BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: CA
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/XXXX I received a response from the 3 reporting credit bureau 's Equifax, XXXX, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC BANK keeps playing hard-ball with a refund owed to me. PNC BANK had me submit over 3 times a dispute against XXXX TV Screaming TO THEN BLOCK MY DEBIT CARD WHEN THE VENDOR ~ XXXX TV ATTEMPTED TO REFUND ME {$130.00}. FURTHERMORE, On XX/XX/2021 at XXXX XXXX  ( REFERENCE CONFIRMATION CALL # XXXX ) a lady by the name of XXXX, OF THE XXXX LOYALTY DEPT., ATTEMPTED TO REFUND MY REFUND AND SHE TOLD ME SINCE XX/XX/2021 & PRIOR THEY TRIED TO REFUND ME FOR ALL THE GLITCHES WITH STREAMING TV, BUT PNC HAS HAD THE PLEASURE TO BLOCK MY REFUND. PNC ACTS LIKE THE MONEY IS COMING OUT OF THEIR VAULT. XXXX TV HANDS ARE TIED REFUNDING ME SINCE BEING BANK IS BEING UNETHICAL & UNPROFESSIONAL WITH THEIR LAME EXCUSES THAT THEY ARE IN THE RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Dept of Ed/Nenlet. Dept of Ed/Nenlet has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Dept of Ed/Nenlet. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX  bank ) and they continue to call my phone daily XXXX among other numbers they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Total Card, Inc.
State: ID
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: Billing dispute for services

Complaint:
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Card 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with XXXX XXXX until XX/XX/XXXX. Prior to that date, XXXX XXXX approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. XXXX XXXX sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to Specialized Loan Servicing ( SLS ). 

I have called SLS on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact XXXX XXXX to obtain the authorization. I have confirmation of receipt for both the fax and the email. 

Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. 

SLS is violating the terms of the modification that was approved by XXXX XXXX and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. 

They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from XXXX XXXX prior to the transfer of the loan. 

The SLS loan number is XXXX The XXXX XXXX loan number is 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 2021-03-31
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On my XX/XX/2021 statement my bank charged me {$30.00} for a payoff statement that they claim was ordered by a loan processor for a refinance I was applying for. Instead of charging the refinance company, they surprised me by tacking the {$30.00} onto my next mortgage payment. I wasn't aware that the refinance company had ordered anything. 

I called my mortgage bank in XXXX and in XXXX and asked them about it, and they said I was to call the refinance company for a refund. When I advised them that this is a HOEPA violation, wherein HOEPA part of RESPA banns charging for payoff statements, they arrogantly stated that they charged this amount because the refinance company requested a fax or email and they are merely charging a servicing fee. Whether or not the payoff was sent via fax or email, I have no idea because I wasn't party to the transaction between my mortgage bank and the refinance company. 

I don't believe they can charge me for a payoff even if it is faxed or emailed, and if this ridiculous reason for charging was allowed, I don't think they can charge me for a transaction with another party, when I wasn't involved in the decision of how the information was sent. I feel that they are trying to get around the RESPA/HOEPA law that banns charging for a payoff statement and taking advantage of their customers.

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

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 2019-02-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was promised by Ally Financial bank a 1 % cash back bonus if I opened up a new account or deposit money to an existing account. I did so by depositing XXXX into a new account ending ... XXXX on XXXX ( before the dated line of XXXX ). I also received a confirmation email of that on XXXX confirming my enrollment before the date line of XXXX XX/XX/XXXX. I followed all the requirement of outlined on the email of XXXX and yet I did not receive the {$1000.00} cash back bonus by XX/XX/XXXX as promised on that email. I have called them several times on this issues, despite the fact that they confirm my qualifications for the cash back bonus, yet they say it would take 7-10 business day to do research on the reason why you have not been paid. Exh. 2 is a chat print of an ally agent with me on XX/XX/XXXX in which it is stated that I have been qualified for the cash back bonus and that it would take 7-10 business day to get the money. 
However, this sounds to me fishy as to why it should take 7-10 business day to deposit the money into my account while it was supposed to be done by XX/XX/XXXX. 
I ask them to pay the bonus and then do your research about your software problem. 
They are not listening and bushing me around.

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 2018-04-09
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:
This company has reported on my credit an amount of {$480.00} without notification again. This is the 4 time a company has attempted to report on my credit WITHOUT any prior written notification, even after several request none of the below mention agencies have been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. 
Diversified Consultants XXXX XXXX XXXX All this companies have reported this supposed charge from XXXX XXXX ( a service I have never had ) with out proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
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:
2 years ago i XXXX XXXX XXXX XXXX a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX of 2018 my HELOC loan was transferred from XXXX XXXX to Rushmore loan services. I have made my monthly payments through my  bank bill payment system as I always have on time. In the month of XXXX the company decided to hold my payment, then I made my XXXX payment they held that payment as well. I called in XXXX when I realized my perfect credit score was affected by this company. Confused as I have made my monthly payments every month on time I call them. They then tell me my name was different, my address is different, then tell me they are holding my payments because it was not paid on-time in XXXX or XXXX plus I had to pay some inspection fee for someone coming out to my house. My bank shows this loan check to have been cut & cleared my bank account with XXXX XXXX. When I completed the paperwork with XXXX XXXX I've always used my current last name " XXXX '' because that's my drivers license legal name. Then I ask to speak to a supervisor to explain the issue they begin to tell me I can not speak with a supervisor I need to write a letter. I write the letter send it off & they still have not completed the investigation two months later. Then I look online for XXXX bill amount as my monthly fees have changed with Rushmore every single month but with XXXX XXXX it did not even though it was a Variable rate contract. The rep give me a different amount explaining because this month has less days I am charged more if the interest rate per my contract. This just does not make any sense to me at all. i have been a homeowner of two homes & have never been so wrongly treated as I have with XXXX loan services. It is not fair as a customer to pay for there mess ups. This company needs to be investigated & shut down for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I sent Equifax the attached letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX XXXX in the file they maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. 
Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trans union has been giving me he'll as someone In Texas has stolen my identity and I called the following companies XXXX XXXX XXXX XXXX XXXX and a company called XXXXXXXX XXXX XXXX they are asking for my ID and so number due to THEM sending their energy to whoever and never asking for their customers to furnish ID thus making my credit bad then u got all kinds of hard inquiries that I didn't make for several loans from like 100 different places which was not me, I mean someone's using my name and then Trans union is giving me a hard time with it being I was homeless how the he'll could I have a energy bill? Then I T looks like the person got energy bills at several addresses and the majority is in Texas... I never been to Texas a day in my life at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans union ignores that I am XXXX XXXX XXXX but they continuously keep making me be XXXX " XXXX '' XXXX ..how when I have no middle name... it's crazy ..Trans union along with their XXXX XXXX  is making me mad XXXX XXXXXXXX.. if u call NOBODY speak clear XXXX which make me think it's a a scam " '' Straight up!!

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 2018-04-05
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was being serviced by XXXX XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX. My Loan matures XX/XX/XXXX After I made my XXXX payment, I notice on my account on-line that 1.My escrow  had decreased and 2. There were some additional charges to my loan. I called XXXX and talked to customer service and address the issues with my loan. I was told that they had paid my my personal property tax out of my escrow early on XX/XX/XXXX. 
I then began to discuss the extra XXXX in fees that were on my loan. She said that she couldn't tell me why I was being charged Legal Fees Due XXXX Other Fees Due XXXX and Late Fees Due XXXX. I told her I did not incur XXXX in late fees on this loan. I also told her my loan had never been modified or ever been in no foreclosure. She then stated that I would have to talk to somebody in another department. So on XX/XX/XXXX I received a call from Fay Servicing telling me that they were taking over the loan with 2 payments left. So I started addressing the same issues with him. He said they had just got the loan from XXXX and he could could only tell me that my principal balance was XXXX. I just wan na know why am I being charged these bogus charges. What Attorney charged us XXXX, Why am I being charged XXXX for other charges, and statements showing XXXX in late fees for this loan. 
Finally I find it kind of hard to believe that Fay servicing sent this same loan over to XXXX with over XXXX of bogus interest and principal balance that I disputed XXXX of XXXX which was adjusted. And now with 2 months left on same loan its back in the hands of Fay Servicing. Fay Servicing had all ready serviced this loan from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 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

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