BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva credit card has issued excessive fees on my credit card. My due date is the XXXX of the month, XXXX, XXXX, I paid the bill the XXXX .TWO DAYS late because I was ill with covid. I called the company and the representative stated they would waive the late fee. HE DID NOT!! Not only was it not removed, from XXXX to XXXX, I am being assessed $ XXXX, As of XXXX, the minimum payment due is {$240.00}, which I can not afford to pay., I had previously paid over the minimum amount due which ranged from $ XXXX. I always paid $ XXXX which WAS over the minimum payment I NEVER missed a monthliy payment. .However, this company does not appreciate the consistent paying consumer. Does not hold true to their word ( waive the late fee ) and fleecing the consumer with continual, excessive late fees. As of today, XX/XX/XXXX, I closed the account, however, was told these late fees will continue. {$46.00}, month which will soon equal the total amount due XXXX,, I have until XX/XX/XXXX to pay the {$240.00}, for XXXX, which will continue to accrue. Presently, theyre, asking 45 % of the total balance {$550.00}. Please help me. This is totally ujust. On XX/XX/XXXX, I faxed XXXX. documents with the statements along with my complaint, I have received no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, TransUnion and LCI ( a TransUnion company ) are reporting a bankruptcy on my credit report, and they are reporting that they furnished this data from XXXX XXXX  XXXX XXXX TN which is false. I have attached a letter from the bankruptcy court of XXXX TN verifying and stating that they do not furnish information to any of the credit bureaus, or any credit monitoring services, nor do they verify or validate any information concerning bankruptcy. XXXX, TransUnion and LCI are falsely reporting this information on my credit report and has yet to remove this information from my credit report.

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 2022-09-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2019, I filed for borrows assistance with ROUNDPOINT MORTGAGE COMPANY. I have filed and gotten nowhere. I have spoken to several phone representatives, and I keep being asked to re-send the same documents over and over again and it is now XXXX and I am in jeopardy of loosing my home. I am trying to get the mortgage modified due to the fact my husband is on XXXX now since purchasing the home. I am in tears due to the fact I feel this company is not trying to acknowledge my application by sending me in circles. Today, I had a HUD counseling ( works for XXXX  ) reach out on my behalf to Loss Mitigation for RoundPoint and He was disconnected twice and told me I should immediately file this complaint due to the lack of professionalism. If needed I have all the email correspondence to show. I have the original application as well as all the times I have corrected what they claim to be wrong each time and still no assistance. Please reach out if documented proof is needed. I desperately want to keep my home, we can make payments now that his XXXX has started ... .. just cant make large amounts to catch up From when pay stopped this summer. I filed for assistance during our first defaulted month ( XXXX ) and still no help or word on application and its now XXXX. All i get is an automated message stating that I still have missing documents

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 2018-01-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was informed on XXXX XXXX XXXX by my servicer, XXXX, that my Income Based Repayment plan was ending was up for recertification. Due to the astronomical amount of student loan debt I have, my monthly payment was calculated to jump to XXXX. I then submitted my application to re certify and a few days later I received notice that was denied for the Income Based Repayment. I went online to seek what other repayment plans were available and sought to apply for the ( IDR ) Income Driven Repayment. I decided to email to let them know I them that I am experiencing financial hardship and was in the process of filing bankruptcy and awaited their response. Received no response that email. 

On XXXX XXXX, I submitted the IDR application along with my paystubs. On XXXX XXXX, XXXX responded saying they received an incomplete application and needed the pay stubs. I uploaded the paystubs again, and on today XXXX XXXX I was informed I was denied the IDR. I want to make the effort to repay my loans, but their calculated payment of XXXX will be a major hardship to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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:
In the month of XXXX, I submitted a request to have detrimental items removed off my credit report. My student loans were moved to another servicer and the delinquencies are reported twice on my credit report. This is causing a negative impact on my FICO score. Additionally, some of the reporting is not accurate. There are accounts reporting on my credit report that has been surpassed the 7 years of reporting. These accounts should not be furnished on my consumer report as they are in violation under 15 US code 168c-2 and USC 1681 sec 602A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX Bank PNC Account : Smart Access I have noticed that my account is constantly being overcharged. I have noticed that my account is being charged more than once. I also have been informed that they dont have an account that it is on file. This is 100 % incorrect. I do not know why they are saying this. Can you please contact me as soon as possible. I have contacted the police department about these issues. The Case number that I reported today is XXXX. I look forward to hearing back from you XXXX to resolve these banking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refinance my home and it is eligible as a XXXX refinance. The existing mortgage has mortgage insurance. So, the new harp refinance must carry the existing MI. The Existing MI company is XXXX and they are no longer in business and they have indicated the policy has been canceled 1 month after my loan was originated. When I call my servicers they transfer me around for hours with out providing me any answers to whom the current MI provider is so that I can complete my refinance. My current servicer is Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My card says its invalid when I typed in the card numbers. This card is for my unemployment benefits from the covid19 virus. I need a new card I think. The card may have been compromised as I received an alert through my email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Eagle Recovery Associates, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eagle Recovery Associates , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. Eagle Recovery Associates in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-07
Company: EdFinancial Services
State: CA
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:
On XX/XX/XXXX I had contacted EdFinancial via customer service line to request a complete refund for all federal student loan payments I made between XX/XX/XXXX- XX/XX/XXXX due to financial hardship. The total for all loan payments I made between this period totaled {$4500.00}. The representative stated that to reinstate my loan and receive a refund for these payments, it would take a total of 150 days OR MORE to complete this request and an additional 10 days to receive a refund. I believe waiting nearly at minimum 5 months for a full refund of my federal student loan is completely unfair, especially when I am seeking refund of my loan payments due to financial hardship. To continue, I requested a confirmation email from the representative for record that the refund request has been made and it has been officially recorded EdFinancial 's system, to which the representative stated she could not provide me any type of confirmation and that I should just call back in a months time to get an update. I thought this was completely unfair considering I was put on hold for XXXX HOURS until I was able to speak to a representative about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BOEING EMPLOYEES CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I submitted CFPB complaint XXXX a few weeks ago. I did not receive a response from BECU regarding my complaint, even though my case was closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 2022-04-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My issue with date back on XXXX XXXX, 2021 when I found my card had gotten hacked and fraudulent activities had happened with a total amount {$4400.00} stolen from account. I filed a dispute the first time and they denied and the second I filed even with a police report stating that fraudulent activities happened to my card plus giving example of time frames I live and where the transaction where happening are two hours and thirty minutes away. Theres no way I could have been there and within the three minutes apart with using my card and have done that. I also have documents stating that I can not leave the county or state and these activities happened outside my county and state. They still are denying me still to these date and they can not reveal to me what the issue of why. Ive been patient and some supervisors have given me false information as if they were poorly trained. It doesnt look good!

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 2017-05-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended   XXXX   college from  XXXX  of  XXXX  until  XXXX  of  XXXX . I was on an   XXXX  scholarship  that paid 75 % of my tuition. So I needed a loan to cover the other 25 %, which was about {$3000.00}. This is the only student loan I should have. The following year I was given more scholarships for   XXXX   and I joined the   XXXX    and   XXXX   programs. With both of those programs they covered the left over 25 %. For my  sophomore and junior year I moved off campus so if anything my tuition should have went down. For some reason the school took out another {$8000.00} loan my Junior year. I never saw any of that money and I never signed for it. When I told navient this they sent me a promissory note that I signed my freshmen  year for the {$3000.00}. They advised that once I signed that letter my freshmen year I do n't have to sign anything again for them to take another one. So basically they can take a loan when they want once you sign a promissory note. It doesn'the seem right to me. I should have had to sign something for them to take out {$8000.00}. I even tried to go to the school to get some paperwork from back them and they could not provide me with any. I 'm not disputing the {$3000.00}. I know I owe that but I should n't owe the other {$8000.00}. I never needed or saw it applied to anything.

Company response to consumer: Closed with explanation