BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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 XXXXXXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX us debt of EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX us dept ed, # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights 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 2020-03-04
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a customer of Discover Bank for five years. They have a bill pay service common to most banks. Some bills need to be mailed up to five days in advance of their due date. Recently, they made a change where you can not send out a bill payment unless those exact funds or more are in your account. This will make it so my bills will arrive late. 

For example, lets say I have a bill that is due on Tuesday. In this example, lets say my direct deposit arrives the Friday before. In the past, I could send my bill out on Tuesday or Wednesday the week before the bill is due, knowing that my direct deposit on Friday would arrive. 

The bank is nannying me to the point where I cant conduct business regularly. I tried calling them to see if they would change this, but the phone attendants are no help. They did not make this policy they can only apologize and explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: GA
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:
I was received numerous emails from equifax mortgage and XXXX. I have four inquires from Equifax mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what XXXX is. These two companies somehow was able to pull my credit by obtaining my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Army and Air Force Exchange Service
State: GA
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:
* I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2016-08-16
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The initial compliant number was XXXX Pennsylvania HIGHER EDUCATION ASSISTANCE AGENCY in XXXX, PA are still attempting to collect a purported debt that is not owed at all. They stated that they are not going to do anything else and here is proof that they are XXXX LIARS. XXXX XXXX, has been satisfied with the payments that have been provided and XXXX, is not collecting so why am I being harassed Pursuant to section 806, 15USC1692d ( 1 ), and ( 2 ) by A XXXX SET OF DEBT COLLECTORS, I am nervous and upset by them attempting to GARNISH the little money that I make and I have been working with the XXXX XXXX XXXX XXXX teaching school for the past 15 years and this CORPORATION is trying to garnish my pay. I really need to be compensated for their disregard for the CEASE AND DESIST ORDER. I am filing another complaint so they will know please do not attempt to contact me again. I will also file a Court case against them if they call me a borrower one more time. I also need them to send me a check in the amount of {$10000.00} for harassment. These people XXXX do not want to work and want me to become a slave for them. I am already dealing with enough. I do not want to see anything but a check in the mail. These XXXX better obtain a job like I have and they have the nerve to want me to send my information to them concerning my banking and investment assets really. These people need to send me money for even asking about my private information. XXXX CEASE AND DESIST, CEASE AND DESIST CEASE AND DESIST. The rest of the DEBT COLLECTORS have been satisfied and here you come trying to get my signature so you can obtain money there is none so why are you trying to steal from me. STOP STOP STOP. I have the full faith and Credit of the United States and this DEBT COLLECTOR is in Commerce not I a Natural Person who has power to obtain anything for family, personal, and household use. The CROOKS ARE IN COMMERCE. ESPECIALLY XXXX XXXX XXXX XXXX I KNOW NOTHING ABOUT THESE CROOKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions. 

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have 2 accounts from XXXXXXXX XXXX  thats in collections. Theses creditors are arrogant and cursed me out multiple times after i asked for a validation of the accounts. Transunion has these accounts on my credit account with multiple FCRA violations. I asked for it to be deleted due to the violations and i was told it was verified. Seems like no one wants to help. Your my last hope.

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 2015-12-30
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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:
Experian and XXXX are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the trustee and executor for the estate trust of my parents who are both deceased. About ten years ago ( this is my best estimate ) I opened a savings account at Well Fargo, ( it may have been Wachovia at that time I do not recall with certainty ). The name on my checks for that account is XXXX XXXX or the XXXX and XXXX XXXX living trust. I, XXXX XXXX deposited {$60000.00} in that account on the death of my father, which was the proceeds of an insurance policy purchased by my father and for which I was the beneficiary. When my mother was alive I used that account to pay for day care for my mother who had XXXX. She has been deceased for a few years and now, many years later the bank has denied me access to that account, insisting that I provide a letter testamentary to get access to that account. I went to the XXXX XXXX Probate office on XX/XX/2020 to see if maybe I missed something when I had gone there after the death of my mother. Once again the probate office asked me if there were any assets that were not in the trust. The answer is No. This means there is nothing to probate, so they can not give me a letter testamentary. I have spoken to the Wells Fargo employee who works at their XXXX Branch. She is very nice, but all she knows is the letter testamentary, I am unable to talk to anyone at the main branch with some expertise in trusts and estates and hence I continue to be denied access to my savings account. I'm able to talk to my doctor, even to see my doctor if necessary, I am able to get my hair cut, but I am unable to even get a phone appointment with Someone at the main branch with some knowledge of trusts and estates. They just do not answer the phone there. I assume at least some employees are working because I am not reading about bank employees starving because they have no money.

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 2015-04-04
Company: Debt Recovery Solutions, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. 

The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My husband and I applied for the expanded REPAYE student loan repayment program in XX/XX/XXXX in hopes of reducing our payment to 10 % of our discretionary income. In XX/XX/XXXX, after hearing nothing on the plan change, I contacted the servicer and was told they had n't even processed the request. I was told it would be expedited and processed in 30 business days. In the meantime, we would owe a one-time forbearance fee of {$5.00}. 

After receiving bills for XX/XX/XXXX and XX/XX/XXXX in amounts of {$0.00}, {$10.00} and $ XXXX+ ( all for the exact same account ), I called in and was told that those were sent merely as part of the plan changing process and that we owed nothing. Two weeks later, I received both a " delinquent account '' email and a paper letter ; however, I had been told I owed nothing when I called in. 

In XX/XX/XXXX, I finally received documentation that my REPAYE request had been processed and received my first bill. I called my servicer because the amount was HIGHER than it had been on my old IBR ( XXXX % ) plan, with no large change income. They confirmed that the amount they 'd calculated was incorrect ; my husband also has federal student loans, is also on PSLF and we file jointly. They had not considered both our debts when determining our payment amount, even though we had properly submitted all the necessary papwrowrk. 

After being told we owed no money when I called my servicer XX/XX/XXXX, today my servicer also required that I go on a forbearance plan for XX/XX/XXXX $ XXXX+ payment or make the payment to keep my loan in good standing. I was also told that changing from IBR to REPAYE plans was a 4-month process, despite being previously told on several occasions that it took 30 business day at most. 

We have been in the income-based repayment programs since they debuted in 2007. My loans have been moved from servicer to servicer and annual updating has been a hassle nearly every year. I waited on the IBR/PAYE expansion to pass and become available and have now waited 7 months to take advantage of the program. It was intended to help people, but the servicer seems to have no interest in actually putting people in the program. When we call in, we can never get consistent answers ; we are n't even able to speak with the same person again deposits having employee names and servicer numbers for each calls. 

My loans have been kept current ; we have been forced to take short forbearances several times since 2007 due to delays by my servicer and miscalculations in payment amounts on the part of our servicer. Our PSLF date just keeps getting jumped further and further away while I continue to try my best to jump through the numerous hoops being sprung on us by the servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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 information incorrect

Complaint:
XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.

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 2020-10-01
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XX/XX/2019 i walked into XXXX  of XXXX  XXXX  for a estimate. i was given two. for two different procedures. filled out papers for " payment plan '' no follow up or appointment were made, that was the end of that.XX/XX/XXXX i received a credit card XXXX XXXX XXXX. i called XXXX  office  and they said to go ahead and activate it. i scheduled an appointment that day for XX/XX/XXXX to get my XXXX  XXXX  for {$790.00} which was one of the estimates from the XX/XX/XXXX visit. before my XX/XX/XXXX appointment i activated the card and set it up for on line use. so when i looked at the statement online there was a charge of {$2500.00} for " merchandise '' from the XXXX  office, and paid by comenity bank, which posted on XX/XX/2019? without ever doing any work the XXXX  office  already paid themselves! i contacted the bank and they said they will fix it. i informed them that i was going to get my XXXX   XXXX  that day and the estimate was for {$790.00}. and after the procedure i was handed a receipt for {$790.00}. which happened to be the same paper as the estimate. anyhow after months of going back and forth between the XXXX  and the bank they did adjust the balance. still for a {$790.00} for work that they actually did do i still had a balance of over {$1000.00}. the statement from the XXXX  is so redacted only a charge for {$2500.00} for " merchandise '' is all you see. the receipt was for {$790.00} what was the over charge for?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Exeter Finance Corp.
State: SC
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:
Every time that I dispute this item with the credit bureaus, Exeter Finance makes updates to my accounts resulting in a credit score drop of 20+ points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my XXXX score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation