BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: PA
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:
After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my XXXX & the same account is listed under numbers XXXX on my Equifax & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both equifax & XXXX. 

I would like all addresses removed except XXXX new XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my Equifax I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my equifax again its still badly Reporting my credit report. Please delete this account please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date of transaction was XXXX XX/XX/2023 @ XXXX check was deleievered to Ally. Check was Reconciled on XXXX XX/XX/2023 by Ally. The XXXX XXXX XXXX XXXX XXXX sent them a check for {$54000.00} u.s.c to pay off my loan XXXX Ally since I refianced my vehicle through my XXXX XXXX XXXX XXXXXXXX. I been banking with the XXXX XXXX XXXX XXXX union for over 10 years. The XXXX XXXX XXXX XXXX XXXX has also been helping me ( XXXX XXXX and XXXX ). The Nature of this disput was that the check was returned for no reasoning and that me ( XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX did not recieve this check back. Ally also stated that they dont know where the check went back to or were it went. The bussiness has not helped or not tried to resolve the problem. This bussiness ( Ally ) sent me a letter to my parents residence stating that the vehicle was paid off and congratuatlations. Now to this date. The credit union send two check were ally stated they were reversed back and sent back with XXXX XXXX or the Credit Union not recieving the second check back. Everytime We call Ally, We got the run around and talk to atleast 7 people getting transferred to either customer service, collections and back to customer service. This bussiness has not helped and ruined my credit for telling me my vehicle has been paid off and reverse the transaction and now been 109 days since i made my last payment through them. I currently have two loan Now on 1 vehicle which i Shouldnt be doing. Ally now is trying to hit me with late fees and charges for something they should be responsable for. Tracking number for this chexk is through XXXX and is XXXX and the check was delievered on XXXX XX/XX/2023 at XXXX and was reconciled on XXXX XXXX XXXX status also shows reconcile which ill provide photos. No ad was not advertising. This is currently effecting my credit aince I been paying my new loan for the vehicle. Ally is totally at fault for this and is trying to have me pay fees I should have to since they never notified me about my checks

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 2023-07-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received {$20000.00} from my brother 's business account from California to be used for emergency medical funding for our brother back home in the XXXX. 

He sent the amount on XX/XX/2023 and I saw it in my Citibank mobile app as pending. 
Few days later, I do not have access to my app anymore and I called Citi to check what was happening. They told me that they need to verify where the amount came from so my brother from California contacted them together with his bank and had a three-way call to verify that it is a legitimate transaction. It still didnt work and the next day I went to the branch itself and they told me that my account was closed. 

This is unacceptable because my brother is in the hospital and that money was all we have for him. They said that the amount will be in review for XXXX days but we don't have that much time, if my brother dies because of this nonsense, we'll have to sue them for whatever extent possible. We are willing to send any correspondence or bank statements to prove that this money doesnt need to be held for too long. Please help us out.

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 2023-03-23
Company: HW Holding, Inc
State: AR
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:
After reviewing my credit profile on XX/XX/ I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/ as this was an account that I did not recognize. I received a dispute result from XXXX today, ( XXXX  ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XXXX ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has XXXX authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Mr. Cooper Group Inc.
State: SC
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 am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the Nationstar that I will discuss the details pertaining to the unfair mortgage practices. Nationstar has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a HELOC loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid XXXX 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CrossCountry Mortgage LLC
State: RI
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:
CROSSCOUNTRY MTG/XXXX ACCOUNT # XXXX Late payment reported on ( XXXX, XX/XX/2020 ). Please update the account as Paid/Current The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/2020 stating creditors should not report any late payments. The law says the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXXOVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XXXX XXXX, 2020 and do not apply to charged-off accounts. Please remove the late payments on XXXX and XXXX 2020 as its a direct violation of the Coronavirus Aid, Relief, and Economic Security Act. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Flandreau Santee Sioux Tribe
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
They called me in XX/XX/2023 to settle a debt but they threaten me that if I do not make a payment plan that they will come to my job or come to my house and also garnish my wages. They also told me that they have my Social Security number. I tried to start a payment plan with them and is not able to pay it back at the moment so now they called me again. XX/XX/2023, and they are saying the same thing. If I dont settle the debt said theyre threatening to come to my house or my job or garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been a customer of Self for over 6 years. I have had multiple credit builder accounts and have paid them off and received my payout each time. I just recently paid a credit builder account off in XXXX and received my payout with no problem. Earlier this month, I received e-mails asking me to verify my information so I had to send them a picture of my ID, a picture with me holding my social security card, my bank statement proving that my XXXXXXXX XXXX account was mine and I did all of that. I attempted to pay my Credit Builder off early on XXXX but the system would not allow me to until they verified my information. I received an e-mail from Self stating my information was verified on XX/XX/23 and I could then pay off my account. I was then able to pay off my credit builder account on XX/XX/23 with my final payments totaling {$2700.00}. I then received an e-mail on XX/XX/23 stating that they closed out my Credit Card and kept my {$3000.00} deposit because they " couldn't verify my identity '' but they just verified it on XX/XX/23. Then I received an e-mail saying that my payout from my Credit Builder account of {$3100.00} would be paid out to me on XX/XX/23. I never received my payout at all. I have called Self every day since and they keep saying its " under review '' but when I ask to speak to a supervisor or the review department, they literally act like they are putting someone on the phone and then hang up every single time. I am beyond frustrated. Not only did they close my credit card account, which is going to hurt my credit score, they kept my {$3000.00} deposit from my credit card AND now they won't even pay me my expected payout. I am beyond frustrated. Self keeps telling me they can't verify my social but they literally have a picture of me holding my social security card and everything. This is starting to feel like they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. 

I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. 

On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. 
In the meantime, I have no cash left in my checking and brokerage account. 

Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Thaxton Investment Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Judgement was entered on XX/XX/XXXX. 
Now have another summons for court to revive this judgement. Sent on XX/XX/XXXX This should be time barred debt. 
Missouri statues of limitations is 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX offered me internet service for my house I signed a contract, when technician went by my house to install he informed me that the XXXX  company is not able to provide services in my community including my house this happened back XXXX. I visit the administration office to let them know the situation, how amI going to pay a service that Im not receiving, they transfer me one agent to another with out a concluded contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My debit card and some of my credit cards got stolen, all charges on credit cards got taken care of however one charge on my debit bank of america said we or some who has acess to card made purchase and we are luable for it, there were 2 purchases smaller kne got blocked but bigger we t throught, we almost never make any purchases on the debit.

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 2023-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a Loan Modification, on our VA home loan, that started in XX/XX/XXXX with XXXX and in XX/XX/XXXX XXXX sold our loan to Carrington Mortgage. We stated we had the loan mod documents and have been paying on time and sent the documents. XXXX stated they sent the documentation as well and had Fax confirmation that Carrington received. 

Carrington stated not to worry as our documents were under review and they had us under forbearance until our account was updated on their end. Finally, in XXXX, they stated we have a better interest rate and to sign new loan modification which would start in XX/XX/XXXX, which we did. 

In XX/XX/XXXX, Carrington stated they had to return to the loan mod that XXXX had us sign. We contacted Loan Administration section of Loan Guaranty through the Department of Veteran Affairs, and XXXX finally had us re-sign again on XX/XX/XXXX, for the agreed amount starting XX/XX/XXXX. 

During the time that this was all in flux, we started making on time payments in XX/XX/XXXX to XXXX according to the loan modification. In XX/XX/XXXX we started paying Carrington. The only month we did not pay was XX/XX/XXXX, because they said no worries you are under forbearance and your new amount starts XX/XX/XXXX. 

We are still waiting for them to update our account with the correct payment information. Also, they reported to the credit bureau in XX/XX/XXXX that we have been 180 days late. After speaking with Carrington, they researched and told us they made a mistake, which they could not fix internally, and we had to report/dispute to credit bureaus in order to fix this. Reporting that we were/are 180 days late has caused both mine and my husbands credit ratings to plummet about 80 points each. 

This company has been giving us the run around ever since they took over our account last year. The false reporting has created a problem, we were planning to obtain a car loan but will have to wait for our scores to be corrected. This has caused undue stress and harm since Carrington Mortgage took over our VA home loan last year. 

We will be happy to provide additional information and documentation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My debit card number is XXXX XXXX XXXX XXXX. Chase has restricted my account for over one month and promised to send me the checks for the remaining balance, but it is nowhere to be found. When I called them, some said that the checks had been mailed out some said it hasn't, so I am confused about whether the checks have already been mailed out since I didn't receive any official notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NE
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NE
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 have requested gif inquiries to be removed. I did not apply gif any product or service with XXXX in the past. Equifax have also repeatedly told me that thirds inquiries were deleted several times I e a two month period since XXXX, Thry were not removed. I spoke with XXXX on XX/XX/2923 and they also spoke spoke with Equifax representative. 
The supervisor with XXXX XXXX explained that I did not have any accounts and that I didnt apply for any product or service with XXXX in the past.

Company response to consumer: Closed with non-monetary relief