BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: MIDFIRST BANK
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an ARM with this company. They bought my mortgage from XXXX awhile back. They are supposed to review my mortgage and adjust it according to the rate the XXXX raises. The XXXX raised rates .25 % this year and I got a letter saying that my rate was going up. A week later I got a letter in the mail saying they made a mistake and my rate was going up another .125 %. They have raised my rates every year and now I 'm almost at the rate for a 30 year fixed mortgage. I believe they are using the doctored paperwork they got from XXXX and I want a 100 % audit for the time they have had my mortgage, I want a copy of the paperwork they are using to calculate my rate to compare with my original paperwork and I want them to sell my mortgage to a competent company. They proved that they ca n't handle their work. They have ignored my repeated attempts to contact them. I 've sent four e-mails and their offices are only open XXXX to XXXX Central time. I work swing shift on the west coast so I can not call them before XXXX Pacific time. To sign up for an online account they require that I enter my SS #, which I will not do.

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 2022-04-04
Company: AES/PHEAA
State: PA
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:
In XXXX of XXXX, I reviewed the new waiver for the XXXX XXXX XXXX XXXX program. Part of this new waiver stated the following : " If you have XXXX XXXX XXXX XXXX ( XXXX ) Program loans, Federal XXXX Loans, or other types of federal student loans that are not Direct Loans ( e.g., those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX. '' ( XXXX XXXX XXXX ) In XXXX of XXXX, of my XXXX loans, XXXX of which were consolidated years previous when I switched loan servicers, were forgiven as a result of the waiver. 

However, I have since learned that had I consolidated all of my loans together, the highest payment count would have been applied and my entire debt would have been forgiven. 

As of today, XX/XX/XXXX, XXXX now has addressed this specific situation in the " Question and Answer '' section of their site. This information was not available in the fall and has been continually updated as the DOE and XXXX servicers continue to work through this process. The initial reference to their Q/A portion of the DOE website was first announced on XX/XX/XXXX ( reference attached ). 

Regardless, I and countless others were misled into thinking Direct loans did not need to be consolidated. This lack of clarity is on the DOE and student loan borrowers such as myself should not be a victim of it. 

*Attached are all of my records of emails and complaints filed with the DOE and FedLoan as well as their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: LoanCare, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into Cares Act Forbearance with LoanCare XXXX of XXXX and it is extended through XX/XX/XXXX. My mortgage account was current upon entering into Cares ACt Forbearance. LoanCare just transferred servicing of my loan to another company, upon doing so they reported to the credit bureaus that the loan is 120 days or greater past due to XXXX  and XXXX. My credit rating with both bureaus is a XXXX. I am suffering job impacts from this action as my position is dependent upon satisfactory credit. I have attempted to call and have sent numerous emails trying to get this corrected. They closed my most recent ticket without contacting me siting that I did not provide them with a complete credit report. I had to call them to find out the resolution to the ticket as they just closed it with no comments. I need my credit updated and reported correctly immediately. The attached documents are what has been sent numerous times to LoanCare via several email addresses.

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 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I called Bank of America on Friday XX/XX/XXXX regarding a negative XXXX balance on my checking account. Apparently something fradulent had transpired and I decided to close my checking account and start a brand new one. I called again on Saturday XX/XX/XXXX to see if they have closed my checking account and they have not. I want to know why they haven't closed the account with the negative balance that they put. 

Best regards

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 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.

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 2022-04-04
Company: 2288984 Ontario Inc.
State: LA
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 have submitted several disputes about the XXXX Money Key line of credit which should have never been reported to credit bureau XXXX there was never a 30 day missed payment, the loan amount inaccurate, payment % inaccurate, account never been updated since XXXX XXXX showing incorrect information as if no payments were made on account. This information Should not be on account if company is not going to accurately report information consistently. No one at the company is reporting this matter correctly or trying to fix their error. Which shoes I owe an amount that is inaccurate. Refuse to take off credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Genesis FS Card Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello I had previously submitted a compliant against Indigo/ Genesis FS Card Services regarding fees and interest in excess and their unwillingness to work with me. Since my last complaint filed I requested for them to no longer call me because I was receiving multiple calls from different numbers all the time and they knew my situation. I am currently the only one employed in my family and sole provider. I have not made a purchase on the credit card in years and the balance continues to go up because it was over the limit and behind. Due to Covid and family illness my Husband lost employment and we fell behind on several bills. The fees keep pushing the balance up and making it harder to pay them anything to stop the increase each month. They will not stop over limit fees or late fees if you do not pay at least the minimum payment. I can not afford even that. At this point I am trying to avoid a charge off hurting my credit even more so I continue to try and make small {$40.00} payments but this does nothing to help reduce the balance. 

Further more I received a letter from Genesis FS Card Services dated XX/XX/2022 and it states they will waive two late fees and they will discontinue further calls per my request. Since this date I have still received multiple phone calls voicemails. ( Number - XXXX ) While they are waiving two late fees, if they total the fees on this balance one would see most of what is owed is ALL fees. This is beyond abusive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
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: Reporting company used your report improperly

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I received two letters via regular mail from WELLS FARGO, Fraud & Claims Management, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. Subject : Closure of your deposit accounts ; see attached letters from WELLS FARGO. 

I have never had an account ; checking or savings or deposit accounts with WELLS FARGO. I called the number listed and spoke to a XXXXXXXX XXXX XXXXXXXX and explained that I have never had an account with WELLS FARGO. In order to proceed they asked for the four last numbers on the Account number and Social Security number. I explained that I never opened an account with WELLS FARGO and wasn't going to give out my Social Security number as I was unsure that this was even WELLS FARGO I was talking to. When I explained that WELLS FARGO was caught by the Federal Government for opening accounts without peoples knowledge and was fined XXXX XXXX dollars, I certainly am concerned that this could be another fraud. Their answer was that without the Social Security number they could not do anything unless I gave them the SSA #, CC # or account #. Now how would I have that information if I never had an account in the first place? This is the reason I am writing the CFPB. Is this another scam or legit? If I received a certified letter, then maybe I would consider it legit.

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 2021-11-11
Company: Shellpoint Partners, LLC
State: NC
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 filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with Shellpoint newrez mortgage account # XXXX .. this case is going on since XXXX and Shellpoint says they never reported to credit bueros and XXXX says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either shellpoint is lying or XXXX and XXXX is lying. 

If shellpoint never reported negative report then who has reported and why credit bueros showing it on report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
I have repeatedly notified XXXX the information from PORTFOLIO RECOVERY ASSOCIATES is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MS
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again with different address XXXX mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus

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 2017-10-24
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a promotional plan with a credit card issued by Comenity Capital Bank that I paid off prior to its expiration date of XX/XX/00. Their system did not apply my payments to the promotion plan even though I spoke to their representatives each time to make sure it would, and was told the system bounced them out. Since then I have called, written and emailed them to get this straightened out and keep getting monthly finance charges on the promotion I fully paid off. All I get is a form letter stating basically there is nothing they ca do. I have documentation to prove payments were made but no one will look at it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and TransUnion repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from XXXX and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXXt # 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 2017-10-05
Company: Experian Information Solutions Inc.
State: NJ
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 ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.

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 2022-04-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested for Chrysler Capital to send me a contract with my signature for alleged account. An email from XXXX was sent to me on XX/XX/2022. The attachment ( .tif ) was not readable. I responded to email asking for a PDF instead, I have not received a response.

Company response to consumer: Closed with explanation