BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: TN
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 have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and Experian. There were no late payments either. I need this information corrected on my reports immediately.

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 2020-07-27
Company: Mr. Cooper Group Inc.
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: Account status incorrect

Complaint:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX/XXXX  is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had Bank of America contact me saying someone was trying to deposit a check from me into their account for {$32000.00}. The person trying to deposit the fake check was a XXXX XXXX, told to be by Bank of America fraud protection. They called me and I confirmed that I don't have an account with a XXXX XXXX XXXX and told them that it was a fraudulent check. I called XXXX XXXX XXXX and they asked for the account number on the fraudulent check, so that they can further investigate. Bank of America told me that they couldn't provide me with that information. I asked for a copy of the check and they also refused to provide that to me. Seems to me that someone has opened a fake account under my name and are now writing checks under my name. I just want a copy of the fake check, so I can put a stop to this before my credit is destroyed. Seems like they are trying to protect the criminal. 

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: TN
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 have disputed the fact that I was never late and there is not a pending foreclosure. My Equifax report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with Equifax, XXXX and XXXX. There were no late payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Resurgent Capital Services L.P.
State: TX
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:
I am a federally protected consumer and I am concerned that Resurgent Recievables may be in violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Resurgent Receivables and its affiliates solicitations and never gave Resurgent Receivables or any of its affiliates direct to solicit anything to consumer reports. Due to Resurgent Recievables and its affiliates negligent behavior I have been substantially injured and intend to file suit should my demands not be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I notified Capital One Credit Card that my card information had been stolen and to close account, issue a new card, and to stop all automatic payments the person had put on card without my authorization. Captital One ignored my request andcontinued the unauthorized automatic payemnts to several companies ... running my bill up to approximately {$2800.00}. I believe I owe them approximately {$1500.00} and have offered to pay that month with {$100.00} installments for 15 months. They have refused my offer and have now involved an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.

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 2022-08-04
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: Account information incorrect

Complaint:
To many hard inquiries on my report at all three credit reporting companies not authorized

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 2022-09-01
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
There was in Inquiry placed on one of my credit bureaus ( XXXX ) from FNB OMAHA on XX/XX/2022 that I do not recognize. I did not authorize this company to place an inquiry on my report, nor did I sign or give consent to pull my report. 

Please remove this inquiry immediately. 

Thank you.

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 2022-09-01
Company: EQUIFAX, INC.
State: GA
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:
Second Notice to report fraudulent inquires on my consumer report. 
I filed a complaint with CFPB on XX/XX/XXXX and my case was closed XX/XX/XXXX that the issue was resolved. The following inquiries are still on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.

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 2017-08-27
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.

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
Consumer complaint received 2022-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello! I would like to complain about Pennymac company. I have tried to resolve my issue over the phone and via messages a few times without any success. I have a mortgage with them for about 10 years, they are not my original mortgage originator. I have attached the screenshot from my " Loan Activity '' page and the answer they provided about interest part calculation. My interest 3.5 %, my monthly payment is {$2200.00}, escrow is {$560.00} and usually, I do an additional principal reduction payment on the 13th day of every month. So basically, for the previous 10 years, they computed the interest part of the monthly payment using the last available principal balance. In the " Loan Activity '' attached document you can verify that : XXXX. Line XX/XX/2022 - interest {$470.00} = ( previous balance ) $ XXXX XXXX. Line XX/XX/2022 - interest {$460.00} = ( previous balance ) $ XXXX But starting XXXX 2022 ( Line XXXX/XXXX/2022 in " Loan Activity '' ) they changed the interest part calculation, they provided the answer in the attached document " Answer 2 ''. Instead of charging {$440.00} = ( previous balance ) $ XXXX, they charged interest part {$440.00}, dividing the month into two parts : before receiving a principal reduction and after. The same issue happened for the XXXX payment. My argument is that even if I have a fixed payment every month, my interest part now is more and the principal part is less. Also, they did not provide any notice before implementing the changes. Their arguments are- they should not provide any written notification because they enhanced interest calculations in order to save the customers ' money. I think it is not true and deceptive, without any difficult calculations it is obvious that they do not save my money. My calculations are in the " fair resolution '' box and for the two monthly payments my principal balance off {$4.00}. And it is only one account, doing it for every account brings them thousands every month. Please contact me if you have additional questions or need more evidence, phone # XXXX. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: S&N Debt Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with this company to help resolve debt load and pay it off. They collected my money for months and did nothing. It has ruined my credit. Then they finally admitted they only negotiate settlements when they get enough in thier accounts to pay off a debt. It doesn't work like XXXX where they will make payments and help settlement on the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: BARCLAYS BANK DELAWARE
State: LA
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:
On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.

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 2022-09-02
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Following the Biden Administration 's announcement about student loan forgiveness, I contacted EdFinancial to inquire about a refund for student loan fees I have paid since XX/XX/XXXX. On XX/XX/XXXX I called and waited on hold for more than XXXX hours to speak with a representative. During that call I asked about the process for requesting a refund and was told that it would take XXXX months for the refund to be processed. I asked for clarification on how this would affect my ability to receive the student loan forgiveness, and when my loan balance would be reinstated. EdFinancial could not give any answers, and then the call dropped. EdFinancial did not make any attempts to call me back. During that call I also asked EdFinancial to please confirm to me the amount I had paid since XX/XX/XXXX, and EdFinancial could not confirm the amount and did not even attempt to do so. ( My loan was transferred from another provider, XXXX in XX/XX/XXXX, and my payment history for more than a decade prior to that no longer appears in XXXX  and does not appear in my EdFinancial account. ) On XX/XX/XXXX I called again and waited to be called back. EdFinancial did not call me back the entire day, or any day after. I then used the customer service chat feature and spent XXXX XXXX speaking with and waiting for responses from another representative. This time I was told it would take at least XXXX business days for the refund to be processed. I again inquired about when my balance would be reinstated, and EdFinancial did not know. I then asked whether I would be provided written confirmation of 1 ) my refund request 2 ) the amount to be refunded 3 ) EdFinancial 's guarantee that my balance would be reinstated before the student loan forgiveness was processed, and 4 ) that I could cancel the refund request at any time before it was processed. EdFinancial told me they could not provide anything in writing.

I understand that EdFinancial, like other loan servicers, is trying to implement major changes due to the announcement ; however, as a customer, this refund timeline appears to be much, much longer than that of other loan servicers, and it is extremely concerning to me that EdFinancial could not even tell me my payment history or give me enough information to make an informed decision about whether to request a refund.

Company response to consumer: Closed with explanation