BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: FREEDOM FINANCIAL NETWORK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I was a customer with Freedom Debt Relief ( FDR ) from XXXX XXXX XXXX, XXXX. My payment to them for the 18 months I was a customer was {$280.00} per month. I made 2 additional payments of {$300.00} in XX/XX/XXXX and {$1600.00} in XX/XX/XXXX. FDR also collected monthly fees from me each month in the amount of {$21.00}. The total funds they collected from me in the amount of time I was a customer was {$6800.00}. 

My complaint is that out of all the deposits I made, totaling {$6800.00}, FDR only paid {$550.00} towards my credit cards. A total of 2 settlements were made on my behalf yet they charged me for 6 settlements. One of those 6 settlements was debited to my account on XX/XX/XXXX, AFTER I was no longer even a customer. 

I was told when I signed up for services if I paid any monies in addition to deposit of {$280.00} per month, that my credit card debt would be paid down faster thus expediting my graduation date. This did not happen. All the extra deposits I made into my FDR account was absorbed by FDR for settlement fees. 

Also, statements indicate a payment towards XXXX XXXX of {$270.00} for 7 months, but this does not reflect anywhere on my FDR Dashboard online. I attempted to print information from my FDR Dashboard but settings for the FDR website prevented me from doing so. I was able to screenshot this information, however and will attach with my other documentation of evidence. The dashboard information indicates only 1 payment was made towards my XXXX card of {$540.00} and 7 payments were made towards my XXXX XXXX card of $ XXXX says nothing about the other payments which are listed in my statements. 

In XXXX or XXXX of XXXX, when I spoke with a representative on the phone about making an extra payment to get my debt paid down so I could clear up my credit faster, he explained to me that the extra funds would be placed into my account and eventually put towards my credit card debt. Not one time did he reveal to me that if I put an extra {$1600.00} the TOTAL amount would be used as FEES to pay FDR themselves. If I was told this information I would have used this money to pay bills and not given it to FDR. I'm sure the call was probably recordedplease refer to this phone call. 

In early XXXX when I fired FDR, the company made to attempts to SEEMINGLY want to speak to me to resolve this matter, however when I went to respond to their 2 emails ( one to my personal email and one to my XXXX account ), I did not get a response and I was blocked from responding on XXXX. At the end of XXXX, I sent a certified letter to the company asking them to work with me to resolve this matter and again, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.

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 2022-07-31
Company: EQUIFAX, INC.
State: IL
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:
Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX and XXXX XXXXXXXX Acct # XXXX and XXXX 

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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

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 2018-11-29
Company: Law Offices of Les Zieve
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/2017. During this time we faced a tragedy. My husbands father was kidnapped and XXXX XXXX going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with reoccuing XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted XXXX XXXX XXXX  in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. XXXX XXXX XXXX refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XXXX XXXX at XXXX XXXX the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called XXXX XXXX XXXX, well I looked them up and it just so happens that their DBA is XXXX XXXX XXXX.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NATIONAL RECOVERY AGENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
To whom it may concern : In accordance with the fair credit reporting act, this creditor ( American Honda Finance ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX which has now had legal trouble and basically all these loans are being forgiven. I contacted my servicer, Navient, about getting my remaining balance forgiven and I was told : " Thank you for contacting us regarding the settlement agreement announced on XX/XX/XXXX To be eligible for forgiveness under the settlement agreement, your loan must have been in default as of XX/XX/XXXX Your loans were not in default as of XX/XX/XXXX and can not be included in the loan forgiveness under the settlement agreement. Please understand that the terms of the settlement were agreed to by the participating states ' Attorneys General and Navient has no authority to alter or deviate from these terms. '' So basically because I was doing the right thing and paying my loan on time I get the short end and have to repay while someone who defaulted gets to have everything wiped clean. I have a family to support and couldn't afford to hurt my credit by just not paying so this seems completely wrong. I spoke to XXXX XXXX since I also had some federal loans and they are helping me and when I brought this up to them they said they had never heard of such a thing. Here is my loan info : Loan number XXXX, remaining balance {$5800.00}, initial loan amount {$15000.00} Please assist as this seems wrong to punish me for paying my loan and I can't imagine this is in the best interest of the consumer, it seems to only benefit a lender to keep getting money from people who pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 at XXXX I called to discuss the debt with the collection company. I was asking why my move out statement shows an outstanding balance of {$1000.00} but their charging me {$1500.00}. They stated they are unable to see the statement. I asked for the email address so I could forward it to them. The agent proceeded to inform me I have until XX/XX/XXXX at XXXX to pay the balance of {$1500.00} or else the would proceed with " legal action '' against 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 2017-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus Experian, XXXX and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.

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 2022-07-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
my card was showing XXXX  message at the pump at XXXX  is is a logo card for the wholesale store and is a membership card and a credit card through comenity capital bank. I called the XXXX # on the card several times starting XX/XX/XXXX. They said it was a system issue and should be resolved. I called again on the XXXX and they said it will be resolved on the XXXX,,, i tried again and it still didnt work same XXXX message. Both times the attendant at the gas pump said i must not have paid my bill. Each time i call they sauy there is nothing they cand do. I asked to have a Super call me and instead had to wait XXXX minutes since they dont make outbound calls. I called again on the XXXX and was told there is nothing they can do, In the meantime, it cost me an add'l XXXX per gallon at the XXXX XXXXs pump and I have to use another card. I shouldn't have to pay a fee for this abuse. And they should make it up to me for the loos of time and money this inconvenience has caused. As i write the card is still not fixed. And they say don't worry you are not the only customer impacted there are lots... .this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
To begin I was charged a {$4.00} replacement card fee. My card expired in XX/XX/XXXX, I had to call on 3 different occasions due to address complications. 
However, I was charged the replacement card fee & I'm not sure why. Their policy states the following : " After receipt of your initial Card, you may receive one ( 1 ) Card replacement for no fee each 12-month period. A fee will be assessed for each additional Card replacement request. Standard delivery ( 7 to 10 calendar days ). Expedited delivery fee would also apply ''. The last time I used that card was XXXX and my card didn't expire until XXXX of XXXX so why would I get charged a replacement fee, when clearly that was a replacement card over a 12 month period? 
Also, there is a {$0.00} fee for the automated customer service ( You are allowed to make eight ( 8 ) calls for no fee each month to XXXX XXXX XXXX ) A fee is charged for each additional call. However, there system is set up as to where you call the customer service number, it prompts directly for you to enter the last 4 of your card number followed by your pin and gives you your account balance & you're immediately charged. There is no fee for a " live agent '' but there is also no prompt for a live agent either, which is totally wrong. I haven't received child support in 2 years and I just received a payment of {$200.00} but my balance is now {$190.00} because in this XXXX day XX/XX/XXXX of trying to call and speak to a " live agent '' about my replacement card fee ( which I feel I shouldn't have been charged for ) I was also charged XXXX customer service automated fees for a total of {$1.00}. This might seem so minimal to you but it's certainly not to me especially during the time of this inflation ; I'm a XXXX  mother who hasn't received child support in 2 years, who tries to save every XXXX she can. How are you going to keep charging me for the automated service fee when there is no number or prompt for a live agent? Why did I get charged for a replacement card when it's been over a 12 month period

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.

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 2018-11-29
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Approx one year ago, I had some fraudulent drafts on my bank account, which the bank reversed and I closed the account. I started receiving numerous aggressive phone calls from XXXX XXXX XXXX at home and at work, I informed them when they called me at work that I could not take personal calls at work, yet they called back today and spoke to one of my coworkers telling him that they would come to my work tomorrow and serve me papers and even gave him a case number, I have the note my coworker gave me. I called the company and told them to never call me at work or at home again, that this was a fraudulent case. XXXX XXXX kept telling me to just talk to him and I said no, this is the last communication we will have, I told him he was harassing me and threatening me, talking to my coworkers, giving them case numbers etc, he said '' we have to do what we can do to collect the debt '', then he hung up on me.Their phone number is XXXX. I have never received any written notification from them to date.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a charge for {$440.00} from Southwest credit systems for XXXX for an account that it claims I opened XX/XX/20 that is showing up on my Credit report with XXXX and XXXX. I just called XXXX and they said they do not have any information on this charge. I disputed it on XXXX a couple weeks ago but I haven't seen anything done as of yet.

Company response to consumer: Closed with explanation