BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. 

I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.

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 2017-07-20
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..

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 2020-04-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my Experian, XXXX  and XXXX  credit report. ( see reports below ) There was also two recorded calls with Experian Manger and XXXX  Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) Experian, XXXX, XXXX, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED

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 2020-01-13
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We started to have troubles with our mortgage payments in XXXX. We contacted the servicer and they said our loan was not allowed to do a modification so I asked who owned our note so that I could talk to them they said that I would have to talk to XXXX XXXX  in which I called the VP and he told me they did not own our note and he sent me back to the servicer. The two companies kept sending me back and forth. So we finally just sued everyone to see who owned our note and then miraculously XXXX XXXX  said they owned our note and their attorney emailed it to our attorney and we noticed that it didn't look right. So we emailed it to a forensic to have it inspected and she said it had definitely been altered. The judge wouldn't let us do anything with the note. So we kept fighting with XXXX XXXX, and in XX/XX/XXXX we had a gentleman do research on the insurance policy that XXXX XXXX  had taken out on our mortgage. The mortgage was combined into a trust which and the insurance policy was on the trust. And in this report it showed as of XX/XX/XXXX that the bank had already been paid in full for the principle and interest by the insurance company when we went into default on our mortgage and because of the type of policy being a Class A-2 they did not have to pay back the insurance company after they foreclosed. We informed XXXX XXXX  attorney of the matter on XX/XX/XXXX and he said that they had never been paid out by a third party for the mortgage without him even having time to get with the mortgage company about this matter to find out to make sure. XXXX proceeded to foreclose on the property on XX/XX/XXXX. To our understanding with people that we have talked to that XXXX XXXX  collecting from the insurance company and then still foreclosing on the property that this is double dipping and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

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 2022-10-04
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2019 - {$72.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$180.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee I was charged a total of {$1000.00} in bank fees for unauthorized charges ; Regions moving funds from this account to another account when it would overdraw the account and applying bank fees for pending transactions that were never posted to the 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 monetary relief
Consumer complaint received 2019-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
PORTFOLIO XXXX Late Payment This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance. Please delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I accurately completed all information on XXXX, and requested a report through equifax. Equifax refused to furnish my credit report thereafter, in violation of my rights to access my report for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AL
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

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 2020-01-13
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX I was told by XXXX XXXX XXXX  that Sallie Mae had a law suit against them for lying and not giving information out the lenders. I was told by Sallie Mae to do deferments instead of a ( IBR ) Income base repayment plan. I only found out about the IBR program 7 years ago and I am now XXXX XXXX XXXX and a XXXX Veteran. I had to find out about IBR on my own with NO help from any of my student loan companies, and I have had my loans since XXXX  to present. I was told by a nice guy at XXXX XXXX XXXX XXXX  that Sallie Mae LIED about a lot of things. I am looking to get student loan forgiveness, Since I have only been on the IBR programs for 7 years and I you need 20 to 25 years to get forgiveness. I will be dead by that time comes around. So I am looking for help to file against Sallie Mae. 
Sincerely XXXX XXXX XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  AKA XXXX  XXXX says I owe for phone/internet/something service at an address I have never lived at or know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

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 2022-02-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was reviewing my XXXXredit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.

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 2020-01-13
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:
I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

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 2020-01-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In approximately XX/XX/XXXX, I consolidated my Stafford Loans with Fedloan. I have been paying my loan repayments on auto pay with my bank account ever since. I never missed or was late on one payment. I set up my auto pay to pay {$110.00} per two weeks to the sum of the minimum due ( {$220.00} ) per  month. I never received any notification of any changes to my account. In XXXX of XXXX, I reviewed my payment history and the amounts of money being disbursed by Fedloan to the Principal and Interest. To my disbelief, I noted that several months the full payment went to interest only and {$0.00} to principal. I called Fedloan to inquire as to why my principal was not going down even after paying ahead on some months and never less than the minimum required. I was told my minimum payment went up ( $ XXXX ) which I was never made aware of, nor believe is possible or legal. I added to my auto pay to make my biweekly payments {$150.00} per two weeks a total of {$300.00} per month or greater where twice a year there are moths with 5 weeks and 3 pay days. I even sent in an extra {$300.00} in XXXX of XXXX to make sure I was ahead on payments. 

On XX/XX/XXXX, I called Fedloan again as I found more transactions where {$0.00} of my payments were applied to my principal. I spoke to over 4 different people who treated me very poorly and as though I was ignorant and bothering them. Finally, I spoke to XXXX ( XXXX ). XXXX reviewed my transactions with me while I was on the phone. I used the XXXX spreadsheet to give XXXX the exact dates of my {$0.00} applied to principal. Finally, XXXX understood my concern and told me, this will go to Service Recovery Department and It is notated in the review status my concerns. I was told by XXXX that I would be contacted within a week. Here it is nearly 1 month later, and I still have no answer as to why I make the full payment and even more than the minimum payment and yet {$0.00} goes to interest. 

I will attach the spread sheet which I downloaded directly from Fedloan. Additionally, here are the dates of my questioning : ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX ). It should also be noted that many months greater than 90 % of my payment went to interest while the remaining 10 % went to principal. There were almost 60 months were less than {$12.00} went to principal per payment made. 

Again, my question which still has not been answered is as follows : how can I make the minimum or greater payments per month, be ahead on payments, and still have several months worth of payment which {$0.00} was applied to principal? I would be grateful if this can be answered and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: GLA Collection Company, Inc.
State: CO
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 diagnosed with XXXX. Treatment for my XXXX included removing  a large portion of my XXXX, basically I paid a XXXX  to remove a huge area of my XXXX. The XXXX  specialized in XXXXXXXX the area to make me look less XXXX after the XXXX. Unfortunately, there were serious problems with the XXXX  and I walked around for a year with a XXXX XXXX on my XXXX. This was very upsetting but I was happy to be alive and XXXX free. I notified the XXXX  about the XXXX XXXX on my XXXX  and eventually agreed to redo the XXXX. After 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, I was satisfied with the results. 

The total bill for all services was huge. I paid almost 90 % of the original invoice amount but I refused to pay the final {$1200.00} because I felt the pain and suffering was brutal. My opinion is and was that because it took 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, the XXXX   should reduce the total price as a goodwill gesture. 

The XXXX   refused and adding insult to injury hired a collection agency. The collection agency then listed the XXXX   bill as XXXX XXXX XXXX disclosing my medical condition to everyone. This is a violation of HIPPA law of XXXX. GLA Collection should have listed the item as " XXXX   bill '' with 3 major collection agencies. My medical condition/information should not be shared with the 3 major credit reporting agencies! 

I have asked both GLA Collections and my XXXX   to remove this " XXXX XXXX '' from my credit report and they have refused. This is terrible on so many levels that both GLA and my XXXX  think it is acceptable to knowingly share my medical condition! 

I would like the entire collections account removed from my credit report. Especially since it has been on credit report for 5+ years and the deliquency is 6+ years old! I have no intention of ever paying this expense and the statue of limitations has passed on pursuing legal action against me. 

This XXXX  and the collection agency 's motivation is only money and do not care about its patients or patient rights. No XXXX  or collection agency should every disclose a patient 's condition to anyone. 

My hope is CFPB can have my medical condition removed from all records at all three credit bureaus and GLA Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: FL
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 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX, has violated my rights. 

1

5 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 in
structions

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