BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: SAMC Honebee TRS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I tried to pay my mortgage on XX/XX/XXXX. The payment came back NSF. I transferred the small amount I had in savings to my checking account to cover it and called the bank to ask if the payment would reprocess. They told me to call GMFS. GMFS told me that it would NOT reprocess and that I would have to make another payment. I asked several times to make sure it would not be taken out of my account twice. The rep assured me it would not, so I made another payment on XX/XX/XXXX for {$890.00}. When I looked at my account the next day, ANOTHER payment for {$890.00} was taken out titled " Retry payment. '' So the customer service rep lied to me. 

I called immediately after I figured this out and had to wait for a callback. When they called back, the rep told me he put in a request to refund and escalated it to a supervisor. Two weeks later, I still had not received my refund. Meanwhile, I could not pay ANY other bills during this time because GMFS had my money. 

I called again on XX/XX/ and again had to wait hours for a callback. I was told that the request for a refund had been DENIED, but they could not give me a reason why. I asked for a supervisor and waited for her to answer. The supervisor said she would have to check with someone else and would call me back in an hour. She never called back. 

I started messaging GMFS on XXXX because they seemed to be more responsive on that platform. Finally another rep called me and told me they would send a check out in the mail and overnight it. I NEVER RECEIVED THIS CHECK. 

We are now 3 weeks past the date that my mortgage was taken out twice. I have not been able to pay other bills because of this and have been racking up credit cards to buy food and essentials. I have tried contacting them several more times, but they are so hard to get in contact with right now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: Global Lending Services LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 Global Lending Service XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Requested a payoff statement on XX/XX/XXXX good thru XX/XX/XXXX from XXXXoan Care LLC. Recieved payoff statement with payoff amount. Refinanced home. Title company sent payoff amount on XX/XX/XXXX. Payoff checked stamped recieved by Loan Care LLC. Title company ( XXXX XXXX XXXX ) received a returned check and new payoff statement on XX/XX/XXXX that was good thru XX/XX/XXXX asking for {$280.00} more than original payoff statement issued on XX/XX/XXXX. I called Loan Care LLC on XX/XX/XXXX to find out why there was a difference in the two statements. During the phone call they issued ANOTHER payoff statement without my request and the new payoff is now {$1000.00} more than the original statement given on XX/XX/XXXX. Originally they said the {$280.00} was due to tax distributions. However taxes were distributed in XXXX of XXXX before the original request for payoff statement. Loan Care then stated that the new payoff generated on XX/XX/XXXX is the amount that has to be paid even though the second statement sent to the title company states that it is good through XX/XX/XXXX. I have called Loan Care multiple times on XX/XX/XXXX trying to get answers as to why the payoff amount keeps rising. ( Twice in one day ) I keep getting placed on hold for extended periods of time. Requested to speak to a XXXX. After a very long hold was connected with XXXX XXXX at Loan Care LLC I spoke with her briefly before she asked to place me on hold. I then sat on hold for about 20-30 min before the I was hung up on. Still no answers to the large increase in payoff amount. I called back Loan Care LLC and was connected with XXXX. I asked XXXX to speak with the XXXX XXXX and explained that I was just on hold with her before the call was disconnected and I called right back, to which he said he wasn't sure she was available and would connect me with another XXXX and placed me on hold for what he said would be 3-4 minutes and turned into 45 min before a XXXX answered still without a resolution other than to pay the statement given this afternoon over the phone asking for {$1000.00} over the original payoff statement

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 2022-01-27
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son went to XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. The ER clerk coded as MV accident, insurance denied it. He fell and had to get stitches in his lip. Not a MV accident. Then they resubmitted through to the correct insurance XXXX  primary XXXX health secondary. I got a bill XX/XX/XXXX which I then called was told they did not have XXXX  information they would resubmit. XX/XX/XXXX XXXX paid the whole claim except for the XXXX which was deductible. I was told they would re submit for XXXX XXXX to cover the XXXX Fast forward to XX/XX/XXXX I get a collection on my account for XXXX for transfinancial in XXXX XXXX Louisiana XXXX. 
No new bill nothing asking to for the money for me to call them since XX/XX/XXXX. I really though it had been taking care of. 
When I call transfinancial employees are so rude and not helpful at all. I have begged them to put me on 3 way with XXXX XXXX XXXX XXXX physicians groups office that does lanes regionals billing. I call XXXX XXXX XXXX XXXX XXXX they dont show me owing that much they show the BCBS adjustments they dont show me owing XXXX they are waiting on XXXX XXXX which I have spoken to and they still havent got the claim yet for the XXXX They have all the notes Im stating. I dont know what to do. If I owe the XXXX fine Ill pay it. But XXXX has sent me explanation of benefits they have done there portion This one account dropped my score XXXX points I have been working on building and correcting. 
Please help. 
Just so frustrated this shouldnt have even went to collections and now Im feel like Im stuck no one wants to help but companies keeps saying its the other one. 

Please please help frustrated mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 information incorrect

Complaint:
I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: IL
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 recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXXXXXX XXXX XXXX  self lender. I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Online secret shopper scam, i was sent a check placed it in my account then my back initially cleared the check i withdrew the funds and distributed them as directed then my back changed and placed a hold on the check and then ultimately declined the check leaving me XXXX in the red in my 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 explanation
Consumer complaint received 2021-01-19
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX  XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/

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 2017-07-21
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: Information belongs to someone else

Complaint:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: FL
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:
My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Apparently, I have three " Signature Student '' loans ( private ) with Navient. I started getting calls from them about 2 years ago saying that I was in default on my student loans and I had never heard of them before so I tried to check the validity of their claim. I could n't get much information to verify that I owed them money but they harassed me 24/7 and I knew they were a student loan servicer so eventually I agreed to make a payment arrangement with them. In XXXX 2015, I agreed to make a lump sum payment of {$1800.00} over 5 months ( which I was told was 10 % of my total balance ) in exchange for them forgiving a portion of my balance and reducing my interest rate to zero. I also agreed to pay $ XXXX/month after the initial 5-month period. I made the agreed upon lump sum payments then began paying the agreed upon $ XXXX/month. I continued to get more calls from Navient claiming that I was still in default and explained that I had made the above arrangements and they confirmed that they had received those payments. They then told me that the Navient representative that I made the payment arrangements with only applied the payments to one of my loans and I actually had another loan that they didnt tell me about. So, I agreed to another $ XXXX/month payment for that loan and they agreed that any loan that they held would receive the benefits of my payment arrangement and monthly payments. Two years later, I am still getting calls from Navient saying that one of my loans in delinquent even though they show that I am making payments. They are also reporting my loans as delinquent to the credit bureaus! When I log in to their website, the first thing I see is that my loans are past due, then directly below that, they show the payment history of my payments being made on time ( through automated debit ) EVERY SINGLE MONTH! I dont know what the heck they are doing with my payments! My interest rate was reduced to zero but they never forgave any of the balance like we agreed to and they are ruining my credit and harassing me non-stop! I tried to mark this an inaccurate on my credit report but Navient just fights it and says that it is accurate and I have no recourse! Im at my whits end with this company and theres seemingly nothing I can do about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX Equifax furnished a consumer report with XXXX XXXX XXXX  Account # XXXX without my written instructions that is needed in accordance with the FCRA On XX/XX/XXXX I disputed the matter via mail and filing a CFPB complaint. I sent the mail certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Equifax sent me a notice of their investigation and an update of the account being DELETED. Deletion after my dispute is admission to their in accuracy of their mismanaging procedures which has affected my credit score and harmed me the consumer. Equifax Is Now civilly liable {$20000.00} Pursuant to 15 USC 1681n for actual damages sustained by me the consumer such as mental anguish and emotional distress for them reporting inaccurate information on my consumer report and all of the stress I went through to have the wait for the account to be deleted and for failing to comply with and being in accordance with all applicable law such as the FCRA. Equifax is also civilly liable {$3000.00} pursuant to 15 USC 1681 for violating and furnishing on my consumer report which should be excluded in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) ; and 15 USC 1681a ( 2 ) ( B ) which states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' ; " and report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' should be excluded from a consumer report which Equifax included in a consumer report with XXXX XXXX XXXX  XXXX XXXX. Not to Mention the {$1000.00} that Equifax is civilly liable for, for not being in accordance with 15 USC 1681b ( a ) ( 2 ) which states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) States that a consumer report can only be furnished " In accordance with the written instructions of the consumer to whom it relates. '' I never gave Equifax any written instructions to furnish anything on My report and this is the basis and cause of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.

Company response to consumer: Closed with explanation