BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I receive continual notices regarding both loans I have with this company. In short, the notices claim the company has not received my insurance information. They have been provided with this information many times ; however, it takes about an hour to reach a person to speak with and even then, they will not discuss the problem over the phone. All of my insurance is current. During my discussions with a representative, it appears their system was recently changed, and they are having trouble keeping track of records on their end. Regardless, I feel I am being harassed/threatened by this company because either their system is flawed or they are unwilling to do their due diligence to ensure their system is correct.

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 2018-01-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo never sent any information validating this debt despite my identity being stolen and after informing the company of that information. I received harassing calls for months, and no one was willing to assist with any resolution. Wells Fargo has sold this account to another lender without informing me or my permission. It is also now 7 years of this debt. North Carolina sets the statute of limitations on credit card debts for 3 years.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX informed me my payment would NOT be late, yet put a mark on my credit report ( dropping my score XXXX points! ) that it was 30 days late. I have been calling XXXX everyday, and no one is helping me or taking any accountability for the rep who misinformed me on the phone when I asked for an extension. I was told if I paid by XX/XX/XXXX, my account would be fine. I paid on XX/XX/XXXX. There is absolutely no reason anything should be late, and I need the XXXX late payment removed immediately from my credit report.

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 2021-08-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but XXXX and Transunion show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history TransUnion and XXXX shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on Transunion and XXXX, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has placed a collection account on Transunion report for XXXX, for what I have no clue. I disputed it with XXXX and XXXX emailed me to apologize. I sent the deleted record to Transunion and instead of deleting Transunion updated the item to stay on my report until XX/XX/XXXX! This is not my bill! SEE BELOW 

On Tue, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX XXXX:
 
Your inquiry filed with the Better Business Bureau was forwarded to XXXX Executive & Regulatory Services, and I have been asked to address your account in collections issue. Please accept my apology for any inconvenience you may have experienced. the item has been deleted.
 
Unfortunately, I was unable to reach you at (XXXX) XXXX; however, I look forward to speaking with you to discuss this matter in detail.
At your earliest convenience, please contact me toll-free at, XXXX, ext. XXXX. I am available Monday Tuesday, Thursday and  Friday; between XXXX XXXX and XXXX XXXX Central Time. Please reference case XXXX.
Sincerely,
 
XXXX XXXX
Executive Analyst| Executive & Regulatory Services

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 2017-07-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my first and second mortgage, which included money for payment on my Auto loan, credit card and student loan. I received checks for each pay off made out to each lending institution. All were accepted and the respective loan payed off, except the one to Navient. They keep rejecting the check saying that the bank account is invalid.I have attempted to pay them at least 4 times now. Each time they tell me that the bank account is not valid. I now have late payments listed on my account because they wo n't accept the pay off. If the account number for the bank is not valid, why did n't the other lending institutions have difficulties?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Unfortunately this is part 2 of my complaint, the first complaint on XXXX was due to unethical business tactics, lieing to the XXXX program, by claiming I had agreed to a loan modification, which wasn't true. Loancare/Lakeview have yet to reply directly to me in reference to that complain. Instead they decided to retaliate. I was placed back on the forbearence plan, after loancare 's first attempt at foreclosure. I am not due to make a payment until XX/XX/XXXX. Why is that my house is again up for preforclosure with no notice, or warning and only 2 days from now? Retaliation for the first complaint. Is that not illegal? For sure it shows a trend of abusing their position in the financial industry. My sister is XXXX of the XXXX XXXX in the jurisdiction she lives in and I am aware that this doesn't fall under her responsibilities, but I don't have many options and will need help from her contacts. Is that unethical? The last thing I want to do is emulate the behavior of loancare. Incidentally when I went through the modification documents, the modification was over a XXXX dollars MORE than it was before this modification. To summarize Loancare was not happy that I had chosen, the program that would put me up to date on my mortgage, giving me not only peace of mind, but some wiggle room. While loancare thought a modification that increased my monthly payment. It was a no brainer. How was I supposed to respond? Oh sure lets go ahead and keep me struggling to make my payments??? I am devastated over this situation. I'm having nightmares over being alone in the middle of nowhere, with nothing no supplies, no food or shelter. I had no idea that this kind of behavior was even possible from a mortgage company. Had I known that the end game was a financial company that obviously thinks I'm to stupid to understand whats happening. I know their role is to lend money and their bread and butter is interest rates. I never would have believed that this kind of tactic would even be considered, much less be implemented into a companies atmosphere. 
As for a fair resolution, that has already been taken from me. I have absolutely no trust at all in this company, I do not see them being fare about anything. The only thing I can see is that Loancare thinks they are above the Treasury, the arizona governor and the protection laws that are in place in regard to forclosure and homelessness prevention. Based on this situation, this company will honor nothing, It's an obvious trend in this companies environment and when it gets to be this blatantly prominent theres nothing left.

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 2018-01-03
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
State: IL
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:
TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.

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 2019-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS Portfolio Recovery Associates LLC case # : XXXXand filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}

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 2022-02-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
Purchased a car from a dealership in 2015. I voluntary surrendered the car because I was sold a lemon ( a bad car ). It started having problems immediately after purchase. The car dealership has since closed down ( no longer in service ). I can not speak to someone at the dealership about this. However, the loan was with the company XXXX XXXX. XXXX XXXX will not remove the file off my credit report. I have spoken to someone from XXXX XXXX a few months ago and offered to settle the debt if they delete the file from my credit report. XXXX XXXX refused the offer. They also mentioned that the car was sold at auction. I do not feel I should be responsible for the car loan anymore. Because the credit company ( XXXX XXXX ), sold the car at auction, and because the dealership where the car was purchased has since shut down, and because XXXX XXXX refused a settlement on a car that had bad mechanical issues and on something that they resold. I have had this following me on my credit report since 2015. And have attempted various methods to get the company to remove the 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 2021-01-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened my account XX/XX/2020 and instructed the lady at the branch to use a promo code for a new account promo bonus. " SunTrust is offering a bonus of {$200.00} when you open a business checking account and complete the following requirements : Make cumulative qualifying deposits of {$1500.00} or more ''. I opened the business account for this Suntrust account. I was forced to do it in branch and the lady said she applied the code. Her name is XXXX and her email is XXXX so you can get in contact. She works at XXXX XXXX XXXX XXXX XXXX The requirements for the {$200.00} bonus is deposit {$1500.00} in cumulative deposits in the first 30 days. I completed the requirements and it is showing nothing on my promos the last on the phone said and the box is not checked for the promo code. Q4 2020 Small Business Checking Reward is the bonus that was suppose to be loaded into my account but never was. The lady XXXX said I don't qualify for the bonus because I took the money out but that is not what the terms states. What the promotion states is that the deposit can not be made using a debit card credit and the account must maintain a {$0.00} balance until the rewards are credited. 
I made the deposit and still never received the bonus. I tried to get in contact with customer service and a manager but was never helped so I am taking it to the CFPB.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: IL
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:
CRA is erroneously reporting several items on my credit report 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 2019-07-31
Company: EQUIFAX, INC.
State: IL
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:
CRA is erroneously reporting several items on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation