BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Entrata Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted our application XX/XX/2022 and the background verification company that conducted the screening was Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 

Per FCRA requirement, your credit score and contributing factors are included below.

- you have too many delinquent or derogatory accounts - too many installment accts with a delinquent or derogatory payment status - the date that you opened your oldest account is too recent - lack of sufficient relevant real estate account information I was instructed by the property manager ( who was very rude ) to contact the company who ran the background check, Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX the actual rental screening company. I was not aware of a XXXX XXXX and was not informed this would be used as a method for approval or denial. 

I called When is data updated? Where is the data being pulled from to come to a determination of denial? etc. I have been paid my rent on time for the last 5 years. 
What is showing different from the information on our credit reports from XXXX, XXXX, and XXXX XXXX that we monitor daily and through each individual credit union. We were told to contact XXXX to find out. The letter clearly states the '' Credit reporting agency does not make the determination. '' The screening company avoided explaining the denial and would not provide more detailed information, as a consumer I have the right to know what is being reported against me after giving my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I never applied for this card why is it on my record I would like it to be remove I need my score up soon and I have no idea what this is

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 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Navy Federal Credit Union is claiming that I owe an alleged debt of {$6300.00} on a credit card. I am making this complaint to prove that I do not. I am in fact a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am well aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I am also aware that according to 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. Therefore I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 18 U.S. Code 8 the obligation of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Again, I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 12 U.S. Code 1431 the powers and duties of banks is to BORROW MONEY. Therefore it has come to my attention that money wasnt created with NAVY FEDERAL CREDIT UNION until I, the affiant, handed over my social security number. I, the consumer has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from NAVY FEDERAL CREDIT UNION is a billing error, pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I, the consumer, has reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged credit card debt from NAVY FEDERAL CREDIT UNION has already been paid for. I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. You can perform a UCC 11 Lien search on me for this fact. This further proves that I, the consumer, doesn't have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used a mortgage broker to refinance a loan a few years ago named   XXXX   XXXX  . Upon closing the loan, it was sold to a third party called  XXXX . That has been the mortgage servicing bank I 've used since.
Recently, I started receiving constant robo-calls and direct calls from Flagstar Bank stating that they needed to speak to me about a very important " business matter. '' I ignored the calls as I had never heard of them before, did not have any business with them and after a   XXXX   search of their poor customer service, had no interest in working with them.
Unfortunately, unbeknownst to me -   XXXX   sold my mortgage to Flagstar, but neither bank properly notified me. They sent letters allegedly to the wrong address. They did not attempt to contact me to explain the situation and kept harrassing me that they were sending me to collections. Never explaining that they were my new loan service provider.
When I did call them, they asked me to provide them my social security number - again, not something I was going to do to a random company I never heard of. When I protested, they were incredibly rude and did not offer any explanation as to why they were continuously hounding me on the phone. I think I have at least 20 calls from them over the course of 45 days.
Net net - I 've now made payments to the bank and am in good standing. But this bank 's poor mortgage transfer communications along with their harrassing and menancing calls is unacceptable. The people at this bank should not be allowed to treat customers in this way!
I have to imagine there are guidelines in place in terms of what requirements both banks must abide by when selling and transferring a mortgage between providers.

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 2021-11-17
Company: WELLS FARGO & COMPANY
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 sent a letter to this company, WELLS FARGO XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like WELLS FARGO XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute with Transunion and they sent back my information ( see attached ) with XXXX XXXX XXXX XXXX XXXX Report at the top and my information XXXX XXXX. 

I contacted a XXXX through the Chat and she indicates XXXX 's name is not on the report, which it clearly is, and my info on the dispute and she seems to think that ok, as if we can go on the same report. XXXX XXXX XXXX and XXXX XXXX XXXX are two different people and XXXX should be fired as she really doesn't get that this is illegal mixing us up. 
They say its because we use the same email, but really? Many people do!!

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 2021-03-31
Company: Experian Information Solutions Inc.
State: NM
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 made large payments to two of my XXXX XXXX XXXX. I paid off one of them and paid half of the balance of the other. As soon as I paid off the card or paid a large amount, they lowered my credit limit. I DO NOT need more credit ; however, them doing so has led to negative reporting on my credit report. XXXX indicated that they do NOT report to credit agencies but that Experian gathers the information and reports for them. If they do NOT report, how do the agencies such as Experian get my information? They said I may have been late on a payment during the last 48 months - 4 Years. When they lower my credit limit, they lower my credit score. This is the ONLY credit card company I have ever used that did this to me. Again, I do NOT want more credit, I want the negative reporting removed. My card ending XXXX has NO balance and has been paid off a number of times. I have paid MORE than the minimum payment on the card ending XXXX for a long time ; in fact, the last payment was {$6500.00}. This is unscrupulous and dishonest. Please see the attached letters where chase indicates that they did not report my cards as being delinquent. How else would it show up on a credit report, then?? The fact that XXXX can hurt people like this is wrong. NOT ONCE was I late or failed to pay a statement during Covid-19.

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 2019-12-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was being serviced by XXXX during the year of XXXX. For the 3rd and 4th quarter XXXX they reported 30 day late payments due to a misapplied payment by the processor. Although they were notified they did not make the correction on my report. In previous phone calls they had stated that a late charge had carried forward but they had also told me that late charges should not be reported negative. 
I received a notification of transfer XX/XX/XXXX to Loancare/XXXX. Prior to this transfer I had made XXXX aware of misapplied payments again in XXXX and received a letter of investigation from them. I also sent them information via email showing this misapplied payment. 
When I went to originate a new loan with XXXX XXXX XXXX XXXX-XXXX XXXX it was determined that XXXX had not made changes to my credit, Loancare had begun reporting me negative as well, and that payments had been misapplied by both lenders. 
XXXX late payments- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX & 30 day late payments reported. 
LoanCare- late payments reported XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX They have greatly impacted my credit and ability to be approved for a mortgage loan based on their egregious posting of my loan payments that have never been late. They have impacted my credit standing and caused me to spend time, effort and money to pursue resolution. 
XXXX has not been responsive and I have had to contact them almost on a daily basis. Loan care reported me late for periods during which they did not service the loan. I have all cancelled checks to support on time payments and negate their erroneous reporting of late payments to 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 explanation
Consumer complaint received 2017-06-01
Company: AES/PHEAA
State: IL
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:
I repay my federal student loans under the REPAYE income-driven repayment plan. On  XXXX   XXXX ,    2017,  I submitted my annual income documentation to FedLoan Servicing to recalculate the REPAYE amount. As my family 's current income differed significantly from our most recent federal tax return, I used  XXXX  recent paychecks as documentation.     On  XXXX   XXXX , I received notification that my monthly repayment amount had been calculated. However, the amount was too high. Going back to the calculations, I noticed that the number calculated b y FedLoan wa s exactly what I would get if I ignored all pre-tax deductions from my paycheck.     I emailed FedLoan twice but received no response. I called them on  XXXX   XXXX , and was told that they would look into the matter within  10 bus iness days. I called back on  XXXX   XXXX  and was told to wait one more week. Finally, when I called on  XXXX   XXXX , I was told for the first time that it is FedLoan 's policy to ignore pre-tax deductions from paycheck income documentation if they ca n't tell exactly what the deduction is from the description on the check.     I was informed that I could submit a letter on company letterhead from my employer and request   expedited review. I did so and FedLoan adjusted the next monthly payment to the correct amount.
While this incident has been resolved for me, I have several concerns : 1. It took a month and a half and five inquiries before I was given the information necessary to resolve the concern. I doubt many borr  owers are this persistent.      2. I imagine most borrowers do not take the time to sort out payroll deductions, research the federal poverty guidelines, and do the calculations necessary to confirm that the servicer is billing the correct a mount. I worry that many borrowers who submit paycheck income documentation are being overbilled if pre-tax deductions are ignored.      3. Nowhere on FedLoan 's website ( that I can find ) is there any i ndication that an employer letter is needed to document pre-tax deductions. Nor is it in the federal income-driven repayment plan instructions. A much better arrangement would be for the servicer to contact the borrower if there are any deductions that they do not understand, so that the borrower has an opportunity to provide additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
hi transunionhas a 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 XXXX XXXX over XXXX XXXX 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 XXXX XXXX straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I spoke wit Transunion and spoke with  XXXX -Supervisor and explained that I was aware of the glitch that occurred in  XXXX  and again early  XXXX . The problem that occurred i s TransUnions ', not  mine. I should have been notified prior to re-adding inquiries back to report, I did reach out in good faith asking that they are removed due to re-added illegally. As this is hurtin g my credit score an d adding hardship and my rights were violated by Transunion and victimizing myself. Please remove all of the inquiries permanently from my 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 explanation
Consumer complaint received 2021-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal has permanently restricted my account from being used. I received an email stating i can no longer do business with them on XX/XX/2021. I called paypal to, once again, take my account restriction off. Paypal had just placed it on restriction and then removed the restriction as everything was satisfactory. When i called paypal, they wouldn't even confirm that my account was restricted or say anything but in 6 months that I would receive an email with instructions on how to get my money back. After several calls, I gave up. I already couldn't withdraw rent and was told I had to move. I also ended up losing the job due to having to move and now I couldn't even get paid for work through paypal, which is why I opened my account in the first place. So six months later, i try to transfer out of Paypal and didn't have any luck. I called Paypal and asked what was the hofd-up. once again they said that they would want me to wait longer. And i have waited long enough finally. My whole life ( lately ) has failed from Paypal since. I need some serious counseling from the damages paypal caused my family and me. We lost out on opportunities from having that money. we are still recovering. It's still affecting my situation. Im not sure what to do, nor how to do ANYTHING anymore. i know i can't trust banks. i dont know how to act with any businesses because i now know they can do this to a person, and will do it and not have to tell you a thing and there's nothing you can do about it, because there is no paypal bank. I have lost almost everything and am most likely to get a divorce before this is over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is another complaint the regards for Bank of America in regarding a fraudulent dispute that was closed due to no error and is now reopened and not looking at the evidence provided. I opened my original claim and was denied the XXXX day looking as if it went through the filtration system so they did not have to provide provisional credit. The claim was filed on on XXXX for the amount of {$30000.00} which the card was never used by myself and was sent to another address and multiple withdraws and merchants that I did not use. I am seeking that they resolve my claim and refund the money of the fraud that was committed. They also compromised my security of not protecting me with not having XXXX chip and visas zero tolerance for fraud. The claim number is XXXX. I have given them police reports, fbi report, drivers license, social security card and have been in there branch 4 times. If they would of protected me with XXXX I would have not been frauded.

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