BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: HEARTLAND PAYMENT SYSTEMS INC
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:
This is pertaining to corrupt practices for Heartland ESCI. 

Dated XX/XX/XXXX ( Today ) I've always made payments by the due date or within the grace period. 

I made a payment for the month of XX/XX/XXXX with a due date on XXXX XX/XX/XXXX for an amount owed of approximately {$290.00}. I made the payment in the amount of {$310.00} on XX/XX/XXXX. 


Today I was informed by a Heartland ESCI representative that because I paid early in XX/XX/XXXX and the payment was recorded for the month of XXXX, my XXXX payment, made on XX/XX/XXXX ( which falls within the grace period of 9 days as informed by the representative ) only went towards the interest accumulated between XX/XX/XXXX and XXXX as there wasn't a payment made in the calendar days of XX/XX/XXXX ignoring my XX/XX/XXXX payment for XXXX. 


( FYI : My XXXX payment was made on XX/XX/XXXX ). 


So, because I made an early payment on XX/XX/XXXX for XXXX ( which was documented as a payment towards the XXXX billing ) I am being penalized by having my next payment goes towards the interest that accrued from XX/XX/XXXX to late XXXX as the system didn't make my payment for the interest that would have accumulated as of the XX/XX/XXXX. 

I've paid higher than the expected billing amounts the past few months, but I'm still asked to pay a lot more. 


Now I'm being asked to pay {$460.00} dollars after making my XXXX payment of approximately {$290.00} on XX/XX/XXXX which is in the grace period. I haven't been previously notified of any increases and I shouldn't see such see increases now. 

Historically my payment has been {$270.00}. 

Now with the interest of trying to preserve my credit score/history, I will have to make an extra, unnecessary payment. 

These are unfair practices. Please help or investigate Heartland ESCI consumer practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Public record information inaccurate

Complaint:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to get my free annual credit reports on XXXX  from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX report. Equifax and XXXX  'XXXX  links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both Equifax and XXXX. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRUIST FINANCIAL CORPORATION
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 have been a victim of identity theft and a Suntrust fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2019-02-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on full XX/XX/2021 Dispute filed on XX/XX/2021 and including confirmation that payment was made. 

Company did not verify accuracy of debt with original creditor and is still trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: MONEY SOURCE, INC., THE
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX and XX/XX/2018 we contacted The Money Source due to the company never applying our mortgage payment to our account. We have letters and cashed cashiers checks with dates stating they had and received the payments. The payments were never applied to our account causing in missed payments and missed payments on our credit reports. Each payment that was made with a cashiers check seemed to have an issue with the payment process. We contacted The Money Source and still have not received an email or call back regarding this issue. We were told that the issue was being looked into, but still have not heard a thing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I heard that Wells Fargo has had issues with mishandling customer 's $ through mortgages, loans, and overall savings accounts. This caused Wells Fargo to pay {$3.00} XXXX to its customers. Since I have been a customer of Wells Fargo for well over 9 years, I am afraid my account was impacted and may have had issues over the years that I was not aware about. I would like to make sure 1. I was not impacted by this issue and 2. If I was, I would like to be compensated for any amount that was missing under my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX   CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2019-11-07
Company: AES/PHEAA
State: GA
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:
I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility  regularly over the years, and that is documented in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried contacting my mortgage company loancare or XXXX services for months.Have n't been able to get in touch nobody ever answers.It shouldn't be this hard to pay my payment. I've read alot of bad reviews on this mortgage company.

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 2017-09-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian report number XXXX, dated XX/XX/17 shows a recently added collection account that is not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.

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 2018-09-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my account in full on XX/XX/2018. The amount paid was {$110.00}. I apparently did not even owe this amount. The payment was never posted and I thought I still owed a balance so I made another payment of {$25.00} on XX/XX/2018. The total balance I actually owed was {$110.00} - minus the late fee I already disputed, brought my balance to {$81.00}. I stated to them I had paid on time and my bank shows the payment was in fact processed. They reversed the late fee, and now have posted the second payment of {$25.00}, however the first payment of {$110.00} has still not been posted. I faxed and emailed the proof of payment to them. They state it is going to take up to 2 billing cycles to rectify the missing payment - in the meantime they still expect me to keep making payments. They now show my account still owes {$10.00} of a payment and the rest of the balance due. ( And the payment is late according to them. ) Due to the " late '' payment they could potentially report that to the credit company, as non-compliance. I do not wish to keep sending a payment to a company for a balance I do not owe, when in fact, they owe me. My account is now paid twice over, as the outstanding balance is only {$56.00} and I have an outstanding payment not posted for {$110.00}.

I would like to charge them interest. It seems like a fair option. They would be charging me if I had not made the payment. They charge me interest monthly, and in fact lowered my credit limit, stating that they based it on my credit history with OTHER lenders. I have a good payment history with them and pay off my bill every couple of months. I also make double payments on all my other credit cards.

I just want them to post the payment that I have proven I made. Post it in a timely manner, They have cashed the payment, and thus are collecting interest on the money I supplied to them. I want my money back, with interest. I also do not wish to wait for them to issue a refund via check when they get around to it - if they can take the payment electronically - they should be able to refund my over-payment in the same method,

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 2020-09-09
Company: Experian Information Solutions Inc.
State: OR
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:
After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was  over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my XXXX kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from XXXX didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts XXXX decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why XXXX would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am XXXX. This is how XXXX handles consumer issues by causing consumer harm? I have no where to move my children to - XXXX incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead XXXX has taken a single mom and made her XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started speaking with the company early XXXX XXXX XXXX, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get PMI removed. I have emailed ( 3 times ) and written the loan servicer as is required. I have yet to receive a response. It has been 2 months.

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 2020-05-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as American Express and XXXX XXXX XXXX, XXXX. I am writing you for assisting having American Express 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an American Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie American Express trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing American Express that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named XXXX. I have attached XXXX XXXX XXXX ', XXXX, XXXX 's, and American Express 's contact information with this letter. I ask for your help addressing this matter with American Express, XXXX XXXX XXXX, XXXX, and XXXX, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: TX
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 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 has violated my rights. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.

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