BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX. My loan number is XXXX. For XXXX months my husband and myself have been trying to get freedom mortgage to correct the amount that we own on our mortgage. We have file complaints with the XXXX  hoping that they can help us resolve the issue. My husband has call a number of times and been treated unfairly. My husband and I both believe that we are being treated unfairly because we are both XXXX XXXX and my husband is also a XXXX  vet. We have spoken to a customer rep for Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. On XX/XX/XXXX we spoke to a man by the name of XXXX and he promised us that he would fix the situation and that he would call us back but never did. We then call back on XX/XX/XXXX and spoke to a escalation lead rep by the name of XXXX. She also promised us that our situation would be corrected. She also stated that she would call us back on XX/XX/XXXX to follow up with us after she spoke to the underwriter. She never called back. So my husband and I decided to sale our home and Freedom Mortgage still is showing that we owe them XXXX which HUD is also showing this amount on their end which we are being double charged because Freedom Mortgage refuse to remove it from their records and they know that they are providing false information. We also was manipulate into signing a form that we did not totally understand which caused us to owe the XXXX which we take full responsibility for it since we did not read the complete contract and just went on the word of the Freedom mortgage rep. We have tried to resolve this issue but because we are XXXX XXXX and my husband is XXXX, Freedom Mortgage refuses to correct the issue. 
The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex, familial status, national origin or disability at any stage of mortgage process. This has been very stressful and very bad for my health and my husband health well.

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 2016-06-09
Company: GREAT LAKES
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:
Student loan help seems to focus more on the younger generation. I finished school in the XX/XX/XXXX. My loans are well above {$200000.00}. I am in the income driven loan repayment plan. Because there are times when my income increased, I have to pay more money back monthly. I can not save to do some of the things I made a sacrificed to educate myself for because of how much I have to pay back. I am XXXX years old, a 21 year XXXX and can not save enough money for a down payment on a home. I did not come from a wealthy family. There was a time federal laws allowed students to write off loans through bankruptcy but that seemed to end a more students XXXX stated continuing through higher education. I am afraid to allow my loan payments to lapse because I do not want to hurt my credit. I have been told if I pay the loans for 10 years without a missed payment the rest will be wiped out. I want to live the American dream but do not know how. What are some other methods possibly that could be used to help those of us who were educated 20 years ago and have a large repayment debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MS
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 been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted Equifax, XXXX, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi States ConsumeXXXX Protection Laws. 

I will include the XXXX XXXX Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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 checked my consumer reports and i the consumer seen that there was accounts on my report that i did not give consent to be open under my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I paid off my TD Bank overdraft protection in full as stated online. Thursday XXXX/XXXX/2016 I checked my account Monday XXXX/XXXX/2016 and found I had remaining balance of XXXX I paid that amount only to find the same day another XXXX was tacked on after I made the required payment. This has happened on multiple occasions. It is a rip off of peoples money. If a payment is made the bank should not be allowed to ask for more money than originally requested on multiple occasions. I have even called the bank previously to get the amount owed. It was told to me and I paid it only to find the same thing happen. TD bank is robbing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MS
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 been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, Experian, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX 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 2016-05-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In response to my prior CFPB complaints against Equifax XXXX & XXXX I disputed XXXX judgments on my credit report. These judgments were part of the XXXX vs Equifax Information Services LLC Case No. XXXX XXXX settlement. In this settlement Judge XXXX has ordered Equifax to remove and delete all judgments from Virginia XXXX Court that are present on settlement members credit file. Equifax has refused to remove these from my file not once, but XXXX times.Today I spoke with the lawyers and counsel regarding this at XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Email contact XXXXXXXXXXXX and they have advised me that Equifax has until XXXX XXXX to delete these files of the main settlement members. My claim id is XXXX which Equifax does have in possession as they have activated my free monitoring for 4 years, which was also court ordered for settlement members. My dispute is they are not conducting proper investigations because if they did they would have seen this settlement and the requirements necessary to comply with the court order against them. I am reattaching the summary of benefits that I am due because of the settlement in which referenced the inaccurate reporting of judgments, in my case my judgments were paid off in XXXX and XXXX. Equifax failed to update their status as paid and for 4 years I have suffered at the unpaid judgments listed when they had been paid. Equifax corrected this on XXXX XXXX, XXXX to paid and satisfied, thus admitting they reported incorrectly against me for years. However they have ignored the court order to delete these which apparently they may be waiting to delete all members at once, however the layers said me providing court documents and my claim id is enough for them to delete them all completely as they will have to have completed in XXXX anyways. I am attaching their investigation where they realized their mistake and changed my status to satisfied 4 years later. I see no issue why they ca n't delete these permanently as required under settlement details. They activated my membership for credit monitoring so they are very aware I am part of this settlement. I want these XXXX judgments erased immediately they have damaged my credit worthiness incorrectly for many years. I attached my summary, court order, dispute results changing the status and the refusal to delete when they are going to have to do it anyways but they did not investigate into this settlement accurately I provided the lawyers contact above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested and got my federally required free annual credit report from EQUIFAX On the report there are comment sections associated with the accounts. XXXX codes appear -- XXXX and XXXX in several of these sections throughout the report I have talked to 4 customer service reps at EQUIFAX and they have not been able to tell me what the codes mean. How can I find out what they mean? 
It is impossible to evaluate the report 's accuracy without that information. 
Customer service was totally unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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 status incorrect

Complaint:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.

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 2021-12-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
SLS ( XXXX ) has misrepresented me by using a much lower XXXX score I have just received documents from SLS ( Specialized Loan Servicing ) on XXXX ( see attachment with errors ) We have rented rooms out to roommates/tenants to help us with our 1st mortgage monthly payment of {$4200.00} and other maintenance expenses. 

Second Mortgage - Original loan of {$180000.00} by ( XXXX XXXX XXXX ) XX/XX/XXXX to XXXX, then XXXX Then SLSXXXX ( new creditor ) After disclosing all the options with our tax adviser, he recommends the option ( in XXXX ) would be practical ( see attachment ). 
Other option offered in XXXX of XXXX, ( see attachment ) will force us to be default or foreclose later or bankruptcy Now it has increased to {$400000.00} because of the High-interest rate ( as we were victims of the predatory lending in XXXX ) SLS/XXXX refused HUD-assisted modification package SLS/XXXX has created its own MODIFICATION, demanding an {$80000.00} cash down payment with a high-interest rate on the balance of {$320000.00}. 

Due to family difficulties and additional financial expenses during the COVID LOCKDOWN AND UNEMPLOYMENT, we have used up our savings to maintain. 

SLSXXXX refused to give us an affordable modification SLSXXXX threatens us with Foreclosure as its now in Pre-foreclosure status SLS XXXX XXXX XXXX this company appears to not follow the California state laws and should be investigated. 
SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email Specialized Loan Servicing ( SLS ) representing creditor ( XXXX XXXX XXXX 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 2016-07-06
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Other

Complaint:
i paid a company for an at home business that i had come to realize took my money and did not provide me with any service at all.when i realized i had been scammed i called my discover card for help.i told my card company i did give them my information so it is not a billing dispute but more for services were never rendered to me at all.of coarse the company sent in the contract as i knew they would.they should have to prove they did the work for me.discover seems like they looked at the contract and that was it.this company is taking advantage of the XXXX and getting away with it.i wanted discover to look into it.all they kept telling me is i was out of the guidelines for a dispute.i would still like discover to investigate it .i paid them XXXX on discover and more money on other cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SUNTRUST BANKS, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I got a private student loan for my first and second year of college with Sun Trust Loans. my first year I took out XXXX with a fixed rate and my second I took out XXXX with a fixed rate. For my first loan I planned on paying the interest while in school. My payments started out pretty low and kept getting higher and higher when finally it got to {$370.00} in a month. This is something that I did not agree upon and was not in the payment plan in our contract. I kept calling and saying that I was in school and ca n't afford those payments and that was not agreed upon. After numerous calls and being late on payments, I am behind by 500 plus dollars. Finally I called again and a gentleman answered and had said that it was not on record that I was in school, so I was paying the payments that I should be paying when I am out of school. I have already payed them over 2,000 dollars in my second year of school. The man said that it would take 2 weeks to process, but I 'm still not sure if my payments will be lower. This has caused me fianancial stress and I have had to have XXXX jobs while being a XXXX XXXX XXXX. I had also a call by a debt collector and she made me give them my credit card number to make a XXXX dollar payment. Please I need advice or help to see if this is even okay for a loan company to do. Anything would help!

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 2021-11-22
Company: TransferWise Ltd
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX Transfers are deceitful. They will say that the transfer is completed. And then a day or XXXX later they will say that it was incomplete or that it needs to be funded. They take the draw XXXX. And send the money XXXX 

Theyve done this to me before, so I called them. 

I also checked my bank statement, and I reported it to XXXX, then refunded me the first time. 

But this is the XXXX time, And I have the statement attached that shows the {$110.00} that my XXXX XXXX XXXX already sent. Theyre asking me to find it again. 

They try to legitimize the transaction as an error. But theyre asking us to call them on it. And Im sure a lot of people dont even see it on their statement, or just failed to call them on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: PA
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 submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

Experian - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

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 2016-04-12
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center 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