BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, Experian, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, Experian, and XXXX  are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. XXXX, Experian, and XXXXx dispute results are additionally attached.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing with Transunion and they do not want to fix issues. They keep saying the item is accurate when it is not. I contacted the creditor. They told us the problem is with the Credit Bureau and they need to fix it. The creditor then provided me with letter that you will see attached as proof. They gave this letter to me so that I can have Transunion fix it. I sent this letter to transunion certified and they are yet to pick it up. The item in question is for XXXX XXXX XXXX. It was closed and charged off. The account number is # XXXX and it was charged off and closed on XXXX and Account # XXXX was closed and charged off on XXXX. It is showing on credit report as opened and not charged off with a monthly payment. There should be no monthly payment shown either.

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 2015-06-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My wife and I believe we were denied an equity loan based on our age. Here is the story. 
We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}. 
We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was steered into a prolonged period of general forbearance by my loan servicer ( FedLoan Servicing ) from XXXX of XXXX through XXXX of XXXX. My partner lost his job, cutting our available household income in half, but since we were not married, his loss of income did not lower my monthly IDR payment, and I was told that my only option was to go into forbearance if I could not afford my payment. The result is that I lost over 20 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XXXX of XXXX, but I still have two more years before I will be forgiven because of this bad advice to stay in a prolonged forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Financial Business and Consumer Solutions.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Patient Accounting Service Center
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My carrier of the XXXX XXXX XXXX  delayed to pay my medical fee to XXXX XXXX. My carrier paid medical fee on XX/XX/2022. The debt collector issued the letter on XX/XX/2022. It looks like the letter from debt collector, ARStart went wrong. Please see the attached file of the EOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The dispute began on XX/XX/2019 for {$XXXX} with XXXX XXXX this is when I called BOA ). I went to XXXX to purchase a BBQ smoker but the box contained only half of the products inside. When I went to return the product they said it cant be returned since half of the things were missing. SO I was stuck disputing it. 



Bank of America claims a letter was sent out XX/XX/2019 for more information but I have not heard a single thing from them, I asked them if they called and they said yes on XX/XX/XXXX which is way over 60 days later and also thats the exact day they reversed the charge and put it back on my account. 

They were rude to me, made me wait through 45-50 min phone call waits and kept transferring me from one person to another. I want to take them to small claims court. 

They have passed there statue of limitations and then claim its my fault that the claim was against 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 explanation
Consumer complaint received 2016-02-11
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2013 my wife and I moved to XXXX to help our son with his XXXX children who was recently divorced. Because of his job requirements to travel often during this particular time frame we decided to rent our home for a few years or at least until they were old enough or until his travel requirements would change. A few months after we moved we got behind so we submitted a request to our lender for a hardship mortgage modification because of my wife losing her job and soon became XXXX from XXXX a year before. Making mortgage payments soon became a struggle. We soon became desperate and eventually heard about a company via a radio ad called XXXX XXXX out of XXXX Utah. Needless to say it was the biggest mistake I have done in my life. They painted a rosy picture of course and it sounded so promising. They inform not to make any Mortgage payments and not to contact anyone but them and they would do everything. All we had to do was pay m a money instead of making regular mortgage payments. we 're at the brink of losing our home. Both of us are over XXXX and our credit is about to be ruined over this. can someone please shed some light on this situation for us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent letters to XXXX and Transunion about these false negative accounts on my credit report last XXXX XXXX, 2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2016-02-22
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: AZ
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 sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2016-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company 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 2022-06-20
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!

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 2016-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I attempted to withdraw the {$100.00} balance from my Skylight One debit card. According to their website, there are no fees associated with withdrawing funds using an XXXX XXXX XXXX. See attachment 2. 

I looked up XXXX XXXX XXXX on the Skylight One website and went to XXXX, which was on the list provided. https : //www.skylightpaycard.com/account/move-money-menu ( attachment 1 ) I put {$100.00} as the amount to withdraw. The ATM said there insufficient funds and wouldn't give me any money. I tired again, same thing happened. When I got home, I checked website ( see above ) to see what went wrong, and found two {$1.00} debits charged to my account. 

I called customer service 3 times to get a satisfactory explanation for the fees, but they were not helpful at all and I was disconnected twice.

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