BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: MIDFIRST BANK
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Midland Mortgage is stating I am in a forbearance when I am not ; I used a Covid relief and have since repaid all of my back mortgage and they are reporting on my credit report I am in forbearance. It is causing financial hardship on me. I need help. Under the Covid relief plan it states they are not suppose to report it on your 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 explanation
Consumer complaint received 2022-02-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. 

It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2021-10-10
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am filing about money transferring company detail below : REMITLY INC XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Tel : XXXX XXXX XXXX www. REMITLY.com Money was supposed to be transferred in real time on XX/XX/2021 at XXXX XXXX but the money is not delivered till XX/XX/2021, time now is XXXX XXXX. 

The money was taken out from my bank account immediately on XX/XX/2021 They charged me extra fee as express for in real time transfer and it has been 3 days now that the money is not available for recipient. 

They are not refunding my money or transferring to recipients. 

I made more than half a dozens calls to the company but no results. 

Please look into this matter seriously. 

This company is not trustworthy and should be out of business. 

I suspect that the company is involved in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was awarded funds from XXXX on XX/XX/2022 and my mortgage ( shellpoint mortgage ) is saying they have not received any payment yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient for the last 9 years have been providing incomplete information regarding my loan repayment. Since I have ben employed full time since graduation, Navient has enrolled me in several different programs for repayment each with different lengths and terms. The calls always go the same way, Navient called because your account balance is past due, the only reason past due is because the automatic payments I schedule were only for a certain length of time. They are always only interested in me making a payment. Never not once have all ( eligible or ineligible ) payment plans been given or explained. I'm now of age to try to become a first time homebuyer and the {$14000.00} loan has only risen over the years. So this last call from Navient, I actually took time out ( actually walked out of work ) to ask more questions. The representative acted as if me asking questions was an annoyance to her. She then told me her computer was about to shut down so she needed to call me all, ironically this was just as I began asking questions instead of just giving her payment information and re-enrolling in some program she mentioned. In that conversation, I learned that majority of these programs the agents have been suggesting then enrolling do not help/go towards my principal balance. When I asked the agent what is my regular monthly payment, she couldn't even tell me. After dancing around my question, I found out that a regularly monthly payment is actually less than I've been paying through these various programs that have been suggested by Navient representatives in the past. I think this is predatory behavior, as well as deceptive and wrong. I feel taken advantage of. Anytime I speak with a Navient representative they have ONLY ever been interested in receiving a payment and keeping my account current, NEVER providing complete, accurate and beneficial information to actually pay the loan off. I literally have anxiety and XXXX because of the constant payments being made towards my student loans, yet feeling as though I'll never be able to repay them in full. It's already XXXX to have gotten these loans to try to get a good paying job and that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/14. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. Because I know the finance charge is the sum of ALL charges I was not expecting a bill. On XX/XX/2014, Santander Consumer USA sent me a bill which is a violation of 15 usc 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
There has been a hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address 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
Consumer complaint received 2019-08-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There are 2 merging issues.

1-In XXXX, XXXX my husband lost his job. In XXXX, we filed Chapter XXXX bankruptcy. At that time we were waiting on a loan modification decision from XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX who modified the loan and raised our interest rate from 2 % to a predatory 7 % rate and gave us no options but to agree. We struggled to keep up with the {$1000.00} payment increase and fell behind. I lost my job due to COVID-19 in XXXX, XXXX and we were unable to make the payments. Then we were told that the investor, XXXX, was foreclosing on oh home and had a sale date of XX/XX/XXXX. We hired an attorney from XXXX XXXX to stop the sale. While waiting for a modification, another sale date of XX/XX/XXXX was scheduled. That sale date has been cancelled as well. However, XXXX XXXX XXXX and XXXX are REFUSING to allow us a fresh start modification, despite us providing evidence that we can now afford the payments. 

2- on XX/XX/XXXX, XXXX XXXX XXXX claiming to be a representative from XXXX XXXX  of WSFS Bank XXXX called me. He said that we had been approved for a loan modification. He gave me case # XXXX and said my mortgage payment would be {$1400.00} ( taxes & insurance ) and our interest rate would be 3.5 %. But first I had to pay an escrow balance of {$2000.00}. Believing that the loan had Ben sold by h investor and a modification had been approved, I gave XXXX XXXX debit card information to secure the loan. ( When I asked him to email proof of the loan modification, he said I had to pay an escrow balance first. ) After putting me on hold to process the payment, he returned to the phone and said that his financial system was incapable of processing my debit card or banking information. He instructed me to purchase XXXX XXXX XXXX or XXXX XXXX cards at {$500.00} each and call him back with the information. Sensing fraud, I called WSFS Bank to verify the loan information. I was informed that I was not in their system. When I did not call XXXX XXXX back with the prepaid card information, he called my phone 15 times in harassment. I finally had to block the numbers he was calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Under the fair credit billing act the creditor must i have requested proof and clarification of charges in dispute, an addition to my balance which cause is yet to be displayed. I have not received written statements for my credit cards until the most recent billing statement. However, on two of my cards the balance increased without evidence of the charges made. Meaning USAA violated the time frame allowed by law to finalize billing disputes and reversed a decision it made over 12 months prior. However, these reversals are not  explained or shown on any statements. Since USAA restricted my online access I have been unable to get an accurate understanding of how much was charged back. Furthermore, I re-established my dispute of these charge backs as well as a few other billing disputes but have yet to receive written acknowledgement of these disputes. <P/>Seeing as there has been no clear or detailed explanation of how my current balance came to be, and USAA in a response to several CFPB complaints informed me they found me responsible for under {$2000.00} in previous charges, it is unclear why my statements have risen by over {$6000.00}. <P/><P/>I have made over a dozen requests and filed several complaints with the CFPB with this request and refusal of USAA to provider documentation to support the increased balances, explain the charges, verify charges previously disputed and found in my favor, all the investigation results and accurately depict my balance. These have all gone unheard. Thus, I have no way to pay my credit card bills seeing as I have not received accurate or detailed statements. USAA has failed to properly reflect charges or payments to my credit accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Since you ignored the conditional acceptance/change in terms of agreement for proof of claims, the following will happen : Based on tacit acquiescence the legally binding arbitration award, which resulted from failure to provide proof of claims to the conditional acceptance for proof of claim and change in terms of agreement The contract states estoppel from all activity. Since then, a civil lawsuit was filed by XXXX XXXX XXXX into XXXX County District Court case XXXX. According to the contract you agreed to, estoppel of any matter relating to the conditional acceptance change in terms of agreement for proof of claims based on answering each and every averment based on facts and specificities according to law. The agreement stated that any attempt to bring suit against XXXX XXXX will require 3X amount of claim enforced by agreement. Since you agreed to arbitration in the agreement. You are now liable for XXXX. The agreement you agreed to states 3X the original if parties were to further proceed in this matter without answering proof of claims enforced by the contract. Since then, you have filed a case in XXXX County, XXXX and have ignored the terms of the agreement. This brings your total obligation to XXXX. This amount is legal and binding on all parties who chose to ignore the legal and binding correspondence. Notice to all parties were sent via Certified/Return Receipt for Arbitration. Ignored. The Arbitration concluded on XXXX. The Claimant awarded XXXX. The harassment from XXXX XXXX XXXX continues as they have ignored all facts pertaining to this matter and have breached contract. The amount awarded to Claimant will be XXXX X 3 totaling XXXX now due and owing to Claimant XXXX XXXX. Please send payment to XXXX XXXX XXXX XXXX, XXXX Washington [ XXXX ]. L

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 2021-04-13
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
Santander bank is reporting four hard inquiries on my XXXX  credit report. I did not apply for credit with Santander. I have called them to dispute this but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: Union Home Mortgage Corp
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the CARES Act and due to loss of income related to COVID, we were given a forbearance period of 18 months as advised by our mortgage company under the impression we would be offered loan modification at the end of forbearance. Instead, the lender has denied a modification and is demanding the full amount accrued during the forbearance, approximately {$45000.00}.

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