BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I recently received an email from Old Navy stating that my account was three months past due. This is a pretty low balance card, and the payments in the amount of $ XXXX/month had been coming out automatically every month, around XX/XX/XXXX. I did not receive a phone call, statement, or any prior communication stating that the account had fallen past due, or that the payments had stopped coming out of the account. As a result, I now have delinquent marks on my credit. None of the my other debt is past due and this has seriously impacted my score. They claim not to have my updated address ( not true ), and also claimed not to have my phone number. The information was available to them, and I 'm not sure why they 're stating it isn't/was n't. I brought my account up to date immediately and will be paying off the card next month. It 's already closed due to 'a history of serious delinquency ', which is strangely both laughable and offensive at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX  I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. 

When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. 

I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time.

My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly

concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15
Company: CORELOGIC INC
State: MD
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:
On XX/XX/2018, I applied to XXXX XXXX for an auto loan. My daughter XXXX XXXX and I applied as co-buyers and were approved for a loan for up to {$35000.00}. 

On XX/XX/XXXX, we went to XXXX XXXX to look at a car that we saw online. 

At the agency, we indicated to the selling agent, XXXX XXXX, that we already had XXXX XXXX financing approved for the vehicle. However, the salesperson indicated that they were going to try to get less expensive financing and asked us to wait until they checked. However, my daughter and I were unaware that they were doing hard credit inquiries as we waited for them to come back, but the sales person, who had our application announced that they were going back to the XXXX  XXXX offer that I brough in since they could not find a better deal for my daughter, XXXX, and we indicated that we told them that from the start -- that we already had XXXX XXXX approval for me at {$35000.00}. We purchased a XXXX XXXX from them. I am attaching the images of the agreements if you need them. 

However, several days later, my daughter, XXXX and I received credit rejection letters regarding financing for the XXXX. Recently, when I looked at my credit report, I was surprised to find two ( 2 ) hard credit inquiries. My daughter found seven ( 7 ) on her credit  report. We are complaining because we don't recall giving XXXX of XXXX any consent or authorizations to do any inquiries, especially hard inquiries, as we already had our financing available with XXXX XXXX, which we processed ourselves. 

I am attaching a copy of the screenshots of mine and my daughter 's hard inquiry information as it appears on our credit bureau 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 2019-01-09
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX  XXXX  that my account was found. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to Experian and XXXX   who refuse to remove this 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are reporting bankruptcy on my credit file. Both XXXX  and TransUnion as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both XXXX  and TransUnion proceeded to send out a letter stating Bankruptcy verified or updated letter.

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 2021-09-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent my debt to a collection agency. The agency was called " XXXX XXXX XXXX. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from XXXX XXXX XXXX XXXX XXXX. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to Diversified Adjustment XXXX, who ( Diversified Adjustment ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from Diversified Adjustment dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the Diversified Adjustment person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to XXXX, XXXX and I met their offer and timely replied. XXXX gave it back or sold it to Diversified Adjustment. I even got an email today showing a " confirmation number '' of paid in full from XXXX. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent Transunion a letter regarding unauthorized credit inquiries on my credit report via XXXX. On XXXX, XXXX XXXX, XXXX XXXX XXXX signed and received my letter regarding the inquiries. As of XXXX, XXXX XXXX, XXXX I have not received any correspondence related to my disputed and their investigation results. According the FCRA, they are required to disclose the results of their investigation within 30 days and if the item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, they are required to modify that item of information, delete that item of information or permanently block the reporting of that item of 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 explanation
Consumer complaint received 2020-01-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit report and saw two accounts that are not mine that I want removed. I am not the primary and should have not been added. I have no access to the accounts and have never had access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I keep trying to login to my TransUnion online account but the page tells me that the credit freeze is currently unknown. I called over the phone, to remove it. Over the phone the person helping said that everything was fixed. I tried to login on to re-freeze it but the website and app both said the credit freeze was once again unknown. Reading the comments from other users on the XXXX  app, other people are having the same issues. TransUnion seems to be purposely doing this so that you buy their product. They have to legally allow for the people whose credit they maintain to be frozen.

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 2021-06-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my loan with Fremont Mortgage on XX/XX/XXXX. I was approved for loan modification 2x in XXXX. I was approved for another loan modification thru Ocwen Mortgage in XX/XX/XXXX with trial payments starting in XX/XX/XXXX. After the trial payments Payments began. The loan modification shows {$52000.00} be removed from the mortgage for 3 years. Ocwen then turned over my account to PHH Mortgage Services, XXXX  XXXX NJ who then turned it over to XXXX Collector ; XXXX ; email : XXXX XXXX has added added additional money to the new modification by going back to the original loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: TX
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:
Balance of {$310.00} showing in collections is now a closed account when the balance should have never been in collections to begin with because balance was covered under federal student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Nelnet, 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: Account status incorrect

Complaint:
Nelnet XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted Nelnet XXXX XXXX  and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, Nelnet, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of

FCRA Section 623. XXXX and XXXX knowingly facilitate this. After failing to achieve effective communi
cation with my loan servicer I have also tried to have these errors corrected directly with XXXX, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The Citizens Bank charged me over {$800.00} NSF fees for XXXX and over {$900.00} NSF fee within 4 month XXXX. I have talked to them several times and they said, that could remove some of the fees, which still left me a balance around {$600.00}. I called the bank and left messages of my situation. 

I had direct deposits from my checking account to pay bills, and all of the bills was charged many fee and returned back to the credit card company. In XX/XX/XXXX I got another job. I started to get back on my feet by making arrangement with the credit cards from my Citizen Bank account. However, the company terminated my employment because of the XXXX XXXX. 

I called Citizens Bank and kept them up to-date with my situation. However, they continue charged me many fees. Last XXXX I had XXXX XXXX XXXX, and had been previously laid off from XX/XX/XXXX until XX/XX/XXXX. My account was charge a {$37.00} NSF fee each time, plus {$30.00} thereafter until the bill is paid. 

I am a senior citizen, who have filed 2 months ago for unemployment and have yet to received any money ( State office is working on it still ). All of my living situation is passed " Urgent ''. Many of my credit cards have said they can not help me. They have no assistant and have closed many of my cards. Up to this crisis, I have never had a late payment in any of my credit card, and always paid everything on time.

Company response to consumer: Closed with monetary relief