BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PR
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 called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.

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 2021-08-12
Company: EQUIFAX, INC.
State: TX
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:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$300.00} from XXXXXXXX XXXX XXXX and after receiving leads the leads were not leads!! I attempted to contact a few of the names and was unable to reach leads, but there was two or three that I was able to reach and was to that they were on line looking into XXXX but did not ask for any information at this time. I complained to XXXX 's and they did credit me for a couple of the leads but refused to do so for the other names that I had asked to be credited I was told I reached the limit. I asked to refund my money since I was not able to talk to ANY prospective buyers. Iwas told that i was not able since I was over the 72-hour cancelation window. 
I then put a call into Barclays ( my credit card provider ) to file a complaint, they suspendered the charge at the time, but upon their investigation then found in the merchant 's favor. I again reach out to Barclays I reached the dispute department but was told that since they had found in the favor of the merchant, and they could not do anything more. I explained that what the merchant told me was not what I received, and I am not paying for fraudulent agreement. I was told to mail the complaint to Barclys ( since I was not allowed to talk to a supervisor ) I can only send a letter of which I did. I should not be responsible for a service that is not what I agreed on. I am asking that some can help me resolve this issue on my behalf.

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 2020-04-03
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Performance is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law. 
Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.

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 2022-04-14
Company: Experian Information Solutions 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:
XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and Experian and XXXX Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.

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 2020-04-03
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-08-12
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am a XXXX XXXX XXXX veteran with a XXXX XXXX XXXX XXXX I used my VA benefit to purchase a property at XXXX XXXX XXXX, XXXX, XXXX  XXXX on XX/XX/XXXX. ( 0 % down and no tax liability according to law ). I secured a fixed rate mortgage and my original interest rate was around 3 %. My monthly mortgage payment was roughly {$680.00}. I refinanced my original mortgage with XXXX XXXX  XXXX and my mortgage payment increased to around {$760.00}. My mortgage was subsequently sold to Carrington Mortgage, and twice in three years my mortgage payment has increased over {$200.00}, allegedly due to escrow shortages according to Carrington Mtg. 
For the year prior to XX/XX/XXXX my mortgage was {$760.00} and, once again, allegedly due to escrow shortages my payment has once again increased {$210.00} to {$970.00}. 
Prior to this latest increase, Carrington Mtg. had increased my mortgage payment from around {$760.00} to {$880.00} for 12 months to cover what seems to them to have been an escrow shortage. Finding this out took many phone calls and conversations with several different people before I was able to make some sense of what their ostensible reason was for the increase. 
I do not understand how my fixed mortgage payment could increase in such large amounts over such a short period of time. I have gone from roughly {$680.00} per month to close to {$1000.00} in XXXX years. This baffles me and aggravates my sensibilities. Other homeowners in my location, whom I have talked to, have said they have never heard of mortgage payment increases in such amounts with a fixed rate mortgage. 
I am sending my complaint to CFPB with the understanding that CFPB has been involved with Carrington Mortgage before concerning other unfair practices by this corporation. Are Carrington Mortgages increases justifiable or legitimate? 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ________________________________________ Carrington Mortgage Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to send money and they closed my account and declined the transaction. I contact them to ask for explanations, they didn't gave any reason to cancel my account, didn't ask for any form the identification, the only option was me go to an office and take my ID. I explain them i am in a military base, i am in the XXXX XXXX in a year-long XXXX and there was not any intention for verify and resolve the issue. I offer them to check my military orders, my IDs, my passport, they suddenly finish the conversation without allow finish my arguments. That happens today XX/XX/2023, XXXX XXXX was the person who was talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and XXXX and TRANSUNION has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and TRANSUNION they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

This is my written instructions to remove the erroneous XXXX XXXX account from the credit report and credit file.

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 2023-12-13
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I called National Credit Adjuster about a XXXX collection item I had wanted to set up a payment plan to satisfy XXXX debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
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:
I leased a XXXX XXXX in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported 2 late payments in XXXX for an account that is closed and paid in full.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
I have two XXXX XXXX accounts on my credit report that is closed and been closed since XXXX. I recently checked my credit report and noticed that Experian has been continuously reporting XXXX  every month up until XXXX. I sent two letters regarding this issue so they can fix this issue on XX/XX/XXXX. I have not received a written response back from Experian regarding these two accounts and have not received my credit report. It is against my rights for them to refuse my request. When I look at my credit report both accounts are still being reported as XXXX, which will keep updating and it will not fall off my in the timeframe of 7 years. This is illegal as stated by FCRA I would like both accounts deleted and to be paid a {$1000.00} settlement for this violation. When I look at any other accounts on my credit they stopped reporting XXXX  when the account is closed, how can these two accounts continuously report XXXX  every month? It will never fall off my credit if so and thats a violation!!!!! I intend to litigate if this continues. XXXX  XXXX account XXXX and XXXX  XXXX account 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 2020-12-03
Company: The Bureaus, Inc.
State: GA
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/2020 i received my letter from XXXX XXXX XXXX stating that my debt owed to XXXX  XXXX XXXX Credit Card has been paid in full. The Bureaus collection agency will not remove this debt from my credit report no matter how many times in the past 6 months i have disputed thru XXXX XXXX that the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was an actual victim of credit card theft. The Amount owed is nearly XXXX dollars. I disputed with the credit card company but they refused to grant me the money back dispute the fact that Ive had to file a police report and even go to court and the guy even admitted to doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed that 3 inquiries from XXXX to XXXX for XXXX XXXX have opened accounts for credit cards that I dont have and never got approved for with my knowledge. As well as a XXXX DT Credit which I dont know what or who that is either. If someone could please help me figure out whats going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to reach out to my Mortgage, Sun Trust Mortgage, regarding COVID-19 problems and hope to hold my payments for few months. They do not have an option on their web site to hold the mortgage payments. They do not answer the phone. I was on hold for 3 hours and they did not pick up. This is not right. I would like to file a complaint against them. All other Mortgage Banks are helping people. 

If you go to their web site, www.suntrust.com - There is a box for " Request Payment Relieft '' They have listed credit cards, line of equity, etc.. But, NOTHING ON MORTGAGE PAYMENTS. 

Please contact this lender to see why they are not doing anything on the Mortgage Payments. 

Thanks,

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