BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wayfair Credit through Commenity Bank conducted deceitful services by applying for my monthly payments incrementally to both balances instead of the balance that would end proportionally first. The website does not outwardly state the breakdowns of the payments. I have paid off my card in full but due to the deceitful breakdowns, I was unlawfully charged all interest fees. Attempted to resolve this with 3 representatives and was escalated to the highest level ( XXXX ) ID number XXXX ) who refused to work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AES/PHEAA
State: UT
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 wrongly consulted about my student loan consolidation, resulting in over half of my loans not qualifying for XXXX after 8 years of regular payments. I was told my only option was to consolidate all of them again starting that back to zero. 

Addtionaly, while doing my XXXX  program I waived my in-school deferral and continued making regular payments, as I am employed fulltime by a state institution of higher education. I was told none of those payments counted, and then told they needed to review the payments. After almost a year, I receieved notification that those payments did not count. When I called, the person I talked to said that was obviously wrong and resubmitted them for review. 

I requested a copy of my account records to confirm when I recieved erronious information and was told that I could not have access to my account records without a court order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for and application to refinance my current mortgage with this company close to 4 months ago. This company was slow to process my loan. Today after speaking to three employees I learned that my loan would not be processed until my reported child support arrears {$1600.00} ( estimate, and not appearing on my credit report ) was paid in full. This policy was not reported to me prior or during the processing of my loan request. 

I requested to see this company 's policy and I was refused by three employees.

This policy should be accessible and shared to the consumer. I believe that this policy may be unfairly targeting certain ethnic classes of people. The fact that my company is not being transparent related their policy should bare strict scrutiny, and it is assumed their practices may be in place to knowingly or unknowingly exclude classes of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$200.00} prepaid gift card ( Visa # XXXX XXXX XXXX XXXX ) at XXXX XXXX so I could buy products on XXXX. XXXX would not accept the card because it was a debit card.. I checked the balance and reset the pass code. The system said there was {$200.00} on the card. I then tried to buy groceries at XXXX XXXX with the card. They also said there was an issue with the card and I should just go to an ATM and take out cash. This morning I went to XXXX  XXXX XXXX and tried to withdraw {$100.00} as a test. It would not work. Blackhawk Networks is the administrator of this card but they will not accept calls. They only have an automated system. Their home office is also a dead end for phone calls. I believe they are a crooked organization. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Account status incorrect

Complaint:
I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
HelloRecently a account came up on my credit report XXXX XXXX   the account was closed paid in full for a lesser amount in XX/XX/2013I spoke to XXXX when this came up last week on my credit report. XXXX checked it out and said this account was closed and would not affect my credit score of XXXXTransunionThey dropped my credit score 65 points leaving my credit score at XXXX. I called them today, what was thier reason to lower my credit report that much.. They had no reason for that. I verified that they had the same information number of accounts as XXXX,They have always been lower then XXXX Transunion uses the same software company as XXXX. They both should be the same. I have worked hard to repair and maintain my credit. Yes I did have problems in the past. I don't believe they have the right to manipulate ones credit as such. Transunion have no right to my information as far as I'm concerned, I did I give them the right to have my social security number or my personal information to sell nor have I given them the right to profit from my information.I'm furious

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 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Amazon/Syncrhony Bank * In XX/XX/XXXX, I purchased several items from XXXX  for less than {$300.00}. Amazon confirmed that I promptly returned these items. See Attachment 1. The charges were made on the credit card of Amazon 's agent, Synchrony Bank. 
* Amazon offered me a gift card for the returned items but I asked for a cash refund on my credit card. Amazon agreed. 
* Even though it is undisputed I returned these items, Synchrony refuses to acknowledge that I have a XXXX  balance, and continues to charge late fees for the returned goods. 
* When I first called Amazon, they told me it some times takes a few weeks for Synchrony to receive confirmation that the goods were returned. 
* When Synchrony continued to demand payment for the returned goods, I made multiple, fruitless phone calls to Amazon and Synchrony to fix this problem. Since XX/XX/XXXX, I have spent about 12 hours on hold, on the phone, sending emails, writing letters, and on the chat lines for both Amazon and Synchrony. Each company blames the other. 
* On XX/XX/XXXX, I filed a written complaint with Synchrony Bank about their fraudulent billing practices. See Attachment 2. 
* On XX/XX/XXXX, I filed a written complaint with Amazon about the fraudulent billing practices of their billing agent. See Attachment 3. I used the address on Amazon 's web site. The letter was returned saying that the very address Amazon provided is wrong. See Attachment 4. 
* On XX/XX/XXXX, I contacted Amazon via an online chat because they are not accepting phone calls. Over my objection, Amazon transferred me to an online chat with Synchrony. 
* On XX/XX/XXXX, I had an online chat with two Synchrony agents, XXXX and XXXX. When I asked for an accurate address to write Amazon to file a complaint, they gave me the same incorrect address I mention above. 
* In contacts with Synchrony before XX/XX/XXXX, I was told that the late fees and charges were for the goods I returned. In the online chat on XX/XX/XXXX, XXXX told me a different story -- that the late fees are based on the aforementioned gift card which I rejected. 
* As a result of the fraudulent billing practices, my usually good credit rating has been negatively affected. 
* Synchrony now demands over {$100.00} in late fees.

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 2023-02-16
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

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 2020-12-09
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: U.S. BANCORP
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt included in Chapter XXXX discharge

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 2020-09-04
Company: Convergent Resources, 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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company is not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and which FCRA 609 require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing to exercise my rights using FCRA 609 guidelines which require them to follow what I mention.

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 2020-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Attached is a credit report as of XX/XX/XXXX. XXXX claims that Charter One/FM account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on charter one/fm after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by XXXX. This update and negative charge off in XX/XX/XXXX affected my score and XXXX  is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but XXXX  is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 2017-08-09
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: Public record information inaccurate

Complaint:
I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX rules ( the lien has no SSN number and no DOB ). XXXX XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My deceased father 's XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX XXXX LOAN. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. Then on on XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork.

Company response to consumer: Closed with explanation