BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX 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 590. 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 n 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 n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im 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 2015-10-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned a Sallie Mae loan for my son because they would not approve him without XXXX. So according to Sallie Mae XXXX now XXXX ) after a co-signer has paid on a loan for 2 years they can be removed from the loan. I have been paying on that loan ( under a special program so that I can actually afford to make the payments ) for over 2 years and when I contacted them about removing my name, now they say well, we have to make sure the primary will be financially able to make the payments. Well it 's not my problem if they ca n't afford to make the payments, I have done my just do by struggling to make the payments for 2 yrs just to be told I ca n't be removed if the primary can not make the payments. That is very very unfair. I have a family, a daughter in college and it is a real struggle to continue to make these payments so my check wo n't be garnished. I am writing because I am hoping I can get some kind of help having my name removed from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ONLINE INFORMATION SERVICE account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Grain Technology, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I opened a Grain account roughly a year ago. It is a digital line of credit. Grain approved my account with a {$1000.00} credit line which I have always paid on time. Over the course of my relationship with Grain, they have locked me out of my account on multiple occasions forcing me to " reverify my identity '' over 6 times in one year. 

The most recent time they asked me to verify my identify, they closed my account stating that they could not verify me - offering no explanation as to why. I did my own research and realized my identification now showed my new last name, as I had gotten married, and my account still showed my maiden name. I sent Grain an email asking if I could attempt to reverify again, but they said ( after nearly 2 months of no response, with me being locked out of my account the ENTIRE time ) there was nothing they could do and the decision to close my account was final. 
I am basically being forced to lose a line of credit which will be a detriment to my credit score all because I got married and they somehow think that means I have turned into an entirely different person, and that I am not the person who originally applied for this account. It makes no sense at all for them to lock me out of my account for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Bread Financial Holdings, Inc.
State: PA
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:
This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint. 

" I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response. 
I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest? 
I also closed my account over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a letter dated XXXX XXXX, 2015 from the XXXX County Treasurer stating that our current taxes on parcel XXXX had not been paid. The letter stated that fees and penalties had been applied and if payment was not made by XXXX XXXX, 2015 our names would become public notice for delinquent tax payments and further sanctions would occur. We contacted Green Tree Servicing company which is handling is now servicing our mortgage on XXXX XXXX, 2015. We explained the letter and made mention that our XXXX statement reflected a notice that County Taxes were distributed XXXX XXXX, 2015. The customer service representative confirmed that distribution date and stated it would take TWO weeks for someone in the tax department to review and respond and that would be on XXXX XXXX. We followed up with XXXX subsequent phone calls on XXXX XXXX and XXXX XXXX, 2015. We were told today that there had been no resolution and it would now be escalated to a Supervisor and we can call back on Friday, XXXX XXXX for a status. This is not acceptable by any means!!!

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 non-monetary relief
Consumer complaint received 2015-07-06
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, Since 2013 I have been trying to get a loan modification with US Bank Home Mortgage ( Loan # XXXX ) every year I have successfully completed their packages sent it into them in a timely fashion, and as it gets to the end of the year they ( US Bank ) have never reached any type of decision concerning a loan modification. Once the year changes they write me a letter saying that my package has expired and they ( US Bank ) needs a whole new package. throughout the year they repetitiously ask for the same information which does not change. 
For 3 years they have only stalled on giving me a loan modification so I can catch up on my loan and make it current. Please look into my situation and please be of help so I can come out of default and make my payments.

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 2022-05-18
Company: EQUIFAX, INC.
State: CO
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 XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

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 a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home on XX/XX/22 with Navy Federal. I brought up multiple concerns I had with closing costs greatly varying from my final loan estimate that I received before closing and at closing via email, phone, and in-person. Navy Federal refused to acknowledge or correct my concerns. On XX/XX/22, I received a letter giving a post closing lender credit of {$1500.00} due to the errors I had noticed before closing, while this lender credit does help to close the gap between loan estimate and closing disclosure, it doesn't resolve all of the issues. 

The following costs changed from my final loan estimate received on XX/XX/22 to my closing disclosure received XX/XX/22 : My capital contribution for my XXXX and XXXX XXXX XXXX by {$1500.00}, this is what I assume the XX/XX/22 letter was regarding. 
An additional fee of {$150.00} was added " Title - Document Prep '' this fee was not on my loan estimate and since I chose to use Navy Federal Title it is not allowed from being added between loan estimate and closing disclosure. {$150.00} discrepancy My " Title - Lenders Coverage Prem '' increased from {$1900.00} at loan estimate to {$1900.00} at closing disclosure, which is not allowed since I utilized Navy Federal Title. {$18.00} discrepancy My transfer taxes increased from {$4800.00} at loan estimate to {$7100.00} at closing disclosure. This is not allowed to occur since Navy Federal had already reviewed my purchase contract before receiving the final loan estimate. {$2200.00} discrepancy This is a total discrepancy between loan estimate and closing disclosure of {$2400.00} when accounting for the {$1500.00} post closing lender credit already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AA Recovery Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called my employer looking for me and was speaking in a threatening manor and even harassed my employer about my whereabouts. Then continued to call me and I would answer and they would threaten me not give any detail about the alleged debt or contract breach that never happened

Company response to consumer: Closed with explanation