the purchase, PNC erroneously placed an escrow on the account for the annual home insurance. The fee was {$330.00} annually. So the monthly payment went from XXXX to XXXX. I contacted the bank in XX/XX/XXXX to notify them if the issue. PNC told me the issue was resolved in XX/XX/XXXX. However, in XX/XX/XXXX I received notice that my payment was late, as they were holding my principal and interest payments until they recover the amount including escrow. I called PNC in XX/XX/XXXX and notified them if the issue. PNC said it was resolved. In XX/XX/XXXX I called again as I was notified of late payment again. However this time PNC reported a late payment to the credit bureau. This was in error as they were holding my payment waiting for the escrow amount that : was incorrectly placed and never removed. I called in XX/XX/XXXX and PNC stated the issue will be r viewed internally to verify the loan document state principal and interest only. This was never done and they continue to report me as late. In XX/XX/XXXX I called again. I was given the balance of the escrow and made a payment to clear the balance. I also was told I needed to fax a letter saying the escrow was placed in error and must be removed. I faxed a letter on XX/XX/XXXX. My request was denied as " I had late payments in past. '' My payments were made on time. PNC was holding my payment because they were awaiting the escrow payment. I have tried for a year to resolve this issue to zero success. I hope the CFPB can help mediate this so PNC does not illegally report credit issues and hold payments because they have incorrectly identified a mortgage as escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AES/PHEAA
State: CA
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 am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. 

However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). 

Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. 

Thank you for your time and kind attention. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for forebarance in XX/XX/XXXX after losing my job XX/XX/XXXX. I asked the rep at the time if this would negatively impact my credit. I was told repeatedly, No. As of today, Dovenmuelhe is reporting my account 30+ days past due since XXXX. 

They gave me an email address to send proof. The email came back as undeliverable when I sent the proof. 

I've called more times than I can count, I've asked to speak with a supervisor and each time I'm told there is no supervisor avaiable, and they will have a supervisor call me back. I've NEVER received any call back. They use that as a way to get you off the phone and mislead you to think someone is going to call you back. It's just a ploy. 
I am back working again, at age XXXX, and I can not spend hours and hours on the phone with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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 status incorrect

Complaint:
I obtain a copy of my credit report from Experian and notice inaccurate and incorrect information. 
Some of my personal information is incorrect and needs to be removed. 
I have companies reporting duplicate accounts with the same information. 
I know this can be investigated

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 2019-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-02-19
Company: EQUIFAX, 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:
COMPLAINT AGAINST XXXX XXXX XXXX  XXXX I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX of XXXX my XXXX and I have been dealing with the idiots at Bayview Loan Servicing about becoming a successor of interest. In XX/XX/XXXX XXXX XXXX as a courtesy made my XXXX a successor. Bayview then hired an attorney and attached is his letter showing that I am an owner in the property which I have been claiming for months. As you can see from XXXX XXXX the XXXX at Bayview per her letter I have no interest however there own attorney disputes that finding. Close these XXXX down. Also the Consumer Finance Agency has in place laws to quickly determine successors and I do not believe that almost 20 months is quickly. Bayviews own attorney has proven our case Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, XXXX and Experian I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX ). As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX-XX/XX/XXXX ( attached statement ). The statement for XXXX.-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

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 2022-08-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Synchrony Carecredit account and was approved in XXXX of this year. I was told in all advertising and promotional materials I have received from the company that the card was accepted " at over 225,000 enrolled healthcare provider and health-focused retail locations across the country '' which why I applied for it. I just found out today, XX/XX/2020, that my card is only accepted at dental providers. I didn't know this, nor was I told this when applying for the card. This is also a complete contradiction of all promotional and advertising materials I have received and seen from the company. I am told I have to apply for another card that will function as advertised.

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 2018-07-18
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency, XXXX XXXX. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account, during the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

Company response to consumer: Closed with explanation