BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Exeter Finance Corp.
State: GA
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:
In accordance with the XXXXair Credit act EXETER FINANCE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 I've had my Best Buy credit card for over 7 years, and I have always paid the bill on time. On XX/XX/XXXX I went online to pay my bill and the website was having issues. I tried call them on a few occasions to pay my bill and was told to call back because the high amount of calls received. Due to the COVID 19 pandemic we are told to stay home, and Best Buy was not allowing people in there store. At that time I only owe {$1.00} to Best for my card payment but I was unable to get my payment to them. I finally go through but it was pass the due date. My credit limit was {$4000.00} and was drop to {$500.00}, which has cause my credit score to drop. Best Buy was able to update date my payment and remove late fees, but when I reached out to Citibank ( Best Buy ) to instate my credit to XXXX, they said I should have made a better attempt to pay and that they can't do nothing to restate my previous credit limit.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances owed and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
n of character and violating my consumer rights.

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 2020-11-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinancing my first mortgage in the amount of {$500000.00}. United Wholesale Mortgage is new lender, they sent the funds to XXXX XXXX XXXX, who is the title company in charging of disbursing the funds and closing the transaction on XX/XX/2020. As of yesterday XX/XX/2020 XXXX title had not yet paid off my old mortgage company which means I am being charge for two mortgages. My old one since they have not been paid off yet and the new one. Title company and the lender keep passing the responsibility to each other and keep producing new closing disclosures that they want me to sign. I am not sure why this is all happening as I signed all of my loan documents on XX/XX/2020 and to my understanding everything was fine!!! I just need help to see who is responsible to pay for their mistake. It should not be me since I did nothing wrong. I should not be paying for both mortgages. I have attached 3 difference CD 's produced by the lender, two after all my final loan documents signed. There is also a log of all the conversation taken place between my mortgage broker and XXXX XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been trying to get ahold of the company for 2 weeks I'm out of work because of the virus. I made a good-faith effort of paying some of the bill this month and they charged me a {$28.00} late fee. In the past I have tried to get them to set up a program with me and they won't they won't answer my emails I I've been trying to call them and I just get booted off hung up on because they say it's too busy. I did some research and on the web it says that if you are persistent and call several times they will work with you and set up a lower monthly payment but they will not help me

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 2015-03-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Morning, My issue is with Wells Fargo and their failure to honor the principle reduction I was promised by one of their representatives ( XXXX XXXX ) in a modification agreement. I completed the modification plan we agreed to and now they will not honor their end of the agreement, principle reduction of my mortgage. I am seeking help with this situation and an investigation into Wells Fargo to see if other clients have had this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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:
Experian responded that my complaint is not authorized by me. That is false, and I XXXX XXXX am a victim of identity theft, and I myself am sending this complaint to the CFPB and EXPERIAN, so that i can get help with the fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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:
Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please note I have contacted the company regarding this and they passed the blame back to XXXX. Please see case # XXXX against XXXX. Please also note that i would have also filed a dispute on my credit file had i known what to dispute as you will find attached i have a copy of my transunion credit report and there is no information on it that suggests I have an installment loan so I really have no way to file a dispute with transunion. I have found that these reason codes are in fact generated by transunion. All I want to know is what installment loan are you referring to with reason code XXXX " lack of recent installment loan information '' but nobody seems to want to tell me what non existent installment loan I have. Do I really need to take you and XXXX to small claims court for hiding information and sharing false information thereby fraudulently affecting my credit which in turn could cause any number of negative affects over years, just because you guys refuse to tell me what " lack of recent installment loan information '' means when I do n't in fact have an installment loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Specialized Loan Servicing Holdings LLC
State: OH
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:
XXXX XXXX XXXX is the servicer on my Fannie Mae loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but SLS started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid SLS on time every time required but my credit is now ruined and SLS refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AG AH LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid Arc Home LLC {$160000.00} after I liquidated my investment property and before my first mortgage payment ( due XX/XX/2021 ). At the same time, I requested a recast to be done and paid the recast fee so that my monthly payment can go down. I was told it will take up to 60 days for their accounting department to make that adjustment. After calling them several times for almost 2 months to ask about the status, I was finally told that they sent me a document, which I never received, and I was supposed to sign it as well as sent it back to them. Since it passed their deadline, they needed to reopen the request and get the process started again. And I need to wait for another 60 days for them to complete the process. In other words, I need to wait for another 60 days to see if this is actually going through or not. Given the experience I have with them, I have very low confidence with that. 

For instance, their online application is problematic ; I ended up having to make one of my monthly payment by phone, which for no reason became 2 identical payment transactions on a roll. I had to call them again to ask for return of the money on the 2nd one. They did but didn't explain they gon na sent me a check, which I never received. When it's time for me to make another monthly payment, I still don't have it. I called again to see if they can stop the check and apply that amount to the upcoming payment. As of now, they said the check is stopped but i haven't seen the dollar amount being applied to the payment again. Guess I'll also need some luck over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
My wife is going through the exact same thing!! 
I called on XX/XX/XXXX, to close my acct. We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed on XX/XX/XXXX. Moreover, we stopped using the account months before the fee was assessed. Amex said we 'd have to talk to a supervisor but she was unavailable. We left her a vmx. No response. 

All we want is to close our acct in good standing with a zero balance. Amex thinks it 's fair to charge an annual fee of {$95.00} for a card we have n't used in months simply b/c we called XXXX days after the fee was assessed on an acct we do n't use. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Round Two Recovery
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX and Roundtwo Recovery are reporting debt on the same account. The account was paid XXXX 2014 to XXXX XXXX. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including Roundtwo Recovery and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Factor Trust
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 information incorrect

Complaint:
Denied for credit through a report FactorTrust provided. Reason given was that its derogatory information, but I havent had a late payment in well over a year & this reporting is defamatory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with XXXX. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine

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 2021-09-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
COMPLAINT ON COMENITY - VICTORIA SECRET XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Texas XXXX XXXX XXXX info XXXX Comenity Bank XXXX Tax Payers Id # XXXX Comenity Bank XXXX Secretary of State # XXXX Received call from Comenity Bank XXXX Victoria Secrets at XXXX XXXX ) XXXX, saying that they didn't get my XX/XX/2021 Payment. I let them know that I did make my payment on XX/XX/2021 through My bank paid with check # XXXX for {$75.00} which what was due. I had the representative verify the payment address, the address that he gave me was XXXX XXXX XXXX, XXXX Tx XXXX. The address that my bank sent the check was XXXX XXXX XXXX, XXXX XXXX Tx XXXX. At some point the address that I had was valid. Not sure when this company, Comenity Bank XXXX Victoria Secrets changed their payment address. The customer service rep calls are being forwarding to other countries from the USA. I made my payment in Good Faith. This company changed their payment address and didn't notify me. They are trying to charge me a late fee on top of my payment. I want the late fee waived and not charge on the front end which is what they will do. My payment should only be {$75.00} without the late fee.

Company response to consumer: Closed with monetary relief