BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CT
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 the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge

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 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In Summer XX/XX/XXXX, I closed an American Express Premiere Rewards Gold Card. 

In XX/XX/XXXX, I got an error on my account when attempting to transfer membership rewards points to an airline. I called and spoke with a representative who said I had a delinquent charge on the closed card for {$3.00}. She assured me it would be waived, manually transferred the points and said I was good. 

In XX/XX/XXXX, I noticed the account was incorrectly reporting 120 days negative on my XXXX   credit report ( while doing my annual checks. ) I called and spoke with a representative at American Express who apologized and said the amount ( the same {$3.00} ) would be waived. I called the credit reporting bureau the next week and they manually pushed an update to my credit report. 

At the end of XXXX, I got a notification that a delinquency was reporting on my account again, 30 days negative. I called American Express AGAIN on XX/XX/XXXX and they said the request for the fee waiver had been denied, but that it had been taken care of, and I could call the credit bureau to get an update pushed in 48-72 hours. 

I called the American Express credit bureau on XX/XX/XXXX and after some discussion with a representative who did not seem to understand my request, she pushed an update to my report. 

Today, my XXXX  credit report is showing that a delinquency was paid off, not that the delinquency was removed. Based on my conversations and the early XXXX update to my credit report, this delinquency should be removed as if it had never existed, not simply updated to paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2019, I deposited {$10.00} and {$100.00} into PNC interest account XXXX. The funds remain on file with PNC. 

PNC is an institution that mails periodic statements to consumers. I did not receive a periodic statement containing the required information in Section 230.6 ( a ) of Regulation DD. 

In addition, in violation of Regulation DD, Section 230.7, PNC has not credited me with the interest promised in the account agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MO
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, 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 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 2021-05-15
Company: PENNYMAC LOAN SERVICES, LLC.
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: Their investigation did not fix an error on your report

Complaint:
Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company PENNYMAC LOAN SERVICES L for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.

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 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to 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 monetary relief
Consumer complaint received 2019-12-18
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Top finance has caused much confusion and I personally feel have violated my rights. An old auto loan which they have failed to provide, a certified letter to me within 5 days that I could by back after repossession, a notice within 10 days that the vehicle was sold, and also the letter of how much the car was sold for and fees acquired were never sent to me within 30 days of the repossession. Since then the account was charged off and sent to collections but it was never fully sent to anyone so no one had this debt. I was advised by top finance to Contact XXXX XXXX XXXX  XXXX, and ACC, which has now aquired Top Financed. When I did I was advised I had no account. Now, I am being advised again by Top finance management and ACCXXXX XXXX XXXX  XXXX that I owe a debt that no one could verify and they did not have my account. This all has caused unnecessary stress and negatively affects my credit file. I have filed a complaint with the BBB requesting the proof that TOP financed notified me of the repossession and sale of the vehicle within my signature of the intent to buy back notice acknowledging I was aware of this sale. I have not received a response. XXXX XXXX the director of compliance also provided a letter with ACC which is Top Finance according to their website and phone calls that I owe no debt to their company.

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 2019-12-18
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company has failed to pay my property taxes which are now delinquent.I notified the mortgage company multiple times starting on XX/XX/19. 
I have called them multiple times as well as emailed with documentation. I asked for follow up which I do not receive. 
As of today the taxes are still delinquent. I attempted to call and leave a message for a contact person there however voicemail is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AmeriHome Mortgage Company, LLC
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: Account information incorrect

Complaint:
Amerihome is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Bread Financial Holdings, Inc.
State: TX
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:
A hard inquiry is being reported on my credit report and I did not apply for credit with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: OCEANSIDE MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint about Oceanside mortgage company.They sent a letter to me stating my escrow account was short $ XXXXsent check in they cash the check per my bank statement XX/XX/XXXX XXXXMy next house payment was suppose to be {$810.00}, but was for {$1000.00}, this shorted me on my electrical bill.Call Oceanside they would send a check to me for the they overcharged, stated i would get the check two weeks. no check came.Now it XXXX called Oceanside, they stated the would only pay the {$210.00} dollars back if I sent copy of my back statement, letter head of the back ect.I ask why do i have to prove that i sent the check and you cash it.They said its that there policy.They cost me time effort a late electric bill fax money, just to prove they cash my check..this is not common sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  XXXX sold my debt to Radius Global Solutions. I paid Radius Global Solutions and I was told that Radius Global Solutions sent XXXX XXXX XXXX XXXX notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time XXXX XXXX XXXX  XXXX replies, they continue to update that the amount is owed to them. I am attaching the letter from Radius Global Solutions as evidence that the debt is paid.

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 2022-04-30
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) XXXX, XXXX 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 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 2022-04-30
Company: Nelson Cruz & Associates LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Nelson Cruz and Associates, 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, states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.

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 2021-12-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When i began my forbearance period with Santander Bank, I was told that my payments would be frozen and they would be added to the end of the loan. I was a bit skeptical, but was on the phone with the bank as well as the XXXX XXXX ( XXXX XXXX : XXXX ) and i received confirmation that the loan would be frozen and any missed payments would be added to the end of the loan. Now, my forbearance period had ended. In speaking with XXXX XXXX in executive relations for Santander Bank, she did confirm that my loan was paused/frozen, but i am still responsible to pay all of the interest that accumulated during the forbearance period. the only options presented were to either pay one lump sum now, including all of the interest that accumulated during forbearance. Pay it at the end of the loan in one lump sum or have all of the missed payments including the interest spread across a new 40 year loan. Hence, i will be paying interest on interest on a new 40 year loan. I asked about the option to add the missed payments to the end of the loan and extend out by that amount and i was told that it is no longer an option and i could refinance the balloon payment once i pay off my mortgage. I asked why am I responsible for all of this interest during my forbearance period if my loan was frozen or placed on pause. XXXX went around the answer and just told me that i would have owed that interest regardless if i had been making my payments. I feel that Santander took advantage of my situation and is now going back on the agreement to make more money off of my situation. I have offered to bring the loan current with some money my parents are lending me if they can remove the interest that should not have been accumulating during the forbearance period. i have been told no. I feel they took full blown advantage knowing that i was in bad situation and lied to me and now do not want to take responsibility for the information that was conveyed to me. Santander should make this right and remove the interest on the loan as it should have been frozen. Ideally, when i came off of forbearance, i should have only been responsible for the escrow that accumulated during that time and when i restarted payment, it should have been at the same amount when i went into the forbearance.

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 2017-04-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am still currently in school and will not graduate until the XX/XX/XXXX. On XX/XX/XXXX, I submitted a {$1500.00} payment. The payment was not required. I am trying to be responsible and pay down my student loans before I graduate. Great thing, right? When I submitted the payment, I asked for it to be applied to my oldest loan that has the highest rate. The payment was instead applied to principal and interest. Thinking there was a misunderstanding, I 've asked three times now for Nelnet to correct the payment. I 'm not sure why an active student would want to pay principal and interest instead of paying down the principal - but hey! I 'm not a lender. Not only has Nelnet not corrected this matter, which only required simply following my wishes for the EXTRA, NON-REQUIRED payment I made, I now have received a response that they applied the payment to my newest loan. Coincidentally, that loan has a lower rate than the one I asked the payment to be applied to. They also backdated my XX/XX/XXXX payment to XX/XX/XXXX. Does that seem unusual to the CFPB to me? It sure seems deceptive and abusive to me. It seems as if the lender is going out of their way to ensure I DO NOT pay down debt at a higher rate. Considering how much time I 've spent trying to resolve this, including now writing to the CFPB, I 'm not sure I can even trust NelNet to handle my next payment correctly. Please investigate!

Company response to consumer: Closed with explanation