BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing 31-60 days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.15 U.S.C. 1681. And they are violating 623 section 3 and 8. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SUNTRUST BANKS, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a contractor replace our roof & gutters due to hail around XX/XX/18. XXXX XXXX XXXX paid via check but Sun Trust Bank ( who our Mortgage is through ) needed to endorse it. I mailed Sun Trust the check on XX/XX/XXXX and we still dont have it back ( today is XX/XX/XXXX ). They are giving us the run around and we have done and provided everything theyve asked for. The money was due so we had to pay the contractor out of pocket {$8000.00}. Sun Trust needs to give us our endorsed check. They are horrible to work with and Ive called them daily. They wont return calls. Each rep tells me something different. Please help. Thanks.

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 2018-11-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unverified information reporting incorrectly {$1000.00} for inaccurate report of miss information on my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: SYNCHRONY FINANCIAL
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:
I have a hard inquiry from Synchrony/PPC on my credit report dated XX/XX/18. I did not do anything to warrant this inquiry. I have not applied for any credit or loans, or even credit increases. I contacted both Synchrony Bank and Paypal Credit, and they both indicated that they do not have any evidence of any attempt to do so. They did not help me in getting the inquiry off my report though.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
A Capital One credit card was removed from my house by a grandchild and used at a strip club then returned. Capital One maintains that since the card was used in person it is not fraud. They refuse to reverse the charges of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXXXXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXXT is fraudulent on my credit Acct # XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX on my credit Acct # XXXX is fraud.

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 2020-08-20
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: Information belongs to someone else

Complaint:
I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud

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 2018-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I live with my wife XXXX at XXXX XXXX  XXXX XXXX XXXX MA. Our income was affected by COVID-19 and we apply for mortgage assistance with servicer of our first mortgage Specialize Loan Servicing ( SLS ) on XX/XX/XXXX. We request postponing of mortgage payments for 12 months supplying SLS with all required documents. At some point SLS deactivate the file claiming that some document were not received on time. Eventually the file was reactivated and on XX/XX/XXXX per SLS request, new ( or same ) documents with dates and signature were provided. In subsequent phone call to SLS on XX/XX/XXXX ( speaking with XXXX ) XXXX ( speaking with XXXX and XXXX ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX speaking with no name given ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX ( peaking with XXXX ) and XX/XX/XXXX ( speaking with male -no name given ) it became clear that SLS process is slow and inefficient, different reps see different outstanding items and not willing to assist effectively. SLS allegedly have documents with missing signatures or missing dates. We supplied thise documents several times to no avail. They were all submitted on XX/XX/XXXX, XXXX XXXX XXXX and again on XX/XX/XXXX, almost two months after initial application. It seems that SLs is not willing to be of any help and move this process swiftly requesting same documents postponing this deferment of the mortgage payments. 

We feel hapless dealing with SLS as the process goes in circles.

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 2019-09-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened this account in XX/XX/XXXX ( I think ) to allow me to make payments on a new furnace / air conditioner for my home. My old furnace did not work anymore. I went to a local HVAC dealer / installer and they presented me with 2 financing options through Synchrony Bank. One option had a low interest rate for however long the balance was unpaid, the other option offered a promotional 18 months 0 % interest but would jump to 25 % interest after the promotional period ended. I chose the promotional option and opened the account with a balance due of {$6700.00}. 

What was not explained to me is that at the end of the promotional period if the balance was not paid in full, interest from the inception of the account at the rate of 25 % would then be added to my account in one lump sum and then I would also be charged 25 % interest going forward. 

I missed my payment for XX/XX/XXXX. I logged into my account to make a payment on XX/XX/XXXX and found that {$2800.00} was added to my account as one lump sum in XX/XX/XXXX. My previous balance was {$3600.00}. Now due to the lump sum interest and 25 % interest on my balance since that time, I now owe {$6600.00}. 

I called Synchrony in the evening of XX/XX/XXXX to explain my issue and to see if anything could be done to reduce the lump sum interest charge of {$2800.00}. The representative stated the only thing she could do is take notes and submit to someone else for review. In a nutshell, she stated I signed the papers so I should have known. 

I need help with this. All the payments that I made since my account opened in XX/XX/XXXX are now gone. I can not afford to throw all of that money away.

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 2018-02-21
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied 6 loans with Franklin American Mortgage Company. 

The lender approved the loan. They asked me to submitted additional documents. I submitted everything and cleared all conditions they asked for. All conditions were cleared. They also even allowed us to proceed to input fees to order final loan documents. 

All of sudden, they denied all 6 loans WITHOUT ANY REASON. We were asking for the real reason and they did not tell us. Even their employee ( account executive ) did not know the reason. 

They did not send me the lender with the reason they denied the loan. When my broker asked, they send me a letter with the reason as " Unverifiable Information ''. This is NOT correct as I provide them all information they ask for. 

After many times begging Franklin to give my broker the real reason the loans were denied, they still did not provide the real reason. The only reason provided through the Account Executive ( XXXX XXXX ) was that borrower failed to disclose properties. This was not true because we did provide all properties as soon as lender asked for. Not until XX/XX/2018 ( after I pressed for the true and honest reason ) that Franklin American told me about the exception ( that they only allow up to 4 properties and if more than 4 properties, exception is needed ). Why Franklin did not tell us upfront the real reason? They did even cleared this exception conditions in their website. And if the exception of 6 properties was the real reason, why didn't they deny two loans and still allow me to proceed with 4 loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current servicer is force placing insurance for a structure located on my property that has been destroyed by Hurricane Irma and no longer exists. 

Before the storm there were two structures on the property. Full Insurance coverage has remained in place for the remaining structure. 

I have sent the required documentation multiple times that the property no longer exists in order for them to cancel the forced placed insurance. Even though they have cancelled the policy several times once they receive my documents they continue to do it again the following month and I have to repeat the process all over again. They have cancelled the forced placed coverage several times this year alone and put in writing acknowledging their error and that they are aware there is no longer a structure yet every month I get a new forced placed insurance policy. 

This is so ridiculous to have to prove every single month that they there is no structure and it has caused me distress and so much time to stop them from doing this every single month. It is blatant disregard and it should not be allowed. It has caused me emotional distress and I am worried the lender is trying to charge me for something I do not owe. Please make them stop. I have tried everything! I am uploading all of the forced placed notices along with correspondence stating they are cancelling the coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One Bank Change my payment date from the XXXX XXXX of the month to the XXXX of the month I called them back in XXXX and was spoke to them and explain to them I wanted to keep my same date in which they told me they system updated and my new date is on the XXXX now. then we discussed putting it back to the XXXX and the customer service person got me a supervisor in which she stated it could be on the XXXX of the month. Have called back they claim I did not talk to no one. I called Capital One Bank 2 times was on the phone for over 35 minutes with this issue and called a second time same thing longer conversation. Also was told back in XXXX I would receive a letter as proof both times and have not received no such letter of the payment being on the XXXX XXXX of the month I also have my printed out phone bill showing the length of the said phone call. I also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Atlantic Credit & Finance, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 at XXXX XXXX EDT, I received a phone call from XXXX with Atlantic Credit & Finance. When I picked up the phone she said " XXXX? '' and I said " yes? '' At this point she proceeds to say she is with Atlantic Credit & Finance and that they have purchased my XXXX Credit Card account and gives me the balance due. She does not verify my DOB, last four of my SSN, or even say my last name. At this point I explained to her that she has violated the FDCPA by failing to confirm my identity and could've just committed a third-party disclosure. She said that she didn't do that and she doesn't have to confirm my identity. At this time I told her I have an attorney and she should know that because XXXX was aware of it prior to selling the debt to Atlantic and that it's probably in their file. She wanted the attorney 's information to continue collection efforts. At this time I told her she is to cease and desist all contact with me and that I will not be providing her with my attorney 's information based on her inability to verify my identity prior to disclosing the debt 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 non-monetary relief
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit reporting company Equifax has been wrongly reporting my name. 

They are reporting XXXX XXXX and XXXX XXXX instead of XXXX XXXX. 

I have already brought this issue with XXXX  but has not heard from them since more than a month. 

Also I am not able to get online on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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:
My husband and I had to do a loan modification with XXXX XXXX in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Nelnet, Inc.
State: OR
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:
My student loan servicer, Great Lakes, does not allow me the choice to pay off each student loan that was issued to me, which unfairly denies me the ability to pay off student loans that are a higher interest rate. I want to payoff several of my low balance student loans, and also strategically pay down my mid-larger balance student loan based on interest rate, but Great Lakes online does not allow me to choose which student loan to apply my payment towards. Great Lakes does not allow me to select each student loan to pay, or allow me to pay more on select student loan I choose based on interest rate. Even after my obligated monthly payments are made and satisfied for all student loans in a month, Great Lakes still does not allow me to calculate and pay off any of my student loans individually that are a low balance or higher interest rate. Great Lakes has a scheme in place that is perpetually keeping me in debt instead of allowing me the option to pay off each of my student loan debts in manageable and smart ways online. This Great Lakes scheme is exploiting me so they can get maximum interest and is making it extremely difficult to pay off each of my balances that can be manageable to payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown medical charge, I have disputed with no validation being received. Please help

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 2018-05-18
Company: MOHELA
State: NJ
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:
Mohela DE posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay Mohela for student Loan, she asked me for my birth date. I said I don't have any account with Mohela I never signed any application form for student loan with Mohela. Please, send me the application form that I signed for Student Loan with Mohela.

The second time, I spoke with XXXX from Mohela. XXXX asked to send my signature to Mohela. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature.

After receiving those copies, Mohela told me they need a more recent copy. I said I do not have recent copy.

Despite my effort, Mohela is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year this time I hired an agent to short sell my home. I have had two buyers who back out. The last buyer backed out XX/XX/XXXX. The sell was scheduled for XX/XX/XXXX, however my agent was able to get the sale date moved until XX/XX/XXXX. In meantime I received another offer with was submitted XX/XX/XXXX, 30 days before the sale date. I received a letter from the bank acknowledging the receipt of the office XX/XX/XXXX. After some time my agent called the mortgage company she was told that I didn't qualify for a short sale because I hadn't submitted an offer beforeXX/XX/XXXXXXXX she was told I was sent a letter explaining ( first I never received any letter from them ) and my only option was cash for keys. 

After much going back and forth through agent and me even calling it seems that someone made a mistake at the company. The mortgage company needed some additional information that was sent to them however they keep saying the reason they denied it was because of the extra paperwork was not given to them. 

Unfortunately I don't have copies of calls, however they are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation