BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC is currently trying to collect on a debt that they have not and can not verify as my actual debt they took me to court and then stated that they couldnt verify it and would throw it out and that they would send papers allowing me to sign, i never received the paperwork and the information is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: U.S. BANCORP
State: GA
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:
On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.

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 2023-01-28
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CBC Companies, Inc.
State: OK
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:
XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First incident was when I received a charge for a service I was not enrolled in on. I reached out to the fraud department and showed evidence showing that my current account with the same company wasnt responsible for the charge but they still ruled the charge my fault on XX/XX/05. Im also experiencing issues with receiving money back from merchants such as refunds and from pending charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I lost my job due to the Corona Virus Pandemic then broke my XXXX and had an issue with the XXXX and am going through intense Physical Therapy because I can not use my XXXX XXXX. I am right handed and am a XXXX XXXX/ XXXX XXXX/XXXX person and can not find work. This student loan company has been attempting to collect against me since the very beginning of the pandemic. I have told them repeatedly that I have no income yet they have not followed the governments rules since day one of the Pandemic XXXX keep adding interest every month to my loan and will not give me any more forbearance 's due to lack of any income. I am XXXX years old I am on food stamps and barely making it. My parents pay for my electric and cable bill and water bill because I have no income coming in yet they insist I make income based payments with no income coming in.On top of this the school was sued by many students back in the XXXX XXXX when I was a student there but I was to young to sue them. They closed up because of lawsuits because of illegal practices with student loans so I feel like I should not even owe this loan. I can not afford an attorney and need help please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is using an automatic system E-ocasr or equivalent to verify inaccurate information on my credit report, Experian is reporting 2 separate Closed accounts with {$0.00} credit limits and inaccurate payment history. 

One XXXX card Experian is reporting a balance of {$4400.00} with a credit limit of {$0.00} with a past due amount of {$1800.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting the second XXXX card Experian is reporting a balance of {$1300.00} with a credit limit of {$0.00} with a past due amount of {$1200.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting XXXX  and XXXX  are reporting no such accounts on my credit 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 explanation
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently sent XXXX and equifax several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX and equifax asking them to take it off my credit report. XXXX took XXXX off with no problem but equifax and XXXX will not take that corrupt overcharging company off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. 
XXXX No longer has the debt as I contacted the Federal Trade Commission because I received charges for something I didnt do. They no longer have the debt as they returned it to XXXX who no longer has records of the account but DCI refuses to send me a letter, email or fax to confirm that they no longer have the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: DE
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:
XXXX Hello XXXX professional, This is the XXXX time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my XXXX kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, DE XXXX, or XXXX XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( XXXX : NOT REPORTED, XXXX : Last Payment XX/XX/XXXX, Equifax : Last payment XX/XX/XXXX ) XXXX XXXX ( XXXX [ NOT REPORTED ], XXXX Balance = {$11000.00}, Equifax XXXX = {$11000.00} ) XXXX XXXX XXXX XXXX  XXXX ( XXXX : Last payment XX/XX/XXXX, XXXX Last payment XX/XX/XXXX, Equifax [ NOT REPORTED ] )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I took out a loan with trust for {$2000.00} with the agreed amount to be paid back would be {$2600.00} if paid back on XX/XX/XXXX ( please keep in mind I have borrowed from blue trust loans before many times and have never missed a payment and paid the loans off quickly. ) On XX/XX/XXXX I paid {$730.00} on the loan and then asked if I pay the loan off on XX/XX/XXXX how much will I have to pay I was told {$1900.00}. On XX/XX/XXXX I called and was told I would have to pay {$2600.00} to pay the the loan off in full, I proceeded to ask why is there a {$700.00} fee after I just made a payment they said the loan increased by the day I proceeded to say that this not right and asked for a supervisor the guy then preceeded to tell me I just didn't understand was put on hold so he could get one, I hung up the phone after waiting for a while with no answer.

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 2021-05-06
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDIT MANAGEMENT LP has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX  and XXXX  that do not belong to me with a past due balance of {$370.00}. 

i have never done business with CREDIT MANAGEMENT LP or any one they are collecting for, i have never signed documents, contracts or any agreements with CREDIT MANAGEMENT LP, i have provided this company with my social security number, private address or any personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number XXXX and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, XXXX XXXX in XXXX XXXX compliance department have have received no call back from multiple voice messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while Equifax & XXXX  isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & Equifax has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. Equifax doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I used my American Express card at XXXX XXXX XXXX in XXXX, WA. XXXX XXXX XXXX charges a {$0.00} fee on all credit card transactions. The restaurant does not disclose this fee before charging the customer. There is no written notice anywhere in the restaurant and no verbal notice. I asked for a refund of this fee but it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. OnXX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX XXXX XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/2019 I mailed a validation of debt and cease and desist all phone calls letter. The letter was received by XXXX on XXXX, XXXX I am still receiving phone calls from the collector

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 2020-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, This is a continuation from several previous complaints, most recent was XXXX. 
We are now still waiting for a financial breakdown as to a HUD modification that was added to my loan, the amount of the loan exceeded the amount of the 3 forbearance payments, and no one to date has been able to tell me why, nor did they follow up as I was promised with these answers. 
More importantly, we are now in the process of completing a refi with Wells Fargo, and I have just been told by XXXX XXXX, Wells Fargo Home Mortgage Consultant, XXXX ID XXXX, that my refi can not be approved because of the HUD Modification that Wells Fargo attached to my mortgage. I was also told that this Modification was the first he had seen, and that normally the 3 forbearance payments were moved to the back of the loan. I was also told that I should have been given the option to move the payments, and not add a modification to my loan. 
I was told in XXXX when Wells automatically enrolled me in the cares forbearance program that the payments were simply moved to the back end of the loan, with no fee 's, or penalties. 
I would like this HUD modification removed from my loan, and Wells Fargo to adhere to the program as it was stated to me, and move the payments to the back end of my loan, and the right to complete my refi.

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 2020-05-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient claims in a letter dated XX/XX/XXXX that they may be able to postpone my payments if I am experiencing economic hardship. This letter also states that they are not updating the historical payment record with the credit bureaus as their position is that they did not receive payments during the months reported as past due. 

First of all, this letter I never received by mail, nor was it uploaded in the digital mailbox in the website. If it were not for the previous complaint and the company 's response including a pdf of this letter, I would not have had this reference. 
Second, had I not been steered to a repayment plan that does not address my financial needs my payments would have been postponed for up to a year ( not 60 days ). 

It is extremely discouraging and frustrating that even after my first formal complaint when I call with questions about repayment options I continue to be misinformed and steered towards a option that does not help me, but rather causes harm. As a XXXX person, I try my best to simplify transactions so as to keep me in good standing. I would not have missed any payment had the payments been postponed under a program that I so clearly qualified for and should have been given the option to over the phone. 

I can not begin to list the ways the negative reporting has and continues to affect me. Simply saying that this has been addressed and providing a copy of a letter never mailed is not a tangible solution. 
A true and meaningful way for Navient to solve this is to reach out to me via phone or email and ask me about my financial situation and correct the negative reporting. As early a XX/XX/XXXX I would have been approved for a 12 month payment suspension and clearly this would still be effective today. My XXXX benefits continue to be my only source of income since XXXX of XXXX. It does not make any sense that I would miss a payment or payments without first addressing Navient about my financial information and XXXX  XXXX/XXXX  XXXX.

Company response to consumer: Closed with explanation