BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus.

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, 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 2015-12-09
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: AZ
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:
Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX  as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the reportXXXX XXXX  created the report.Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

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 2021-10-03
Company: NAVY FEDERAL CREDIT UNION
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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft 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 2016-01-19
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I ordered XXXX {$300.00} visa prepaid card on XXXX ( order # XXXX ) on XXXX/XXXX/15. The order is supposed to be fulfilled by XXXX. I called XXXX on XXXX/XXXX/15 because I did not receive the prepaid cards. Agent requested me to wait until XXXX/XXXX/15. I called again on XXXX/XXXX/15, and agent agreed to void the old cards and ship XXXX new cards ( Call Reference # XXXX ). I called XXXX again on XX/XX/XXXX, agent said that they have not resent the prepaid cards, but they agreed to send it soon ( Call Reference # XXXX ). I received a phone call from XXXX on XX/XX/XXXX, and they stated that those cards have been used already. I requested a full refund on XXXX/XXXX/15 ( Ticket # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX XXXX {$92.00}

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 non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-31
Company: Harpeth Financial Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I get XXXX Loan and they wan na charge me XXXX!! I paid ever 2 weeks, automatically payment, but this is never gon na have a end!! I cancel the payments when I see this is was a abuse interest!! 
I already paid XXXX and I still have a outstanding balance for XXXX!! I talk to the customer services today to trying a some deal or modify the amount, but they dont wan na make any deal!! Even I offer to paid it in one time payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I attempted to initiate an in-store transfer in the amount of {$700.00} and i was told that it wuld cost {$61.00}. I declined and went on the western union app which would only charge me {$16.00} to send the same amount. The online transfer was canceled by western union with the reason of a business decision and referred me back into the store to initiate the transfer. These practices appear to fall under the UDAAP regulation as it unfairly targets low income and XXXX  who may not have access to the internet. To quadruple the cost of the same transfer is definitely an abusive act. When I asked them to provide a promo code so that I would a pay a similar price in store I was offered a 50 % discount which still would leave me paying double the online price. Their payment options need to be reviewed so that certain communities are not adversely impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The heartland ecsi received every month a check from my employer contribution in the sum of XXXX $ each month. However, they refusing to count it towards the bill and asking to pay another full bill. This is not what I agreed to pay back. If I pay payment that month in any day, they should be counted towards this month payment or at least the next one period. Im not going to pay more or less, this Loan service must do their jobs and comply with agreements that students have. Please address this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the account.

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 2016-04-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I am a consumer of the Macy 's American Express Credit Card. I had a zero balance on my credit card. In XX/XX/XXXX2015, there was a purchase that was made at XXXX XXXX XXXX restaurant. This purchase I inadvertently used my Macy 's American Express Credit card. I did not remember that I used this card. On XXXX XXXX, I go into my e-mail and there is a bill with a late fee. I then logged into my account, and began reviewing statements. I then see the charge was from an XXXX XXXX purchase. I immediately contacted customer service. The customer service department was not only rude they were not helpful. 


I had over {$180.00} in late charges for this {$35.00} purchase. I asked customer service, why did n't I receive a telephone call after the first month of not receiving a payment. In addition, this is not the norm for my account because I have paid this bill completely off. Customer Service explained, that because I was signed up for bill pay, which is why I did not receive a call. This account as also reported late to the credit bureaus. I did not receive the e-mail for the bill. I understand that does not negate that I have a balance owed, however it would seem customer service would have contacted me regarding payment. There was no regard for me as a long time consumer of this account, with an excellent payment history. I was told there was nothing I can do regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
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: Account status incorrect

Complaint:
I have already sent it letters asking the credit bureaus to remove this information and theyve failed to do so in a timely manner

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 2022-07-21
Company: Spring Oaks Capital, LLC
State: CA
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:
Account with XXXX 
Amount XXXX. 
To all my knowledge I have never seen nor used this account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.

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 2016-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Had a car accident go to litigation and the bill for XXXX XXXX XXXX XXXX XXXX was pending payment with the insurance company, XXXX, when they called me and tried to collect. I told them it was a claim for a car accident and it is in litigation. Two weeks later, without any further contact, they submitted it to XXXX XXXX. I got an email from my lawyer stating they openly admitted to him they did this and I sent it to Experian. Experian responded stating that they can not remove the information at this time. Absolutely no reason as to why, just that they wo n't. I gave them the lawyers name, company and contact info along with the email stating XXXX admitted to committing fraud and they refuse to remove it. Shameful

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