BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXXI was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXXAlso XXXX shows me never late for XXXX  XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my XXXX and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

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 2020-01-12
Company: EQUIFAX, INC.
State: MA
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 disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2020-01-12
Company: Experian Information Solutions Inc.
State: MA
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:
this account is reporting late and paid it was never late account XXXX XXXX account number 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 2020-01-12
Company: Experian Information Solutions Inc.
State: MA
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 been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX  and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

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 2020-01-12
Company: EQUIFAX, INC.
State: MA
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:
this account should not be reporting this account posted after they were paid and levy my wages this is defamation of character and should not be on my report delete this account immediately account SSA/OFFICE of Finance account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX XXXX  account and found it to be a terrible service so I cancelled it in XX/XX/2021. I kid these people the monthly fee for XXXX in the amount of {$29.00} and then another {$120.00} for a service call to use the service the last time which was taken on XX/XX/2021. I told them to no longer charge me as I am cancelling. They continued to try and take money out my account so I had my bank block them from doing so. Now Im getting a debt collection letter from another company stating I owe XXXX XXXX another {$88.00} which is completely false as I paid them in full my last month and no longer wanted their products. I called them many times and either never get an answer or I get the run around. Please dispute this as my credit is very important to me and I never have unpaid debts. This should be removed from my credit report and field as inaccurate and at this point fruadulant. 
Original account info XXXX XXXX XXXX : Phone XXXX ( XXXX ) XXXX Debt collector that now has the account : Nationwide credit inc : Amount {$88.00} Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ShellPoint XXXX XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX This short sale has been on-going since XX/XX/16 when it was with XXXX. It was service released to Shellpoint on XX/XX/16. Since then ShellPoint has been an absolute nightmare to work with. The list below has not only been ongoing with this short sale, but has also again happened on our most recent phone call with them YES this ALL happened in one phone call with them. The point of contacting ShellPoint was to get HUD approval to be able to close on Friday. We sent ALL the docs they need to review prior to closing on Monday WELL WITHIN TIMEFRAMES NEEDED FOR REVIEW. Today we were told that EVERYONE ASSIGNED TO THE FILE WENT ON VACATION INLCUDING THEIR MANAGEMENT!!!!! Clearly there is no oversight or supervision at this company. ShellPoint did each of the items below just on THIS call alone : 1 ) No SPOC 2 ) Lack of enough staff -- we have been told that they dont have enough people there by our negotiator, management, and front end staff 3 ) No designation of fill in employees when management and staff all go on vacation at the same time 4 ) Condescending attitude when asked why there is no one assigned to a file scheduled to close 5 ) Shellpoint ( or whatever their name is this week ) does n't take loss mitigation, XXXX, or FDCPA seriously and believes that it is a joke 6 ) No one returns calls. Their messages say calls will be returned in 24 hours but i have never had anyone call me back 7 ) We have to throw a fit to get them to do anything at all especially if they have to find the appropriate person to take care of the issue 8 ) ShellPoint doesnt care about deadlines or making sure a short sale closes on time. They have no sense of urgency or obligation to their investor or borrower. They will be the first to blame this on the borrower and then just cancel the file out of spite. ****We have closed over XXXX short sales and ShellPoint does all of these things on EVERY file we have ever had with them. No doubt by now they have accumulated enough complaints to be fined hundreds of millions of dollars likely even into the billions at this point. When is the CFPB going to fine them like they fined XXXX for their illegal and unethical behaviors?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: TX
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:
I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank continues to discriminate and lower credit limit based on my creditworthiness, having no late payments and without my permission to make a hard hit on my credit through the credit bureaus. This is the second time with 2 store cards I have had with Synchrony Bank. Synchrony did this several times through XXXX with my Amazon Store card. I received a letter today, XX/XX/XXXX ( same as came with Amazon Store Card ) for my Old Navy Credit Card stating Synchrony was lowering my credit limit due to credit bureau report through XXXX XXXX. Their key factors are the following : Lack of Real Estate Secured Loan ; too many revolving accounts with high balance compared to credit limit ; unpaid collections ; not enough balance paid down over time on retail accounts ; number of inquiries was a factor in determining score. The letter includes this statement, While the date of the credit score may not be recent, your score has not likely changed significantly since this date. The date of the letter is XX/XX/XXXX. Number of inquiries is because Synchrony Bank does the inquiries!!! I have had 4 store accounts and PayPal Credit with Synchrony Bank. On this date, I closed 3 of the accounts. I closed the Amazon account in XXXX and closed HSN in XXXX due to these unfair, dishonest, and discrimination practices. I feel being able to continue this discrimination based on my prompt payments, and good creditworthiness should be investigated as it has gone on for years. I have all recent credit reports and these key factors are not accurate. It is unacceptable to hit my credit report causing number of inquiries to damage my credit without my permission. This company has been continuing these discrimination practices because no one investigates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: National Check Resolution Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.

Company response to consumer: Closed
Consumer complaint received 2015-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: FORD MOTOR CREDIT CO.
State: NV
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Sa-Vit Enterprises, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to clear up my credit report and found a credit in collections since XX/XX/2016. I have no idea what this is for, nor has the company sent me a notification that I owe this debt. I attempted to dispute the charge with XXXX, XXXX, and XXXX, but the creditor replied that the charge is mine, yet I still have not received notification about this debt. 

The company ( SA-VIT COLLECTION AGEN ) is stating that I owe {$820.00}

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 2015-08-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received promotional mail and email from Bank of America in XX/XX/2019, which said I would be offered {$300.00} bonus credit, if I successfully apply a Bank of America Business MasterCard, and spend {$3000.00} eligible expense in the first 90 days of card opening. I responded to the offer, and got my card opened in XX/XX/2019. 
Between XX/XX/2019 and XX/XX/2019, I see from the credit card statement, there was a total expense of {$3000.00}. However, after the end of promotional period, I was not offered a {$300.00} bonus credit. I called Bank of America, and was told among the {$3000.00} expense, there was a {$39.00} late fee, and the eligible expense is only {$2900.00}. I told them I paid my card monthly due in full on time, why would there be any late fee? Bank of America acknowledged it was a mistake on their side, and returned me the {$39.00} late fee. But they refused to give me the {$300.00} bonus. 
I dont think it was a mistake. I think the bank fraudulently put the late fee on my card, to trick me out of my bonus. I paid all my monthly due in full on time, I was absolutely not aware there was any late fee on my card when I calculated how much I need to spend before the end of 90-day period. If I knew, I would of course have spent {$22.00} more to achieve the {$3000.00} ELIGIBLE expense.

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 2022-06-16
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX ( servicer for transfer BSI Financial ) to XXXX ( XXXX  payment hub for XXXX ). XXXX XXXX  never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received two XX/XX/XXXX statements, one from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.

Company response to consumer: Closed with explanation