BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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 recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXXT XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: PA
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:
on XX/XX/24 XXXX inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting XXXXXXXX XXXX to report it as fraudulent and was told nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: A.R.M. Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections letter on XX/XX/XXXX for a principal amount of {$100.00} plus late fee of {$15.00}. This debt is to the company of XXXX XXXX for garbage disposal at my residence. This company quit servicing my residence in the beginning of XXXX after the flood of XXXX. 
I never received a bill for this service, much less notification of non payment. 
I called and spoke to a representative, I asked them why is my balance {$100.00} when my normal fee for that bill would have been $ XXXX? I was told the extra amount was late fees, even though the bill says the principal is {$100.00} plus {$15.00} late fees, and I have to say again that I never received a bill.

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 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I checked my Trans Union Credit File online XX/XX/2022 and found very serious errors in my personal information. 

I filed a dispute online with them on XX/XX/2022. 

I received an email stating that my dispute was resolved and to click the link in the email to be taken to my online Trans Union Account to view the updated information. When I clicked the link it took me to https : //service.transunion.com and asked me to identify buses or something ( CAPTCHA ). I did so, then the screen immediately went to : ACCESS DENIED. 

So I tried again and the same thing. I tried a different browser, same thing. Cleared all cookies, cache, etc. Same thing. 

I have received 2 more emails from them about retrieving my results and the same thing keeps happening. 

I have called Trans Union per the directions of the ACCESS DENIED screen and they have not helped with resolving this issue. The representatives tell me to try another computer, or my phone, or send them a letter to request a copy of my credit report but, have not adequately addressed the situation. 

I was on the phone with them for over 3 hours today, I had to give them every bit of identifiable information they asked for just to make sure it was me on the phone and then they said to check back with them in 5-7 business days to see if the issue has resolved, after, AFTER, I read to them the information that is shown in the attached screen shot AND looked up on XXXX and XXXX and READ them the steps for resolution AND proved to them that it's not an issue with my computer system. 

In the meantime, they said, they would send me a copy of my credit report in the mail, not electronically, AND that it would take 5-7 business days to get it. They also said I will not be able to DISPUTE anything on my report except by mail. 

I think this is a clear violation of my 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 2016-08-17
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.

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 2022-03-25
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I've been scammed by a fake online company " XXXX '' who offered drop-shipping service. I've disputed this information with numerous evidence & correspondence from previous dates it occurred. CHIME did not reward me in the dispute at the end of their investigation. Although the bank has failed to follow the Uniform Commercial Code. I've lost about {$30000.00} USD in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Biehl & Biehl, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, I received a call from Biehl & Biehl attempting to collect a debt regarding XXXX XXXX XXXX On XX/XX/XXXX, I responded via email to Biehl & Biehl and provided documentation to its collection representative that the XXXX XXXX XXXX was paid in full and provided a copy of XXXX Quote ( required for the bill of lading ), a copy of my credit card statement showing the charge, and a copy of the bill of lading. On XX/XX/XXXX, I received a call from Biehl and Biehl. This time asking to speak to a XXXX XXXX XXXX. After responding that I am not with XXXX XXXX XXXX, I spoke to the Collections Manager at Biehl & Biehl and provided documentation to him via email that I am with another company and also provided documentation that my charge with XXXX was paid in full. The Collections Manager responded via email on XX/XX/XXXX " Receipt acknowledged, thank you. I will be back in touch shortly. '' No response was received. In XX/XX/XXXX, I received a letter from Biehl & Biehl addressed to XXXX XXXX XXXX demanding payment and stating that they have " attempted to contact me without any success. '' Again, I contacted Biehl & Biehl and indicated that I am not associated with XXXX XXXX XXXX and the bill of lading they provided in XX/XX/XXXX was to another company and it was paid in full as documentation I provided to them showed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.

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 2017-02-16
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
FedLoan is failing to follow the FCRA section 623 ( a ) ( 2 ) ( a ) and 623 ( a ) ( 2 ) ( b ) in reporting the status of my student loan to the credit bureaus. I have disputed this with all credit bureaus numerous times, as well as FedLoan, the Ombudsman 's Office and the XXXX XXXX XXXX XXXX XXXX and have gotten nowhere. They have all closed my disputes and failed to comply. 

My FedLoan account was granted a General Forbearance for the following time periods : XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX However during these periods of time, my account has multiple late payments reported on my credit reports. These range from 30-day lates to 120-day lates. FedLoan is claiming that since some of the forbearance statuses were granted retroactively to cover time periods that were 'Past Due ', that this exempts them from updating my credit file with the forbearance information and in turn " exempts them '' from removing the late payments on my credit report in exchange for the updated forbearance status '. 

However, the FCRA explicitly states any furnisher must take all steps necessary to ensure accurate reporting, and according to section 623 ( a ) ( 2 ) ( a ) ( b ), furnishers must also " correct and update '' information that has previously been reported but has since changed. In this instance, my FedLoan account that was granted forbearance statuses must also be updated to reflect this change. 

FedLoan is citing FCRA 623 as its excuse for not updating the information. However, they are also in direct violation of it. There is no clause in the FCRA that excludes Forbearance statuses from the 623 ( a ) ( 2 ) ( b ) rule. It, like any other piece of information that changes, must be corrected, updated and reflected on credit reports as per the FCRA 's explicit writing. 

Please assist as every one of my disputes has been denied or ignored. My only next step is to sue for damages and corrections to my credit report, which I 'd rather avoid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer had been XXXX XXXX  XXXX. In years past, we've had our earthquake insurance paid out of our escrow account. When they missed that payment and we had to pay that premium out of pocket, we submitted CFPB Complaint XXXX, to which XXXX XXXX  responded and they corrected the problem in future years. 

Earlier this year ( XXXX  ), our mortgage servicing was transferred to Freedom Mortgage. We received a notice of cancellation from our earthquake insurance carrier, XXXX XXXX On XX/XX/2022, I called Freedom Mortgage to inquire. After a XXXX phone call, I was told that I should cancel my regular ( that is, non-earthquake ) homeowners ' insurance, which was wrong. Eventually I was able to communicate the issue to the representative, who told me in no uncertain terms that Freedom Mortgage would not be paying our earthquake insurance premium out of our escrow account. I paid the premium out of pocket ( {$490.00} ) to avoid cancellation. 

Our earthquake insurance premium was paid out of our escrow in years past, so our current escrow account payment projection, and thus our payment, would have included it. We are now paying an amount into escrow that we had to pay out of pocket as well. We did not ask that our mortgage be transferred to another servicer, and we receive no benefit from our loan being transferred to another servicer, but we are now poorer for the transfer having taken place for someone else 's benefit.

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 2022-07-12
Company: Bridgecrest Acceptance Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is the second time I have lost my job while having the vehicle and struggling to make payments. I asked if there were options because according to their notifications and emails they offer assistance if you are experiencing a hardship and also informed them I have intentions of starting a new job next week to start making payments. They said the only way to stop the repossession is by making a payment. I also asked why they have a clause in their emails and notifications saying to inform them of your hardship so they can assist you. They do not have any programs available. So I said to the lady, basically that hardship and options in your emails are basically XXXX because you dont offer anything and she said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX account keeps calling 4 to 5 times a day, saying XXXX account has been compromised. I asked them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
President Trump has DECLARED A STATE OF EMERGENCY AND THERE HAS BEEN SEVERAL STATES THAT HAVE BEEN DECLARED AS AN EMERGENCY AS WELL INLCLUDING MY STATE. I keep getting calls from Navient that I have to repay my student loans despite the Coronavirus Outbreak. The news has been saying that there have been people who have died from this virus and the number of people increase in our nation have been getting this virus. With people dying and losing their jobs along with containing the spread, Navient still insists that I pay these loans otherwise they will take me to court. This is not only unprofessional, but it is highly unethical as my family and I try to survive while not getting this virus.

Company response to consumer: Closed with explanation