BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Late fee

Complaint:
XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   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 explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?

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 2015-04-11
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Every time i try to check my credit score it says my personal information is incorrect. I put in all my old addresses and nothing.

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 2017-05-06
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was behind kn my payments in XX/XX/2020 and a customer service representative called said that they would be able to set me up on a covid relief program. So we did and he told me not to make my payment for XXXX it would be fine and not show on my creidt report as.late. 
I have looked at my report and it IS showing late and I asked for it to be correct and I have not heard a other word about it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Navient Solutions, LLC.
State: CO
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:
Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I requested via certified mail that Experian investigate XXXX collection accounts on my consumer credit file. On XX/XX/XXXX, I received via email the results of their investigation. 
Experian concluded that the information supplied by the alleged creditors were accurate and updated one of the accounts with new information. 

By doing so, Experian denied me the right to validate both debts and violated my right to privacy under 15 US 1681b by discussing my non public information with the creditor ( s ). Experian also updated one of the account with information from the alleged creditor, pursuant to 15 us 1681a ( e ) this is also a violation of my consumer right. 
Experian continued to report the accounts while being disputed, a violation of 15 U.S. Code 1681 [ A ] [ 1.A ] I was not provided me with the description of the procedure used to determine the accuracy of the information or proof of theses alleged items ( contract or any instruments bearing my name agreeing to pay the alleged creditor ) Best regards, 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 explanation
Consumer complaint received 2015-11-04
Company: 1st Franklin Financial Corporation
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?

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 2016-11-04
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.

Company response to consumer: Closed
Consumer complaint received 2015-06-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and M ail Fraud. Th is particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Custome r Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

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 2016-06-09
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a ftc report regarding fraudulent accounts on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX ) and they have been closed and removed from XXXX on XX/XX/2021 and on XX/XX/2021 from XXXX. Transunion just closed the accounts without removing and our reporting late payments. A consumer reporting agency of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days should be blocked.

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 2016-08-08
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am being charged XXXX percent interest on a loan for expenses when my vehicle broke down. I am currently XXXX XXXX military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX   XXXX   XXXX  , I called  Wells Fargo bec ause I cancelled all my autopay with my credit card companies and loans in  XXXX  of  XXXX . I noticed that a few were still debiting my account without my consent. I contacted  Wells Fargo  and told them that I just wanted to close the account be I felt that I did not have any control over the account. They suggested that I open a new account with a new account number and that would solve the problem. They filed a claim for me to get the a refund on all the money that I lost due non authorization debits on my account. I thought my troubles were taken care off. I noticed that on the new account, it was still being debited!!! Wow!! I called them and was told that by a supervisor that she had made the necessary changes and would re-file my claim and it should not happen.  Guess  what? Not only did they deny my claim but it was still happening. I was just frustrated with them so I called them to close my account again. They would not let me close it. Now because it has been negative due to them accommodating debits on a new account, with a new account number they finally closed it. I want to resolve this issue because I do n't owe them anything and I do n't want this on my credit report when I did everything that I was suppose to and they did n't. I am hoping to resolve this issue. This has been very stressful for me and no one should have to encounter this. I was actually a good  Well Fargo Customer.

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 monetary relief