BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from 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 explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just got an email telling me that I telling me that I opened up an account, which I didnt. The name of the companys are XXXX XX/XX/20 and the next company is XXXX XXXX on XX/XX/20 I never tried to open any accounts with those company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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 fraud alerts or security freezes

Complaint:
Removing security freeze. Both online and phone systems for Experian malfunctioning. 

Also failed to process {$5.00} payment submitted during course of failed online processing which referred to nonfunctioning phone # to resolve

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 2017-11-30
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I contacted XXXX XXXX and Navy Federal on XX/XX/XXXX  because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I opened a student loan with XXXX XXXX XXXX in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with XXXX XXXX XXXX was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported XXXX days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with Equifax in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added XXXX more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11 months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11 months and then stops reporting it late? Also, after an investigation by Equifax, how can the company verify this information as accurate and add negative information instead of removing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}.

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

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

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

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: GA
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:
I noticed a public record on my report. I sent Equifax a letter asking how did they receive the information they stated per a third party vendor XXXX they also stated if I wanted to dispute the issue to dispute it with XXXX. I did dispute the public record ( bankruptcy ) it was deleted from my XXXX report. I sent Equifax a copy of the deletion letter from XXXX who they stated was their furnisher. They still refused to delete the public record after I followed the step and had it removed. If XXXX removed it and is the furnisher of the information they should remove it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
On XX/XX/XXXX I sent EXPERIAN a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded online - even though I had sent them a certified letter - that " The company that reported the information has certified to Experian that the information is accurate. '' The company they are referring to - per their website- is XXXX. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent EXPERIAN another certified letter on XX/XX/XXXX which they received on XX/XX/XXXX showing them proof that XXXX ( see attached documents ) had removed the unverified bankruptcy and informing them that if they could not reveal how they verified this item, then it must be removed from my credit report according to the FCRA. 

This unverified item needs to be removed from my credit report immediately as it is causing me financial hardship and impeding my ability to purchase a home.

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 2019-08-08
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX/XXXX/19 my checking account was overdrawn by approximately {$6.00} resulting in a {$36.00} charge. I have an alert system with the bank in place that warns me when my balance drops below {$500.00}. On that date I was notified that I had a positive balance and knowing that electronic regular deposits would arrive on XX/XX/XXXX or XXXX I did not transfer additional funds relying on the bank 's notification that I had a positive balance. 
On the morning of XXXX I learned that a small outstanding check had caused a very modest overdraft ; I called the bank expecting a reversal of the {$36.00} charge but the clerk refused taking no notice of the fact the bank had formally informed me by email on XX/XX/XXXX that there were funds in the account. I asked for a supervisor who subsequently called me on XXXX still refusing to reverse the charge. 
I feel this is a deceptive practice as I relied of the Bank 's confirmation of positive funds on the same day as the overdraft had occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went into XXXX XXXX made a purchase for XXXX dollars and XXXX cents. I asked the cashier where is my XXXX dollar promotion. She said you made a purchase that had a subtotal of less than XXXX dollars. I said ok, I will return these items and then I went to customer service. I told them I needed to return the items I just purchased. They returned the items and told me that the sodas I purchased can not be refunded or returned. I was alright with that. I spoke with them about my promotion and they said the purchase has to be over XXXX dollars on the subtotal which was the same as what the cashier said. I returned what I could right then and there. I proceeded with making my purchase for over XXXX dollars on the subtotal and like magic my promotion was automatically applied and I paid the difference of XXXX dollars and XXXX cents right there in the store. The problem came after a few days of checking my account and seeing that the return did not show up on my credit card it only showed the purchase. This left me with three receipts to show the transactions that took place and a few phone calls and disputes with customer service. They or customer service assured me that everything would be shown on my account in a few days but did not happen. I recieved the promotion but my credit card statement is not. I sent in the formal dispute however they did not accept my receipts showing the promotion and have not credited my account of the XXXX dollars.

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 2017-11-30
Company: Navient Solutions, LLC.
State: MA
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 have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, We previously had a credit card with XXXX XXXX in my wife 's name, 'XXXX '.  We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from Radius Global Solutions LLC offering a settlement on behalf of XXXX XXXXXXXX for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either Radius Global Solutions or XXXX XXXX since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXXXXXX XXXX XXXX. on behalf of XXXX XXXX ( XXXX # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from Radius Global Solutions LLC or XXXX XXXX. 

XXXX we tried to call XXXX XXXX, but was routed to XXXXXXXX XXXX XXXX  XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to XXXX XXXX right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NAVIENT - XX/XX/XXXX that automatically deferred my loan. I contacted them immediately and told them I did not ask nor did I want a deferment. The said ok we have fixed it. I then on XX/XX/XXXX I received a letter stating they have changed my terms and payments. They lowered my payments and extended out my loan for 3 more years!! 3 more years of interest!! I called them and they could not explain. I have 2 loans taken out on the same date and payments started on the same time together. they now say one loan completes on XXXX and the other XXXX. They used to be the same XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/2018. Ditech Financial owes me a refund from the escrow account in the amount of {$2900.00}. Despite repeated calls and inquires and promises from Ditech, I have not been paid. Each time I call I get excuses, lies, and the proverbial run around, but no check. Enough is enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.

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 2019-04-15
Company: Experian Information Solutions Inc.
State: MN
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:
I tried to contact Experian with no luck, they make it very hard to speak with a live human being instead you get a automated thing that asks you select an option non of which transferring you to a person. 

I have unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. XX/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 2021-06-09
Company: Bread Financial Holdings, Inc.
State: MI
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 received two letters ( attached ) in the past 6 months indicating I requested an account with Comentity Bank. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with XXXX credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation