BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan was deemed fraudulent it was taken out with my father who had XXXX at the time there was six loans taking out within less than six months within the back bank it was claimed to be fraudulent and everything was OK going along then my father passed away the house was given to me and now the loan was sold to another loan company and now theyre for closing on the house I really do need some help and I do have paperwork I need to talk to somebody I feel like I am being taken advantage of just like my father this house was bought in 1980 and my family live in it my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX my email is XXXX Telephone number is XXXX I can Explain mychbetter but Im just getting over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: CA
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:
At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a XXXX XXXX account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The XXXX and XXXX XXXX people reviewed my account and decided I was lying, so they reopened the account. I then contacted Equifax and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. Equifax refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A XXXX representative told me that I Could make mortgage payments in multiple payments online and my partial payments would be held until the remainder of the payment was made and would then be processed as a full payment. On XXXX XXXX, XXXX a partial payment of {$500.00} was not held and was applied to the principal instead. The remaining {$780.00} was paid before the due date which would have made the complete payment on time but instead was held until the next partial payment for the next month was made, generating a late fee and a late mark on my credit report. When I called to complain I was told that the {$500.00} principal payment would be reversed and I would be credited any late fees due to the issue. I was advised by another XXXX representative not to make partial payments to avoid this issue and began making full payments at that time. The reversal was not done as promised, no late fees were credited and after many phone calls to XXXX and promises to correct the issue by XXXX, nothing has been done. Incorrect reporting of late payments and the generated late fees have persisted every month since, adversely affecting my credit rating even though my account is current. Every XXXX representative I speak to on the phone has agreed that my account should be current if the reversal was done and late fees credited, yet no one at XXXX has actually done anything to resolve the issue.

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 2015-10-15
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX   available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: IN
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:
Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: MN
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:
The following current and collection accounts listed on my XXXX, XXXX XXXX and Equifax credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had XXXX accounts disputed and they were removed from my report now a new company reported my old debt back 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 non-monetary relief
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: TX
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 XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ). To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.

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 2022-05-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have an account with Paypal Credit. I have multiple Promotions on the account. They do not have a way to allocate your payments online so they tell you to chat or call in. I have a promo that ends XX/XX/XXXX so I wanted to pay it off so I do not have to pay any interest. I got on chat with two different people. I was told to make the payment and they would allocate it. Once I made the payment they told me that the payment would go toward next months bill and I had to pay more if I wanted to pay off my promo and not be charged any late fees.This is just not right. They do not want you to pay off the bill so they can charge you fees. Something needs to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On or around XX/XX/2021 I took out a loan with XXXX in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from XXXX. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both Transunion and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.

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 2016-06-15
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}. 

I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon. 

Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank/ Company : Synchrony ( For Mattress Firm ) I diligently make my monthly payments with Synchrony every month. In the month of XXXX I made my payment on XX/XX/XXXX in the amount of {$75.00} ( Min due was {$65.00} ). 
On XX/XX/XXXX I receive notification from Synchrony that I was past due on my account AND I was being charged a late fee in the amount of {$28.00}. 
On XX/XX/XXXX I called Synchrony to find out why my payment on XX/XX/XXXX was not applied to my XXXX bill. The Synchrony agent said that because I made my payment on XX/XX/XXXX which was the same day my statement was generated the payment was applied to the overall balance, but didn't count as my XX/XX/XXXX payment. 
I don't understand how a consumer can easily know that a payment made during a month may or may not post as their monthly payment due based on Synchrony 's crazy payment posting logic.

I made my XX/XX/XXXX payment in XX/XX/XXXX, but now I am being penalized because I made it on  XX/XX/XXXX instead of XX/XX/XXXX!? And I they charged a late fee? 
After pushing and arguing on the call with Synchrony I finally got them to waive the late fee. But an investigation is still warranted because Synchrony 's payment posting process if broken and I wonder how many other consumers were incorrectly charged a late fee because of their broken process!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information to validate the debt, you are by law required to delete all entries off my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Capio Partners, LLC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio partners continues to send us debt collection notices in the mail and call to harass us saying we owe money to urgent specialty associates. I have talk to the billing company affiliated with them on three different occasions and they say that they did not sell them the debt and they dont even use them as a collection agency. They have also told us three separate occasions that we do not owe anything to them. We have provided this information to Capio on several occasions and they still continue to call us send us notices and harass us to send them a check in the mail. They have never been able to confirm the doctor trying to collect the debt or the service that was rendered regarding the debt. This is very concerning. We believe this is a fraud and we will not send money to anyone that just asked us for money without confirming with the doctor that we owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation