BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.

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 2016-06-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I borrowed {$1000.00} and got lender tried to charge my account for over {$3000.00} without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX   XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i need all the wrong and old adresses removed from my credit files.

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 2022-09-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Payment for {$5.00} made through bill pay on XX/XX/22 was not initially credited by XXXX 's XXXX XXXX  company ( Comenity ) because it was sent to the creditor 's previous address to receive payments. After speaking with Comenity, a second payment for {$5.00} plus XXXX in interest was made through bill pay on XX/XX/22 and sent to the new Comentiy address for receiving payments. Both payments were credited, however, a late fee was charged to the account in the amount of {$13.00} and interest continued to accrue. On XX/XX/22, I went XXXX  and spoke directly with Comenity with the assistance of the XXXX 's employee. I was told that the total at that time was {$17.00} ( more interest ) and would be waived. I closed the XXXX 's credit card account with Comenity at that time. 
Today i received a bill for {$1.00} and was told i would receive monthly billing statements until balance was paid in full and threatened to be reported to credit bureaus. 
This is not about paying the amount I owe, because I did paid more than what I owed just to make the problem go away however, when I tried to correct the payment issue, Comenity did not follow through and continued to charge interest on late fees and this appears to continue even with my efforts and now will jeopardize my credit. It is my understanding that interest can't be charged on late fees but that is what seems to be happening here. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On Sunday XX/XX/XXXX morning I recieved an email from Venmo that my account has been frozen and that I need to verify my identity. I called venmo customer service to find out why was my account closed. I didn't do anything wrong. They were not able to tell me anything except to send a copy of my ID to verify myself. Well I did just that on XXXX  and recieved an email back stating that they were going to permanently close my account and keep my money for up to 180 days. I'm a single mother of 4 and ALL my money is on that card. I can't pay rent, car insurance or anything now. I called Venmo again and this time asked to speak to a supervisor. Speaking to him he was not much hel. He couldn't tell me anything except that the analyst specialist is the ones who do and work with the closing accounts and stuff. I nicely asked for a phone number so I can speak with someone there then. To which I was told they do not have a phone number that I would have to reply to the email and they will respond. I did just that and asked for them to explain to me why they closed my account. Then I was told that they could not tell me that do to privacy etc. But it's MY account. MY money. I've never had this problem with XXXX  like I do with venmo. And for them to keep MY money for up to 6 months is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Variable Rate Mortgage ( VRM ) interest rate is recalculated annually on XX/XX/XXXX each year. Specialized Loan Servicing, which was appointed by XXXX XXXX to do the loan servicing, fraudulently took the following actions : - Failed to release the new 2020 annual interest rate statement - Issued XXXX billing statement showing incorrect interest rate at 4.25 % ( was 5.25 % ) -Attached - Per the " 1 Year US Treasury Security Weekly Average '', the contract index, the one year average rate for XX/XX/2020 is " 0.17000 '' which is prescribed for the week of XX/XX/2020 - Attached -Annual Interest Rate is Contract margin rate of 2.75 % plus the Annual US Treasury annual weekly average for XX/XX/XXXX each year now at " 0.1700 '' = a new mortgage rate of 2.92 %. However, contract has a maximum plus or minus interest rate change maximum of 2 % of any given year. Therefore previous interest rate, see Attached XXXX billing statement was 5.25 %. THEREFORE NEW 2020 ANNUAL INTEREST RATE SHOULD BE 3.25 %. which is higher than the calculated rate of 2.92 % and acceptable based on contract terms and conditions. 

Specialized Loan Servicing LLC should be forced to correct their fraudulent error and other consumers should be alerted to this fraud that occurs in low competence loan servicing companies.

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 2016-06-11
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter Warfield is continuing to attempt to collect a debt 5 months after they were informed by the creditor that the account was paid and never in arrears.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This account is fraudulent in regards that the security interest paid for all obligations. Carrington continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Carrington has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Carringtons unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Carrington continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Someone tried to open up a Credit Card with Capital One Saks XXXX  Ave. under my name. 

I told Capital One that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: Commercial Trade, Inc.
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : COMMERCIAL TRADE INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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 identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I had gotten my first check from my employer for the amount of {$460.00} However my paycheck did not go into MY account it went into someone elses account. Ive made countless phone calls to Chases customer service line to try and have the check returned to my employer so they can pay me for my hours I worked. There was even a claim filed with chase by the person who received my check. The person made note that the check was not theirs to keep. Chase has been very unhelpful in the matter of returning MY check back to my employer so that I can be paid for the work I did. I went into chase XX/XX/XXXX as well and whom I spoke to I dont remember but the lady said all the other person would have to do is go speak to a manager and Id be able to get my check returned to my employer yet This person has tried numerous times to let them know thats not their check to keep. Ive tried numerous times. My employer even tried to get a reversal on the check which Chase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In The First Box I am XXXX XXXX submitting this complaint against Experian information solutions , inc and their is no third party involved I demandExperian information solutions, inc to delete and update these alleged late payments as I did not give permissible purpose to neither you nor XXXX to furnish anything on my consumer/credit report this is a complete violation of the FCRA & my right to privacy that your company has infringed on which you are not privy to do without my written consent pursuant to 15 usc 1681b ( a ). You, Experian information solutions , inc are not in compliance pursuant to 15 usc 1681e your duty is to assure maximum possible accuracy of the information concerning me, Consumer and your company is not complying with that duty and has been negligent. 

In conclusion you, Experian information solutions , inc clearly is unwilling or incapable of operating lawfully. 


Remove these late payments at once

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 2015-12-01
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: NCSPLUS INCORPORATED
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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:
Account Number : XXXX XXXX XXXX  Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2022-04-14
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been wanting to make targeted payments toward my student loans, and my goal is to target payments toward loans with higher interest. However, that information is not available because there is not currently interest accumulating due to the COVID forbearance. I contacted FedLoan to obtain this information. The customer service provider could only provide this information verbally. She did indicate that a breakdown could be generated and uploaded to my portal. This has not happened, and instead, I was provided letters of update regarding PSLF, which doesnt apply to me. Further, one can not obtain a historical breakdown of payments or accumulated interest over time. 

Being that I was provided interest information verbally, I felt I had adequate information to make a payment. On XX/XX/XXXX I made a payment through the Fedloan online portal. I targeted two different loans and paid the entire loan amount listed. 

I paid one loan in the amount of XXXX and another for XXXX. My payment breakdown states : XXXX went to principle and XXXX toward interest on loan 1 ; and XXXX toward principle and XXXX toward interest on loan 2. 

Currently, FedLoan is stating these two loans are not actually paid in full, as there is outstanding interest that is not factored into targeted payments. Considering there has not been any interest accumulation in two years, this is intentionally misleading. I also have a loan verification letter from XXXX of XXXX with the same amounts listed, that apparently, do not include interest. This letter was utilized so I could obtain a mortgage. 

Further, there is no messaging when making payments to FedLoan stating that information listed is not inclusive of interest. 

This process, the website, and the ability to understand amounts due is intentionally misleading and difficult. Attempting to pay back and manage student loan information continues to cause an amount of anxiety that is unnecessary. The amount of time, energy, and resources that I have put in to obtaining the correct information is beyond infuriating and is utterly nonsensical unless the goal is further burden those with debt. 

I have had 3 mortgages in my adult life, and several car loans. The information regarding repayment and interest is both clear and available. I can obtain a breakdown through the duration of the loan amount, interest amount, and how my payments are applied. How come student loans CONTINUE to be intentionally misleading and difficult??

Company response to consumer: Closed with explanation