BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " XXXX '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my Equifax profile, but the same account is still being report erroneously on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: OneMain Finance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX submitting this CFPB complaint. By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance Owed : {$4400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2022-11-15
Company: BELMONT FINANCE LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXX XXXX, My name is XXXX XXXX XXXX. Please contact me via this email and by phone at XXXX I was working with a vendor and she connected me with a finance company to finance a product that she wanted to sell to me under false pretenses. I was unaware that I was signing up for a loan and she assured me that I was not signing up for a loan and that the product was returnable within 90 days. Upon speaking to the customer service representatives at Belmont Finance LLC I spoke to a representative named XXXX I asked XXXX if it was possible for the loan to be canceled and why was not offered a deferment he advised it was due to my credit and that if the vendor wanted to she had the ability to cancel the loan. I reached out to the vendor to relay this information to her and she proceeded to contact my finance company figure out exactly who I was talking to which was XXXX XXXX and he gave her information regarding my credit why was an offer the deferment and basically what we talked about. The winner text me stating that XXXX XXXX allowed her to listen to our recorded conversation And gave details about our conversation as well. The vendors name is XXXX XXXX of XXXX XXXX XXXX XXXX in XXXX North Carolina. XXXX should not have been able to contact my finance company figure out who I was talking to you or we told who I was talking to you as far as the representative get information regarding our conversation my credit and listen to our record a conversation which she admitted to doing so via text with. I have attached a copy of the screenshot showing her phone number and a text. The finance company has confirmed that a conversation between XXXX and XXXX did take place regarding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my account balance was over $ 4k. On the same day, my husband 's paycheck, which is normally received via direct deposit, was delivered as a live check by XXXX at XXXX, due to payroll processing issues on the part of his employer. The BBVA branches were closed, so we deposited the check via the mobile deposit app. The bank put a three day hold on the check and after calling to request the hold be lifted, they denied the request. This was a payroll check and by law they can not hold the funds.

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 2022-11-15
Company: EQUIFAX, INC.
State: CA
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:
I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US BANK TOOK XXXX FROM MY ACTIVE ACCOUNT DUE TO A FRAUDULENT ACCOUNT THAT WAS OPEN WITH OUT MY PERMISSION. XXXX WAS OPEN BY A WOMAN NAMED XXXX XXXX WHO RESIDES IN XXXX ILLINOIS. 
I INFORMED US BANK OF FRAUDULENT ACTIVITY AND I WAS UNDER THE IM- PRESSION THEY SETTLE THIS MATTER. THEIR WAS A CARD ALSO ASSOCIATE WITH THISFRAUDULENT ACCOUNT. WHERE THE OFFENDER XXXX XXXX USED THIS TO GAIN FUNDS. I NEVER GAVE HER OR PROVIDED HER WITH ANY OF MY INFORMATION NOR DID GIVE HER ACCESS TO MY SOCIAL OR ETC.

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 2015-08-10
Company: Receivables Performance Management, LLC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2021-07-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have several commenity bank store cards. Every month every single time I try to make a payment I receive a we are having technical difficulties. I will try repeatedly to make a payment and receive the same statement. I then try to lookup my account and I receive thie information is incorrect. I finally have to call and make a payment over the phone. It is every single time and Im beginning to think they do this so you are late paying your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: HI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Huntington Bank bought out XXXX. I had a checking account with XXXX XXXX. I attempted to access my account through Huntington, but could n't. When I called Huntington they said the account was closed, because I owed {$70.00} something to my XXXX XXXX account, which had been sent to collections. My very last communication with XXXX XXXX was an email saying my account was low, but not overdrafted. Huntington told me to contact XXXX XXXX ... which, of course, does n't exist any more. I have received no communication with either Huntington nor with any collections agents. Huntington 's staff was incredibly rude and unhelpful. I was hung up on twice, and they kept rerouting me to different departments. No one would give me an employee ID number, even when I asked. The names of the employees I did talk to was " XXXX '' XXXX she would not give me her last name ), and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Netspend Corporation
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.

Company response to consumer: Closed with monetary relief