BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.

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 2015-12-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon searching whether this company is licensed to collect a debt in Louisiana and they are not. They are listing XXXX collections on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received an email on XXXX/XXXX/17 stating that Navient ( XXXX XXXX ) had a lawsuit against them for not giving their borrowers the opportunity to make arrangements on their student loans. I have student loans through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XXXX this company claim I had late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
and in XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan is managed through Navient. I had been making payments towards my loan even though my due date was not until 2018. I thought that the payments I had been making were being applied towards my principal but over the last couple of months I noticed that my principal was increasing instead of going down. When I called Navient they told me that my payments were being applied to the interest that I would accrue until 2018 and until I paid this off then the rest would be applied towards the principal. I told them that why would I pay to defer my payments when I know I am accumulating interest? This option makes no sense and I do not recall signing up for this. They automatically put me on this plan which I would have never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: Oracle Financial Group LLC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple harassing calls from OFG LLC ( XXXX ) asking for XXXX XXXX. XXXX is my wife 's ex-husband 's wife. My wife and ex-husband have been divorced for 20+ years. I 've asked them to stop calling, I 've attempted to explain that XXXX has n't ever lived at my place or had my phone number, but nothing seems to help. I 've told them multiple times that future calls will be considered harassment, but they continue to call, asking me to leave a message for XXXX or to put XXXX on the line. Representatives are rude and belligerent, making crude remarks and cursing at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency is continually harassing staff at my place of business to try to collect a debt that is not mine. Agency is asking personal questions about me to other people at my place of business. Agency is threatening to garnish wages without justification. Agency has not honored repeated requests to not call again, especially to my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Greene Finance Corporation
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I disputed this with you in XXXX 2015 Case number : XXXX. This debt is not mine but continues to remain on my credit reports. The company 's only response to my dispute through you was TEST. I have heard nothing and received nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Admin Recovery, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
was being reviewed for modification options. Green tree sent letter stating that client did not meet XXXX or more of the basic eligibility criteria XXXX which letter is attached ). Green tree failed to provided detail of what criteria client did not meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am submitting a formal complaint against my mortgage company Pennymac for false claims that I owe them personal property tax that was already paid from my escrow account last year. Per my tax return statement from Pennymac & XXXX was paid in personal property tax to the county and I had an ending balance of {$810.00} in my escrow. I had no negative balance reported. So it is no way I owe them money and there were no double payments made as they are claiming. My mortgage payments were XXXX, which includes the escrow amount. Now they are charging me {$3600.00}, which they providing a false explanation that my taxes went up to {$11000.00}, which my documentation from them and the county does not support. I was told that they are looking into this, but they already have the documentation from the county along with the information they sent to me. I feel like I am being scammed out of my money and I want it refunded and my account to be updated correcly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BB&T CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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 account. With in 30 days.

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 2016-03-16
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for 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 2016-12-16
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. The debt is not mine, and I would like it to be removed as its reporting to the credit bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a cancellation of debt notice and I see that the debts are still appearing on my credit report, I have it understood that since I received a XXXX I am no longer liable for these debts.

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 2016-12-27
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
information such as birth year is wrong on credit report, as well as previous addresses and previous employers. the items on the report i have no knowledge of before this report and have been trying to report fraud since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: First Data Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a bankruptcy that is reporting on my credit report that is not mine

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 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an entry on my credit bureau for XXXX XXXX / XXXX as I have no knowledge of this account. Transunion responded on day 31 that it met FCRA reporting however has not provided me with a response as to why they believe that or what information was provided by the creditor. I beleive that any information provided by their client would also prove to be in error

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 2017-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax refuses to verify credit inquiries on my file Equifax states it 's a matter of factual data. How can Equifax make that claim if they are not investigating the issue, stating that if I feel the info is false contact the creditors directly The creditor reported the false info in error and Equifax, the bureau of public record keeping should feel obligated to make sure the info they are keeping is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I put in a dispute with TransUnion on XXXX/XXXX/2016 for a collection on my credit report that is not mine. I called around to XXXX different hospitals and also XXXX and no one could give me a direct answer for what this charge was for. I then had them resubmit the dispute for the same reason. When I called over a year ago ( the first time ) for this dispute I was told it was for a XXXX, I have never had one of those and told them that last time. I am getting nowhere with this and it is not fair that it is hurting my credit score.

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 2016-05-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

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 2016-09-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This item should 've been removed from our credit reports. Please see the attached letter.

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