BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay

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 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made the payment to Capital One on XXXX the XXXX from my bank account and it was applied on XXXX the XXXX and I was charged a late fee of {$38.00} on XX/XX/XXXX. The fee was reversed as I called an complained as I am never late. I attempted to make a payment today XX/XX/19 and was advised that the payment was {$130.00} as opposed to the {$94.00} that should the payment since there was a credit of {$38.00}. Instead I was advised that the payment could not be lowered since the cycle had passed and the statement went out already after the credit for the late fee. This sound crazy as XXXX and makes no sense. The payment should not be increased by the {$38.00} if the fee was reversed no matter if the billing cycle has passed or not. This is absurd, interest can't and should not be charged on the balanced based on the late fee, so why would my payment be based on the reversed late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX after few attempts to collect the debt sold my account for pennies of the dollars to Midlan Credit Management Inc with a balance of XXXX ( my debt is with XXXX XXXX XXXX. Not with Midlan credit ( never signed any legal document with XXXX XXXX management now the want to make profit which i think is a reap off to working people .They are even pursuing legal action against me .Even tho you decided to pay the debt will stay in your credits records for up to 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CORELOGIC 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:
account was paid and still shows a charge off status please invesigate and remove 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX XXXX XXXX that I do not recognize. XXXX XXXX XXXX has been contacted and told to remove this hard inquiry form my credit report as inquiries are hindering factors in some cases when you are trying to obtain credit. FTC report was filed for my protection.

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 2022-04-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i tried to dispute the debit but i got no where i need your help to contact midland credit management to wipe my debit clean iam too poor to pay this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 I received a debt letter from Convergent Outsourcing. The creditor was XXXX and the client account # XXXX. I called XXXX and asked them to find more information about this debt because I've never had an account with them. They told me that I needed to give them my social to find my information. I was not okay with that because I know they don't have this information on file because I never had an account with them. I gave them the client Account # above. 

They send me monthly letters telling them they will take payments. I need them to stop. They are not reporting to any credit agency, but I do not owe them this debt and want them to stop mailing me that I do.

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 2019-08-14
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX  XXXX, I called mortgage servicer New Rez to inquire about removing the PMI from our mortgage. The rep that I spoke to at that point said that we didn't need to do an appraisal or anything and she would submit the request and it would be removed. I knew that was wrong so called back in a few days and was told yes in fact there would need to be an appraisal and that the previous rep no longer works there. Anyway, we finally decided to go through with the process in XX/XX/XXXX, and were informed that since the our mortgage is with XXXX, we can just do a BPO instead of a full appraisal. We sent in the check for $XXXX with the memo line note as instructed for the BPO payment. The check was cashed on XX/XX/XXXX. It was applied incorrectly to a principal payment - we noticed that when we received our monthly statement - even though there was the note (as instructed) that the $150 check was for a BPO payment. I called on XX/XX/XXXX and was assured that the payment had been reversed and it was sent to the correct department for the BPO to be ordered and that someone should be in contact with me to schedule. No one called to schedule, so I called again on XX/XX/XXXX and was told they would "escalate" the issue and make sure someone gets in touch. Called again XXXX and was told the 2 people I spoke to on XX/XX/XXXX and XX/XX/XXXX in fact did nothing, but this time she would "make sure" that it was done correctly and someone would call within 3-5 business days to schedule an appointment for the BPO. Few more days went by, I called again on XX/XX/XXXX and received the same message; they can "submit a request and escalate the issue". On XXXX, the rep advised me to allow until the following Wednesday XX/XX/XXXX to allow for some processing time. I called today XX/XX/XXXX and still no updates. The "customer service" reps are not at all helpful - all of the actual work is done by the "loan servicing" dept who only correspond by email or fax. Multiple times I've asked for a supervisor and been told they are all in a "meeting" and they could call me back (they didn't), From the terrible wrong information at the beginning, to the check being misapplied, to the lack of any sort of helpful updates or information, this has been a total and utter disaster of a process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/XXXX Equifax is showing on the XXXX XXXX account that I am making {$39.00} payments on this account from XXXX to XXXX. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT PERIOD! THIS IS FRAUDELENT REPORTING TO THE CREDIT BUREAU! 

In addition, the balance is stating XXXX from XXXX to XXXX. If any payments were made why wouldn't the balance be lower? This balance has remained the same for the last 4 years! 

Equifax says is account was opened since XX/XX/XXXX. THAT IS 7 YEARS AND NINE MONTHS! WHY ARE YOU STILL REPORTING THIS ACCOUNT AFTER 7 YEARS! 

THIS CREDITOR IS FRAUDELENT AND EQUIFAX IS FRAUDELENT REPORTING THIS ACCOUNT WITH FALSE INFORMATION. 

EQUIFAX IS TO PROVIDE PROOF THAT XXXX A MONTH PAYMENTS WERE MADE ON THIS ACCOUNT FROM XXXX TO XXXX. 

IN ADDITION, PROOFING THIS IS MY ACCOUNT, AND PROOFING THE BALANCE. 

EQUIFAX IS PAST THE 7 YEAR MARK AND IT IS STILL SHOWING THIS FRAUD ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Navient Solutions, LLC.
State: IL
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:
1 ) Before I went into repayment, I made a payment online ( {$2100.00} on XXXX/XXXX/XXXX ) and designated it go towards the 2 loans with the highest interest rate. The next month I checked and the loans still showed 'active ' but the payment was received. A month after that, I checked again and saw the funds were NOT applied to the loans designated for the money to go towards, but the entire balance. I DO have a screen shot of my payment and the loans it was designated towards as well as the confirmation number. I called Navient and they said someone would call me back regarding this matter, and as of 4 weeks later, nobody has contacted me. Navient purposely makes it hard to repay your loans, because if I pay the highest interest first, they do not make as much money. I will share any correspondence that I have an am interested in joining any lawsuit against them that pertains to misappropriation of payments made. 

2 ) Became unemployed XXXX/XXXX/XXXX and was told I was approved for deferment, received a letter and an email. I received a bill in the mail with a balance due, so I called and was told that I was on deferment, and that I needed to do nothing. I then have been receiving calls, and when I called back I was told that I need to provide proof of unemployment. I have been out of work for 3 months, and have been accruing fees because of non payment. Online, 2 loans show they are past due and need payment, and the rest are " payment due '' but have not been placed on deferment or forbearance. I was not told that I had to upload any documents, but when I called she let me know. Today I uploaded the UI document, and received a pop up message that my account will be updated in 10 days. I will wait and see, I guess. 

Navient needs to be held accountable for their illegal actions. Had I not checked or had a screen shot of my payment showing the loans I designated for payment, they would get away with it. This probably happens more often than not, and with the current financial aid repayment climate, this needs to be stopped immediately. The 6.8 % loans that I paid off would have an impact on the total that I would pay off in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/19 - I noticed that there was a double charge on my account from a merchant ( when I only made 1 ), logged into my account on Barclays ' website and there were some strange messages of account past due when I had paid my latest statement in full. I called Barclays and spoke to an agent about both things and was told that I did not make any transactions between the dates XXXX-XXXX when I obviously have and was calling about them and was told that the website is working accurately. Agent refused to recognize the evidence of contrary. Agent told me his name was " XXXX '' and employee ID was XXXX. Recognizing that I wasn't getting the help I needed, I specifically asked the Agent to note my account of what he told me and ended the call. 
XX/XX/19 - I called again, I mentioned the experience that I had on the call on previous day and was met with apathy and told me there were no notes on my account. Website info is now correct, so I asked about the double charge. Agent told me that it would be credited back to me. I asked agent to note the account. 
XX/XX/19 - I noticed that I had received a credit of {$0.00} ( yes XXXX XXXX ) instead of the amount promised to me by the agent I spoke to. The agent I got this time said again there is no note on the account and when I lament my trouble, did not acknowledge them and wanted to transfer me. The transferred agent ( 2nd one on this call ) was also of no help and had to transfer me again. The 3rd agent ( id : XXXX ) I spoke to again said no note was taken but she would address the issue, so I have not seen any resolution nor do I now have any confidence that it will be fixed. 

All in all I spent hours on these calls ( including holds and IVR routing ), spoke to 5 agents, and was agitated with my experience.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: RI
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 recently had Experian block some fraudulent information on my report as I am a victim of ID theft. They did this promptly and I am very impressed at how they handled it. However, I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and state there is a delinquent account. When I try to drill down into the account on my Experian creditworks there is no account there. I think that some of the blocked information is still effecting some versions of my FICO score. I have attached the screen shots so this makes more sense. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and bankcard 8 are above 750. 
I think this is because one of the accounts I had blocked was a fraudulent collection account, however it reported as a charge off collection EVERY month. ( if that makes sense ).

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 2019-08-14
Company: EQUIFAX, INC.
State: RI
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 the victim of ID theft and have had nothing but problems with equifax and no other bureaus. Recently I can not even use my lock and alert account but that is in another complaint. I sent equifax my ID theft affidavit and police report and letter and Id 's to block fraudulent information on my report which they finally did to two of the accounts. However one account remains. This account is ridiculous and I have disputed it at least 15 times over the past few months. Every time it comes back with different late payment amounts, account status from charge off to paid, 15 missed payments to 19 then back to 0. Not  only are they obviously reporting incorrect information, the information is not even mine!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just purchased my home on XX/XX/XXXX with XXXX XXXX XXXX and it was soon after transferred to Lakeview Loan Servicing. In my contract with XXXX   XXXX, I had a grace period of the XXXX of each month with no penalties during the grace period. Additionally, there late fee after the XXXX was not stated to be {$60.00}. However, with Lakeview Loan Servicing, there is a fee of $ XXXX- {$15.00} if payments are made during the grace period and not by the XXXX of each month. I do not believe this is acceptable. I did not ask for Lakeview to Service my loan and I find it quite deceitful and unethical to be charged during a grace period. The first time of making my mortgage payment was to Lakeview Loan servicing, which I paid on XX/XX/XXXX, I was not charged a late fee. Why now, but most importantly, why at all. I would like for my original mortgage contract to be honored. Additionally I have filed a complaint with FDIC as no customer should have to experience this type of unethical practice, especially from a mortgage company that they did not chose to have their loan through. 

Thank you.

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