BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have had an absolutely terrible experience with XXXX ( formerly campus partners ) for small supplemental loan that I took out during XXXX school. The number one problem for me is that they keep charging me redundant late fees because they can not accurately apply my payments to my account. I agreed to pay the XXXX and XXXX ones ( after they told me that are " unable to make adjustments to the account '' or remove late fees ) but after I was charged a third one that was the last straw for me. The second and third ones occurred while the account was in autodraft status, so there should never have been an issue. Further, I was told that the third late fee occurred after I received correspondence saying I owed the second late fee ( which I never received despite accurately updating my address with the company ... .they actually confirmed that the letter was sent out one day after my address was changed ). Their response was that they can not be held responsible for the US postal service. Well apparently they ca n't be held responsible at all because the last person I spoke with on the phone confirmed that I had been erroneously charged the late fee but there was nothing she could do about it and no supervisor I could speak with ... my only option is to submit a request in writing by mail. Furthermore, XXXX of the XXXX customer service people have been extremely rude and unprofessional. Their online interface is archaic and prone to errors ( I am trying to pay my loan online as I type this but their site is " down for maintenance '' ). Every avenue with which I try to make a payment is associated with some kind of service charge. It is unbelievable how terrible his company is and how there is no hierarchy in their company so that I can speak with someone that may assist me adequately ... there is absolutely no accountability. 

When asked on this site what my issues were, I would have checked all the boxes if I could. My problems have included : -Making payments, getting information about my loan, managing my account -Trouble with how payments are handled -Do n't agree with fees charged -Received bad information about my loan -Need information about my balance/terms -Keep getting calls about my loan -Having problems with customer service So essentially everything. Basically their customer service is terrible, their website/payment system is terrible, and they can continuously charge extra fees without any accountability. Worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CITIBANK, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Continuation of XXXX In the forensic report the MERS : is yes at this time the status was changed after the report. 

Thank you very much for your very rapid and expedient response. Although you have answered all of my concerns in the previous letter, I am still not satisfied with the response being that PHH Mortgage can hold my {$55.00} ( which was a claim check from the hurricane damage to the property ) and claim that it belongs to them under Paragraph 5 which states because property was purchased through foreclosure. I did a forensic audit report on the property on XXXX of XXXX and it stated that XXXX XXXX , XXXX, Lender was a California Corporation was not a licensed corporation. It states, and I will attach a copy for you to review as well : The end result would be that the mortgage file, or any part thereof ( mortgage or security interest ), would not have legally been transferred to the trust to allow the trust to be considered a holder of your mortgage entitled to bring the foreclosure action, as they would not be a proper party before the court. You can read this information along with the rest of the report. This particular quote is on page 7.  My question to you is, how is it possible for the mortgage company to acquire my property if the original agreement was obtained fraudulently according to the findings described in the attachment? 

All I am trying to do is keep my property and your company insist on fighting unnecessarily. This house has been in my possession for 30 years, and my familys possession since XXXX. I have described to you how much I would pay for the purchase of my property and that included the {$55.00} ( which was a claim check from the hurricane damage to the property ) which I believe to rightfully belong to me, bringing the amount again to {$210.00}. This offer was denied, that being stated again how can an illegal mortgage company sell something legal under illegal pretense? 

Please see : Transcript Of Federal Judicial Act, of 1789 Chapter XX, Section 11 and PSA pages 53 and 116 I look forward to hearing from you very soon and please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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 2021-06-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX, Equifax and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
I am a Citi XXXX user. On regular basis, I pay my dues and use the card for most of my transaction. For two simple reasons I use this card regularly. 1. I want to use one card, so that I can check my expenditure on regular basis. 2. cash back offer of the card. 
I paid in total XXXX ( XXXX ) last Monday ( XXXX/XXXX/16 ). 
I have a credit limit of XXXX. I had to pay some insurance bills, which is around XXXX. And earlier I had dues of XXXX. So I paid my dues as I do always & after paying, I wanted to pay my Health insurance bill and it was rejected. 
I tried to call, msg, email. But every time different answer. 
No one gives me proper solution. 
Now I received a reply where they are saying The payment of XXXX is on hold. There msg reply given below : " Our records show the hold on your payment will be removed from your account on XXXX/XXXX/2016. You should have access to these funds on XXXX/XXXX/2016. '' I would also like to add, today I have direct deposited ( Which I always do ) from my checking account XXXX. Now in all together my dues XXXX. But available balance still showing XXXX as earlier. 
They are not providing proper solution and I am stuck.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from 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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from 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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with TransUnion expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is 20 increase in 11 months and despite XXXX snd XXXX removing such unautherizrd inquires transunion refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

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 2017-03-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have encountered several incidents of financial identity theft dating back since XX/XX/XXXX. On XX/XX/XXXX I was notified by a Notice of Adverse Action of a debt I do not owe. A payday advance loan was applied for using my personal information. I did not apply for this loan nor do I know where the money has been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Some of my loans were consolidated with out my approval. Now as i 'm paying off individual loans to get my payment down i have a large balance that instead of XXXX or XXXX smaller loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened an Amazon credit card with Synchrony bank. They charged me for XXXX XXXX {$14.00} a month. I paid it twice before I noticed. When I noticed the fee I called to complain, requested a refund and to close account to no avail. Today I was charged {$14.00} again. I called XXXX numbers to close account, request refund and cancel prime membership. They had me sign into account verify calls etc. Then i get an email stating that they are closing current account for fraud and sending me a new card. Amazon is committing the fraud amazon is the one charginf me fees. I dont want a new amazon card its amazon thats causing the problem. They wont stop charging me or close the account. I want Amazon and Synchrony to close the account and stop billing me for services I dont want and did not 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 monetary relief
Consumer complaint received 2016-07-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX : Request for investigation to correct my Credit Report Penny Mac USA Loan # XXXX To whom it may concern : Two years ago I borrowed money from Penny Mac USA as a Co-Borrow. Last week I discovered that during the last 24 months, payments were not made timely and several payments had not been made at all. 

On XXXX XXXX, XXXX I was denied a home equity loan with XXXX XXXX. That was a Red Flag to me as I " have not '' been denied a loan in the last 25 years. 

As a XXXX I have spent my entire life protecting my credit. ( EXHIBIT A - See attached XXXX FICO score from XX/XX/XXXX at which time it was XXXX ) This has been hanging in my office for nearly XXXX years. 

I pulled my XXXX credit report. ( EXHIBIT B - See Attached ) Note that every debt without exception says NEVER LATE, with XXXX exception - Penny Mac USA. 

On Friday XXXX XXXX I immediately mailed a Cashier 's Check in the amount of {$7000.00} to bring this loan current. ( EXHIBIT C - see attached ) In the banking industry when a loan is delinquent or past due, " Best Practices '' would dictate notifying all " Co-borrowers '' if the situation was not immediately resolved by the primary borrower. 


According to the Bureau of Consumer Financial Protection, Regulation X, 7. Early Intervention with delinquent borrowers ( XXXX RESPA Servicing Final Rule. ) " Servicers must establish or make good faith efforts to establish live contact with borrowers by the 36th day of their delinquency and promptly inform such borrowers, where appropriate, that loss mitigation options may be available. '' Please note that this final rule does not say only contact with the primary borrower, it says " borrowers ''. Plural - BORROWERS The purpose of this letter is to inform you that I consider PennyMacUSA 's servicing ( handling ) of the above referenced loan has been GROSSLY NEGLIGENT PennyMacUSA " NEVER ONCE '' contacted me as the co-borrower regarding any late or delinquent payments. Not one phone call, Email or letter was ever sent to me, yet the delinquency was continuously unfairly reported to the credit agencies. 

I have made multiple ( seven phone calls ) to PennyMacUSA and they tell me they MAY have a policy ( protocol ) issue as it relates to contacting co-borrows but say they can do nothing to help me fix this situation. 

I am not sure what can be done at this point to my credit, but anything that I can do to assist you in helping me restore my credit would be greatly appreciated. 

Please feel free to call me on my Mobile ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: SYNCHRONY FINANCIAL
State: AL
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 detected an unauthorized credit card inquiry on my credit with Lowes/Synchrony Bank. The inquiry was on my report from a while because I have checked my report. 
I did contact Synchrony Bank by phone and was told that it was possibly an error. I do not have an account with Lowe 's nor did I apply. I was told to submit an dispute letter and it will be removed. I submitted the dispute by mail and received an letter back saying that the information was accurate.I do not own a home, nor do I shop any Lowes or any other hardware or home improvement store. 

I called XX/XX/2019 back when I received the letter and I talked to a customer service representative named XXXX, with Synchrony Bank. XXXX looked into the matter while I was on the phone. She placed me on hold for a while, when she returned, she stated she was removing the account from all three credit bureaus and it should be removed in 30 days. It has been over 65 and the unauthorized inquiry is still on my credit report and is causing damage to my score. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Synchrony Bank are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-07-18
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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 2017-10-14
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had leased a XXXX XXXX XXXX in XXXX for 3 years with XXXX miles per year through Honda Financial Services. All the payments were made and nothing outstanding left on the bill. had the inspection done on the car on XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I returned my lease to the XXXX dealership. Apparently all was good received a copy of the odometer report which had over XXXX miles left on it, the only thing I received back was my handicap plate. On Friday XXXX XXXX, XXXX we received a notice from Honda Financial Services that stated - Once the vehicle is returned, you will be provided with an " Lease End Balance Statement '' reflecting the final amount due which may differ from this preliminary statement. We did not receive anything. They are requesting {$350.00} Turn In Fee. There is not and was not anything at anytime that reflected a return fee, it further stated that if I was to release a vehicle they would waive this charge. We are waiting to receive the actual bill however I am beyond words as to be being charged after paying my lease in full car returned in good shape and then a charge for returning the vehicle at the end of my lease. I understand that they give you 25 days to pay otherwise they sue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My attorney yet again recommended me to do this. I have been dealing with this company since XXXX XXXX. XXXX which was a dispute for an XXXX XXXX transaction on XXXX XXXX in the amount of {$380.00} that was taken from my card. So I contacted Albert via text and they said Hi, we reviewed the transaction issue you reported. The transaction was authorized at the time it was initiated, so it is not eligible for credit from Albert. Please work directly with the merchant to resolve the issue. Let us know if you have any further questions.

So after that I told them they cant limit the disputes. I requested for their legal team information but they refused.

So days later I file a XXXX  complaint against Albert and submitted a screenshot of the response I got from XXXX which XXXX said Based on the details you provided we recommended you to contact your financial institution and initiate a chargeback. 

We can not do anything once funds are taken from your card. Even if it is Unauthorized or the funds do not properly transfer. 

We are sorry we couldnt be more of assistance to you. 


Yet still after that Albert even refused through XXXX.

So now were up to this point t where Im filing this complaint in hopes to have Albert reimburse these funds that were removed.

There are many banking regulations they must follow and if after this complaint they dont give me a right to file my dispute and end up having my dispute to be rejected in a sense of time frame then they should know this complaint and as well the XXXX  complaint and all correspondence I had with them will be used in court when I give my attorney they green light to proceed further with litigation which not only will Albert have to give back my funds but they will be paying me back court fees, attorney fees and as well any damages that me occur even if that is on a financial level.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation