BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent certified notarized letter via USPS to Experian ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The letter demands Experian to provide me with Verifiable Proof ( an original Consumer Contract with my Signature on it ) Experian has on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Experian has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

This and any future certified correspondences sent to Experian will be used in court to recover monetary award for damages to my personal credit file

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 2017-08-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
got first modification XX/XX/XXXX, paid all payments on time. down payment was XXXX.
and three trail payments. had to prove by copies of canceled checks. stole third trail payment to apply to bogus XXXX. down payment, I said what? not part of my modification show where, what, partial answer its a down payment, I said show me where that XXXX. down payment came from as it was not part of my modification, never got an answer, they are to answer in 20 days, 6 years not resolved.
2nd modification no interest rate, no dollar figure paid by wire 11 payments, returned 11th payment.by taking third trail payment and applying to who knows where, to a fraudulent down payment, making all further payments 30 plus days late, before I even knew about XXXX. fraudulent down payment. I only found out I was late as I tried to do automatic payments online and was declined due to being late on payments, never late! Since they made all the mistakes, I should not be penilized. I want them to honor my first mortgage modification as most of the paperwork they sent re : Senator XXXX XXXX office, XXXX, 2017 said they can not help individuals, just the people, I 'm one of the people.
XXXX XXXX, Ocwen Loan Servicing llc, if their was any oversight this issue would have been taken care of 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: AES/PHEAA
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 have 17 closed accounts with XXXX  XXXX  that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MECHANICS BANK HAD REMOVED THIS ACCOUNT FROM THE CREDIT FILE BECAUSE THIS ACCOUNT WAS IN A BANKRUPTCY. AFTER THE BK WAS DISCHARGED MECHANIC BANK RECENTLY ADDED THIS ACCOUNT BACK TO THE CREDIT REPORT AS OPEN AND DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month. 
( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up. 
This made me go into foreclosure for about 4 years until I was able to work out a modification. 

Having this foreclosure on record obviously cost me tremendously both monetarily & physically. 

In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail. 
I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank. 
Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees. 
This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once.

1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments.

I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I transferred my FFELP loans serviced by NAVIENT to DIRECT LOANS serviced by XXXX XXXX. I applied for this transfer ( re-consolidation from FFELP to XXXX ) on XX/XX/2022. The estimated payoff on that date per NAVIENT was {$110000.00} in subsidized loans and {$53000.00} in unsubsidized loans. NAVIENT received payment in full on XX/XX/2022 of {$160000.00}. {$110000.00} was paid to subsidized loans and {$53000.00} was paid to unsubsidized loans serviced by NAVIENT ( more than the amount stated when the re-consolidation was applied for at XXXX on XX/XX/XXXX ). Prior to transfer of these loans to XXXX XXXX these loans were in an XXXX payment plan. The payment amount was XXXX. NAVIENT now states, after the loans were paid off and transferred, that I owe NAVIENT {$92.00} per my conversation with them on XX/XX/XXXX. This is inaccurate. The monthly payment was {$0.00} under XXXX prior to the loan transfer/re-consolidation to servicer XXXX XXXX XXXX I do not owe NAVIENT {$92.00}. The entire loan amount held by NAVIENT was requested to be transferred to XXXX XXXX. No remaining amount should be held my NAVIENT. Moreover, NAVIENT was paid more ( additional interest ) than they stated the payoff amount was for these loans. The current interest rate on these loans is XXXX percent. Please assist with having this resolved as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

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 2023-01-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : has violated my rights : XXXX - XXXX - Late Payments 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX I had a checking account with TD Bank in XXXX XXXX XXXX Florida their number is XXXX a check was mailed to me out of California for {$14000.00} in change TD Bank held that check because they thought I was fraud which is not for 3 weeks they ended up closing my account the check is still good TD bank has not sent it back to XXXX XXXX in California I have called them and I've been to TD Bank and they're not doing anything about it they closed my account about 5 or 6 weeks ago they have not returned the money to XXXX XXXX XXXX yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was on a court virtual zoom call with the county regarding a case for my son. My son received a message via zoom stating it was the XXXX Attorney office asking to communicate with regards to a deal that was reached in the case. This person then called my sons phone and stated that in order for the offer to be reached and the case thrown out, we needed to send {$500.00} immediately via zelle. I stated to the individual that the clerks office typically does not ask for XXXX payments and told him I do not have {$500.00}. The individual that replied stated that before he get off the phone, I must make a deposit atleast half of the amount and that he would call me back to set up the final payment and have the case immediately dropped. This person also told me that I would receive the bond money in the same account within 24 hours if I have {$1000.00} in the account. At that point I realized it was a scam. I reached out to bank immediately and they said they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: NV
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 have a fraudulent account listed on my Exprian report that was previously removed 3 times in the past. XX/XX/2018

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 2018-11-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted disputes to Experian in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and 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 non-monetary relief
Consumer complaint received 2017-08-13
Company: AES/PHEAA
State: LA
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 am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Dave Operating, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
The Company is Dave Inc funded by XXXXXXXX XXXXXXXX XXXX XXXXXXXX. Dave is headquartered in XXXX CA and XXXX XXXX XXXX XXXXXXXX in TN. Dave is an online overdraft/payday loan type service. I opened an account and was caught in a perpetual loop of my bank account needing to be verified. Because of this no services were able to be provided. Not even customer support//service. AlL THE WHILE they were debiteding my supposedly unverified account MEMBERSHIP fees! No one would help me at all until I filed BBB complaint against XXXXXXXX XXXXXXXX XXXX XXXX. Dave has now closed my account but will not delete my information and will NOT stop.contacting me via email even though I have unsubscribed and Uninstalled the app. 
They do this to hundreds probably thousands of people. They just take as much from everyone as they can get away with and sell our information. I am quite sure there are a lot of people out there that don't know how to challenge them and just accepted the lose. I know there are a few for sure, I read there reviews on XXXX. You need to look into the " business '' practices of Dave. They are deceptive and conducting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Investigative Concepts, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-29
Company: Cadence Bank
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XXXX of XXXX, I settled and paid {$640.00} with Capital One. I was told that once paid it would be removed off my credit report. Here it is XXXX of XXXX and it still showing on my credit report as a charge off when it was supposed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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: Information belongs to someone else

Complaint:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.

Company response to consumer: Closed with explanation