BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We used XXXX XXXX to manage a seller-financing trust indenture in Montana. Unbeknownst to us, the note was sold to Loancare. Since that event, Loancare has been horrible to work with with little to no to really delayed response to inquiries. The buyer was able to get a loan through his local bank and it took the bank several weeks to get the pay-off amount from Loancare. 

The loan finally closed 8 days ago. The bank issued a check that same day to the title company. The title company opted, with out anyone asking us, to mail the check to Loancare. That took 2 days. I called Loancare on day 3 to find out where my funds were to be told that they were going to hold the check, from a title company, for 10 days. I called the title company and they were able to convince Loancare the check was good and it was cashed on day 3, but no payment back to us, the seller was made. 

I called in frustration and stated the money needed to be transferred to my bank account on file immediately. I was told they were after the cut-off time ( presumably for the wire ) but it would go out on Tuesday ( Monday as a holiday ). So, I expect to see the funds in my bank account on Tuesday. Not there. Today, Wednesday, after three phone calls, I learn that they cut a check for the $ XXXX and put in the regular first class mail on Tuesday and now it will take several more days. So, of course, I ask why it wasn't wired. " We had no instructions. '' Did they ask for instructions? No, of course not. Did I say I wanted it directly deposited the same way all the buyer payments were direct deposited- yes, most definitely. 

Okay, fine, the " check is in the mail '', so please give me the tracking number. No, we have no tracking number. We just sent it regular mail. WHAT? A check for $ XXXX and you didn't opt to track it. How convenient that you will be earning a few hundred dollars in interest off of funds received on Day 3 since my bank won't be receiving and then depositing the check until maybe Day 10 if I'm lucky or day 13 if it hits the weekend, if the untrackable check even arrives, at which point, I have to call back again and even more time is lost. 

Overall, awful experience with Loancare and its not even over yet.

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 2019-05-24
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was charged a late fee of {$3.00} for the month of XX/XX/XXXX. This fee was paid on X/XX/17. On Monday, XXXX/XXXX/XXXX I called and spoke with a manager ( XXXX ) at extension XXXX asking the fee be removed. XXXX checked my payment history and verbally confirmed over the phone with me that the late fee of {$3.00} had been paid ( in XX/XX/XXXX ) and he was unsure why it was still on my account. XXXX stated he would put the request through and have the {$3.00} fee removed and my account current again. He confirmed he would call me on Wednesday ( X/XX/17 ) to confirm this was taken care of. On Thursday, X/XX/17 I followed up to speak with another manager only to be informed they are not removing that late fee of {$3.00}. I have paid above and beyond the late fee of {$3.00}. My monthly payments are {$60.00}. You will see below my payment history and how in-fact the late fee of {$3.00} has been paid. On X/XX/17 I made 2 payments of {$67.00} ( this covered the XX/XX/XXXX late fee of XXXX and covered and ensured that XX/XX/XXXX was paid on time ) On X/XX/17 I paid ( on-time ) {$63.00} when I only owe {$60.00} each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Theres 3 fraudulent credit inquiries on my credit 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 non-monetary relief
Consumer complaint received 2019-10-16
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Dear XXXX, I am writing in regard to a Home Equity Line of Credit with US Bank that was given to me, but I never had the need to use. Just to give some background. 
- I had first mortgage with US Bank. {$200000.00} ( A/C # XXXX ) - A Home Equity Line of Credit ( HELOC ) with US Bank as well. {$48000.00} ( A/C # XXXX ) I did have the HELOC ( which I am seeing was taken to be a second mortgage ), but never used the amount for any purpose whatsoever. At the house closing, I was charged a pre-payment penalty for both the first mortgage which was pre-paid before the 5 years was up - I can understand that since the XXXX amount was active and used and was cleared before the five-years since we sold our home and the loan cleared. 

However, what I dont understand was the pre-payment penalty for the HELOC that wasnt used for anything. In trying to sort things out with US Bank I was told that the fees would be waived, if I did take another loan with the Bank. I did speak with the branch manager (  XXXX XXXX ) at the XXXX XXXX XXXX. XXXX XXXX at the XXXX XXXX was the Banker who helped open the loan. 

I am hoping your office can help to sort the HELOC pre-payment penalty out for me. I honestly feel that I should not be charged a pre-payment for a loan that wasnt used. Any help will be appreciated- thank you! 

Sincerely, 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
Consumer complaint received 2017-07-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Although within my credit limit, CitiCard blocked a transaction from being authorized. When I called to rectify the situation, I was told that nothing could be done because their system was down and they could not explain to me why my transaction was being blocked nor could they authorize the transaction. I was told to call back in 2 hours and they could hopefully resolve this situation. This was an unacceptable response. <P/>This prevented me from using the 0 % interest for 21 months that was a key feature of my product.

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 2019-10-16
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called at least 3 different time over this matter. XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX, in regards of a land of amendment to take off flood insurance on my property. They kept telling me that they would get back to me with a response within 24-48 hrs each time I called and failed to do so, I continued to call and today they had said the reason why they would not be able to approve and pass the land of amendment that shows I'm not required to carry flood insurance was because my property is still showing in map zone with FEMA and that I would need to contact them with the matter so that it does not show on the map although they have the documentation needed stating it was not required and they were done helping me. I got ahold of FEMA and they said that it does not matter what the map shows. What " trumps '' that was the map of ammendment, that is the deciding factor of all. Once you have that, there should be no reason they will not take the flood insurance off. I'm using all my resources and trying to get this resolved the best of my ability and I'm currently stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a credit card with XXXX to make a big purchase where they offered me a store credit card and told me I would not be charged interest for a year and I would then have to start paying interest after the year was up. I then got the card and made payment when the offer was up I got my balance down to XXXX believing I would only be charged for that remaining balance interest. I then got charged XXXX in interest in XX/XX/XXXX, immediately after I realized the charged I called XXXX XXXX ( Comenity Bank ) to try and reverse it so I could pay my card off without the charge because I never once saw that I would be charged that amount. On the first page of my statements it didnt say I was getting charged interest and at the time I did not know what a accrued interest was. It wasnt until after I noticed the charge I seen all the information about the amount being charged was on the last page of the statements. I then contacted the company and they did nothing. All they did was explain the promotion which should have been explained to me at the time I was signed up for the credit card. The information they provided was misleading and all they wanted was for me to sign up for a credit card. I then did further research on the topic and feel like they are in violation of regulation Z in truth in lending. I read that the information that they provided on the last page of my statement is meant to be in the front page And it is not. Statements also says 0 interest being charged for the month on the first page which was very misleading I contacted them as soon as possible to try and reverse it and pay off the bill but they are not trying to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: GA
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 have filed dispute after dispute after dispute with Equifax about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX -XXXX  XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  The following does not belong to me : XXXX  XXXX Account Info Reported on XX/XX/XXXX Equifax retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a {$1100.00} using a money remitance application name remitly but when i send it. It said that my money transfer was cancel but my money in my bank account in Bank of America decrease by the {$1100.00}. When I call the money remitance they say that they didnt received my money yet.

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 2019-05-24
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX Illinois regarding an outstanding balance of XXXX owed on a XXXX XXXX financed by Honor Finance. I signed a Letter of Settlement for XXXX which was paid XXXX a month for 10 months. The Settlement letter has both General Counsel 's and my signatures and date. The last payment was applied on XX/XX/XXXX. While making scheduled payments, Honor Finance went out of business ( was not aware of it and payments continued ). 

Less than a month after the final payment, I was contacted by Westlake Financial asking for payment. I explained to them the debt had been settled and went on to email them proof of the Settlement Letter with General Counsel 's signature. For 2 months I waited on them to hear from their legal department who supposedly had to determine who was servicing the Honor account. First, they were asking for XXXX, then XX/XX/XXXX they asked for XXXX. In XX/XX/XXXX, I called XXXX XXXX of XXXX XXXX  XXXX Illinois and we had a conference call with Westlake who was still asking for payment after XXXX confirmed the debt was paid off. I had an XXXX XXXX   yesterday after speaking with XXXX XXXX ( Westlake ) because I was so XXXX  and XXXX, please help me. 

Westlake will not accept this and their tactics are unethical and criminal, they need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: KEYCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 2. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 3. MY INTEREST RATE WAS RAISED TO 5.375 % -- -BANK DID NOT PROVIDE ADEQUATE DISCLOSURES OF THE INTEREST RATE HIKE 4. EARLIER THIS YEAR I SENT IN INFORMATION FOR DIRECT DEPOSIT, IT WAS NOT ACKNOWLEDGED ... AND NOBODY FROM KEY BANK CONTACTED ME TO RESOLVE ... .INSTEAD THEY JUST REPORTED MY ACCOUNT AS DELINQUENT TO THE CREDIT BUREAU 5. KEY BANK CONTINUED TO CHARGE FEES TO A DEBIT ACCOUNT I HAD WITH THEM ( WHICH HAD A POSITIVE BALANCE ) ... UNTIL THE BALANCE WAS NEGATIVE {$270.00} AND THEN INSTEAD OF CALLING ME TO RESOLVE, THEY HANDED THE ACCOUNT OVER TO A COLLECTIONS AGENCY. 

KEYBANK HAS HURT MY CREDIT SCORE WITHOUT EVEN CONTACTING ME FOR PAYMENT AFTER IT FAILED TO PROCESS MY DIRECT DEPOSIT AUTHORIZATION PAPERWORK, IT HAS CHARGED MY DEBIT ACCOUNT HUNDREDS IN FEES WITHOUT ANYONE NOTIFYING ME AND THEN SENDING TO COLLECTIONS. 

THESE ARE PREDATORY BANKING PRACTICES THAT SHOULD BE STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card 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 2019-10-16
Company: Financial Credit Network 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: Personal information incorrect

Complaint:
I initially contacted the creditors to resolve this debt. I provided all necessary insurance information from both my primary XXXX XXXX XXXX XXXX and secondary XXXX XXXX insurance coverages. I was told that they would take care of it and get back with me the following day. I did not get a call back and assumed that insurance had taken care of the bill. I monitored my credit report updates weekly but did not see the debt resolved. A little over a month later I just decided to pay the debt out of pocket. My credit report has showed a balance due of {$360.00}, however, when I called the Financial Credit Network company I  was told the amount due was {$380.00}. I payed the {$380.00} payment plus the convenience fee of {$4.00}. I feel that this was incorrect information. After payment was made by credit card, I received an email receipt that listed my and my spouses address as incorrect. I dont trust that this information will get posted and cleared up correctly. I was told to wait 90 days to verify that things would correctly post. I think a wait of 90 days to verify this is ridiculous.

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 2019-05-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bull City Financial Company represents XXXX XXXX located in XXXX North Carolina. Received a service on XX/XX/2015 that did not meet the requirements of what the dentist had discussed he was going to perform. What was supposed to be a XXXX to be XXXX I received a bill for a XXXX XXXX. In which within 14 days my filling came out from the XXXX and exposed quite a bit of XXXX XXXX and a XXXX XXXX XXXX XXXX in my XXXX. I have notified the XXXX about this right away and not only was I not pleased with the incorrect billing but that the service that was given to me on XX/XX/2015 was not successful. I have gathered several pictures to prove this was not a successful visit and was given a bill for {$1000.00} for a service that I never did receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sallie Mae has over 3 accounts showing closed on my cras with incorrect payment records that are adversely affecting my credit scores during a pandemic. The CARES ACT was supposed to help but sallie Mae refuses to remove the old closed accounts or remove the late payment statuses

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
I have been of victim of Identity Theft. I did not Authorize anyone to Open any Accounts Using My personal information

Company response to consumer: Closed with non-monetary relief