BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 explanation
Consumer complaint received 2019-04-06
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a loan with XXXX and was declined. My decline notice said that Clarity Services Inc, XXXX. XXXX XXXX, XXXX, FL XXXX was Unable to verify my identity. 

I was unaware that this credit reporting agency even existed, XXXX knows my identity online. I was unable to request an immediate copy of my report online and had to fax over a request. 

Why aren't people made aware of the existence of this reporting agency like the big 3 and why do they not provide online report immediate access? Now I am being impacted by not being able to obtain a loan because of this company. 

I am amazed that there would be other credit reporting agencies that consumers are not aware of that impact their livelihood until they are declined. XXXX/Clarity should know better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 Bank of America Cash Resards Visa Signature-XXXX Balance:XXXX XX/XX/2019 Bank of America Cash Rewars Visa Platinum Plus-XXXX Balance:XXXX I went to the Bank of America business hall and talked to the customer service manager. I called the service staff of the Bank of America security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the deputy general manager of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$XXXX} XXXX  and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of Bank of America, the lack of correct verification information and the closure of my credit card account.

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 2017-10-12
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called on XX/XX/XXXX from XXXX XXXX XXXX, a person claiming to be in the legal dept named XXXX XXXX. XXXX stated I owed a debt to XXXX XXXX for a credit card I opened in XX/XX/XXXX, and if I did n't pay it they would sue me for wage garnishment or put a lien on my house. She stated they mailed a settlement letter to my home, which I did not receive, I confirmed they have the right mailing address. She stated the debt first became past due in XX/XX/XXXX. I told her the statue of limitation is up and that I do not believe I owed this debt. She stated that she would send it to an attorney in my county and they would sue me the debt. When I told her I would wait to speak with my attorney, she began yelling that I owe on many credit cards and that they are all at their limit and I was going to pay the debt whether I agreed with it or now. She then hung up on me. I called back to try and reach her and ended up speaking to a woman named XXXX who rudely asked me what I wanted when I asked to speak with XXXX in the legal dept. I stated we were speaking when XXXX hung up on me and I just wanted to know why they were trying to collect on a debt that was almost 10 years old. XXXX said they acquired the debt in a federally regulated sale back before the statue of limitation was expired, and recent XXXX had done an audit and requested that ARA pursue this debt again. XXXX stated that because the debt was bought before the statue of limitations was up, they had the right to keep collecting on the debt until it was paid or they decided to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

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 2021-03-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper bank is the holder of a loan on a duplex property in pre-foreclosure status located at XXXX XXXX XXXX, XXXX, IL XXXX. The property has been vacant for going on 2 years. Mr. Cooper bank did not winterize plumbing in the property. On Sunday XX/XX/2021 the pipes froze and burst in this property flooding the home as well as my adjoining duplex located at XXXX XXXX XXXX, XXXX, IL XXXX. I have reached out to the bank several times regarding this matter and have only been able to speak with customer services representative which have been of no help. To date no water mitigation as been started at the property which Mr. Cooper bank holds the loan for property at the address of XXXX XXXX XXXX, XXXX. The lack of proper water mitigation bears serious negative effects to my adjoining unit at XXXX XXXX XXXX, XXXX. I had water mitigation begin in my property on XX/XX/2021 and my property is currently gutted due to water damage. The current estimate of damage to my adjoining property is near {$17000.00}. I had to pay the plumber on the day of the incident {$270.00} for the plumber to shut of water in the vacant unit managed by Mr. Cooper bank and I also have {$1000.00} deductible related to the insurance claim. I would appreciate any help in resolving this matter and getting in contact with the appropriate party at Mr. Cooper bank to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Everytime I try to get a credit card im never approved im asking to dispute all of my debits and try to figure out how and why I ca n't get approved for anything please help XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Southwest Credit Systems, L.P.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

SOUTHWEST CREDIT SYSTEMS Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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: Account status incorrect

Complaint:
In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a problem with late fees be assessed to XXXX XXXX XXXX through Comenity BANK. Comenity Bank had decided to Discontinue XXXX XXXX  AS OF XXXX XXXX. So, I could no longer use card. The account has been closed. I have been paying down the balance, until I finally paid off the balance. The due date every month was XXXX of each month. I made my last payment in full on XX/XX/2019 after XXXX XXXX  CST. I was then assessed a late fee of {$27.00}. I called customer service to explain and have them remove late fee as courtesy. They wouldnt do it. I ask to speak to a SUPERVISOR, she said since the account is closed, that couldnt do anything. Although, they can add late fees and interest. I was assessed {$27.00} late fee and {$2.00} interest on the late, because the balance was PAID IN FULL. I also requested my account information and could give my account number to make a complaint. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Account information incorrect

Complaint:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, Texas for a {$370.00} charge. I reached out to the alleged hospital in which they are claiming this debt it due and confirmed that there was no remaining balance and my health insurance took care of the bill for that date of service. I contacted XXXX XXXX via certified mail not once but 3 times requesting they send me validation, not verification, that this balance is in fact my responsible and from the original creditor. They had 30 days to respond with validation which they did not do so therefore they are in violation of the FTC by reporting this as a bad debt to my credit report. I demand this be removed from my credit report ASAP. This company is unethical and is reporting invalid information which is detrimental to my credit health and worthiness. If they do not remove this invalid information from my credit report, I will be seeking legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
From XX/XX/XXXX through XX/XX/XXXX, I made cash payments in the total amount of {$9100.00} for mortgage due dates : XX/XX/XXXX through XX/XX/XXXX. 

SunTrust records indicate that my mortgage account is delinquent for XXXX and XXXX, XXXX. 

XXXX XXXX of SunTrust Mortgage confirmed that my last payment on XX/XX/XXXX in the amount of XXXX was NOT applied to the principal ( see attachment ). Instead, SunTrust Mortgage misapplied my funds to a " SUSPENSE ACCOUNT '' for escrow payments. My contract does NOT include escrow payments ( see attachment ). 

I must pay XXXX 's mortgage payment soon, but SunTrust warned me that any future payments will be applied to any and all past due amounts. 

In USA, CFPB and 50 States v. SunTrust and among other civil actions, ( including 1-14-cv -- 01128-RMC ), the court has ruled in favor of the mortgagor when facts include deceptive acts and practices by the mortgagee. 
On the following dates, I spoke with SunTrust but to NO avail. 

Date SunTrust Customer Service Time Outcome XX/XX/XXXX XXXX XXXX by phone/email XXXX no response XX/XX/XXXX XXXX XXXX by phone XXXX no response XX/XX/XXXX XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response I have attached documents for your perusal. I look forward to hearing from you soon. Thank you in advance for your consideration.

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 2019-07-22
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Pressler, Felt & Warshaw threatening to take me to court regarding an alleged account in collections from XXXX XXXX XXXX. Since I use XXXX XXXX, I knew not only was there no past due account for XXXX on my account, there is NO XXXX account except for one paid in full in 2005. They also contacted my employer about garnishing my wages. They didn't even have the common sense to put the amount due on the paperwork but the closed account was only for {$200.00} anyway. 

This law firm has been sanctioned by you before ( under Pressler & Pressler ) but they have not changed their tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX charges entitled " Purchases prior to XX/XX/2019 ''. 

Alarming note that although I have other accounts with Comenity,  XXXX XXXX is the only entity collecting additional finance charges entitled " Purchases prior to XX/XX/2019 ''. 

I requested an investigation, explanation and refund for " Purchases prior to XX/XX/2019 '' finance charges covering period XXXX, without success..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX. XXXX is in bankruptcy, and my mortgage payments were set to Auto-Pay through my bank 's ( checking account ) bill pay service automatically remitted to XXXX loan account. These payments continued to be made. After return from vacation I find a statement from XXXX  in my XXXX XXXX , stating that I owe an outrageous amount for non-payment of mortgage for 3 months ( {$1300.00} ) where monthly payments with prior company XXXX were {$450.00}. I never received anything from XXXX, and I never received anything from XXXX XXXX that my account is being transferred or who to contact, where to make payment etc .... All I have is a single piece of mail from XXXX XXXX with a payment slip for {$1300.00} ( versus my monthly fixed amount {$450.00} ). 
As per my understanding of requirements during mortgage service transfer ( 12 CFR 1024.33 ) - 1 - The old company XXXX XXXX - i.e. Transferor of service ) was required to send me a Notice of Transfer no less than 30 days before effective date of the transfer of servicing of the mortgage. 
- 2 - The new company ( XXXX XXXX - i.e. Transferee of service ) shall provide the borrower notice no more than 30 days after effective date of transfer. 
- 3 - Notice of transfer shall include : ( i ) effective date of transfer ; ( ii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEREE of service so that the borrower can obtain answers related to servicing transfer ; ( iii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEROR of service so that the borrower can obtain answers related to servicing transfer ; ( iv ) date on which the TRANSFEROR will cease to accept payments and on which TRANSFEREE will begin accepting payments ; ( v ) Whether the transfer will affect terms, and any actions the borrower must take ; ( vi ) statement that the transfer of servicing does not affect any term or condition of the mortgage loan. 

NONE OF THE ABOVE 3 points and sub-points were completed by either XXXX or XXXX XXXX. All I receive is a slip to pay to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation