BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

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 2019-07-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
**On XX/XX/2019 I made an online mortgage payment of {$1100.00} to Ditech Financial LLC to pay for XXXX. The payment, unbeknownst to me, was not applied because I mistakenly transposed the last two digits of my bank account number. 
**When I noticed that the money had not been withdrawn from my account after several days, I phoned my bank and learned that no request to withdraw had been received from Ditech . 
**I phoned back and forth between Ditech and my bank for about five days asking about XXXX XXXX payment. Finally, a CSR from Ditech assured me that the payment had, in fact, posted as " received '' on XX/XX/XXXX. 
**It was not until on or about the XXXX of XXXX I received a voicemail from a CSR from Ditech who left no detailed message but left a number for me to call Ditech . 
**On XX/XX/XXXX, I received a form letter from Ditech informing me that my payment for XXXX was returned for non-payment. Nothing was mentioned about Ditech reporting to the credit bureau. 

**Prior to this incident, I had begun the process of refinancing my home. It was because of that process I learned that Ditech had wasted no time in reporting a LATE payment on my mortgage to the credit bureau. 
**The next time I called Ditech to dispute the negative credit bureau entry and was told to send an appeal/request via U.S. mail or fax to have the negative report reversed. I did send the fax. I included the fact that this was the fault of a simple error and due to the extenuating circumstances, they should reverse that report. 

**Yesterday I received another letter from Ditech stating that they will have to " look into the matter '' and I should expect a reply in 30 days. What is there to investigate? I have told them what occurred, it was a SIMPLE typographical error. I have not missed a payment or been late until this incident. WHAT is there to investigate?? This is unnecessary. 
Incidentally, I owned my first house for 23 years and was NEVER late nor missed any payment. 

**Ditech has served me an injustice. I did everything I could possibly do to verify my payment was on time. But due to their slow moving collecting system, payments take days to go through then even more days to be returned then more days to go through again. If Ditech was better organized, and their personnel better trained, and they had a faster collecting system could have possibly been avoided. And consider the fact that I was told my payment had been received AND posted as PAID. How can they justify such a hasty move to the credit bureau? 

**I am sure you can understand my frustration. I am trying to refinance as well. The right thing for Ditech to do is to take that negative report off my credit file with the same haste that it was sent. 

**This statement can be corroborated by Ditech playback of their calls that are recorded with customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against XXXX and TransUnion for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/2013. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by XXXX and TransUnion. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : XXXX and TransUnion are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, XXXX and TransUnion have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by XXXX and TransUnion. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by XXXX and TransUnion.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: OR
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:
The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later XXXX sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. XXXX denied this and continued to report as not payed. So I disputed with a second crediting agency. Now XXXX is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.

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 2021-03-14
Company: National Recoveries, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the collection agency that states that they have an extremely expensive amount of loans in my name. I am attaching the verification letters that I sent to them that appear on my credit reports. They sent back to me a loan application with my name on it for 2001, no other information. I informed them that they did not verify all the accounts that they had listed and that they should be removed from all three bureaus. I am asking or your help to enforce that this collection agency does not break the law on my behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: FISERV INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.

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 2023-11-07
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment to my American Express credit card for processing on XX/XX/2023 in the amount of {$7000.00} to be debited from my Citi checking account. After a few days I noticed my balance still had not updated and I checked my American Express account as well. Payment still had not processed. I contacted Citi and they said they sent me a letter that my account was on a hold due to a change of address. I moved well over a month ago. Payments have been processing all month since my change of address. If there was an issue they should have called, emailed or texted me if there was suspected fraud or any hold on my account. I should be made aware directly asap. A letter that takes 7-10 business days is not acceptable. I still have not received this supposed letter as of today. So not sure this supposed letter exists. They finally released the hold on my Citi checking account after I called them. I then contacted Amex and they said the payment was denied/rejected by Citi. They said they would try to process the transaction again but it was denied again by Citi when I had plenty of funds to cover it. Because of this my payment was deemed late and I was charged {$190.00} in interest because of Citi mismanagement of my funds in my checking account. I have never been charged interest as I akways pay my statement balance in full. This is unacceptable. Citi needs to pay my interest fees since they are responsible.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$8200.00}

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 2021-03-14
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: Investigation took more than 30 days

Complaint:
notices some unauthorized, and fraudulent entries listed on my report. The following accounts submitted below please block and remove from my report. These unauthorized, and fraudulent entries are hindering my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting 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, the list of accounts has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions. 15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Mid-Atlantic Finance Co., Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Basically getting the run around trying to receive a car title from MidAtlantic Finance Co, after paying off the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}

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 2021-03-13
Company: LendUp Loans LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$350.00} Payday Loan and {$1000.00} installment loan ( contract no. XXXX and XXXX ) through LendUp in 2018. I experienced financial difficulty as the result of the government shut down and was unable to remit a payment on my loans. A male rep reached out to me regarding the loans and we discussed a payment plan and I expressed my concern regarding being charged a higher APR rate/fees when it was suppose to be lower based on my level as the result of my ladder points. I was told that he would look into it and if I made so many payments the remaining balance would be waived. I did my part and I never received an adjustment in my APR rate/fees and LendUp never updated the status of my installment loan ( it still shows that I owe when I do not ). LendUp continues to report me late to the credit bureaus which is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have yet to Receive money now the bank is trying to keep my funds for a negative balance I didnt cause because I still had money in my account before yall took my money out without my knowledge then told me after they took it a month later Because how do the Bank of America take credits you guys made permanent and put it towards a negative balance yall caused me to have my bills are to backed up for this I need my funds released now all of them theres no excuse for taking my funds to fix any negative balance caused by Bank of America when it should Have never happened And putting them towards any negative balance regardless of me taking money out of my credits wen they were made permanent my negative balance should have been 0 out before putting my money back then I was told i paid for 2 claims that wasnt approved but the bank approved 2 but my whole claim clearly states that i never received my card at all so how do they approv 2 but deny 2 Im ready to get a lawsuit going on this bank on top of a fed investigation because one I should have had my money already and 2 theres no way they can keep my money to fix any negative balance they caused and lied about very unexceptionable its been over 5 months I have a family I wont take this from a bank or anyone on this earth AT ALL!!!!

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 2023-01-28
Company: Gemini Direct LLC, dba Credit Innovation Group
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Credit Innovations Group I saw an advertisement for fha loans bad credit no problem. When I called the phone number I spoke to someone named XXXX. I told XXXX that I wanted to rent to own. I told XXXX that I was now in a XXXX XXXX XXXX XXXX XXXX after over 30 years of homelessness and injustice. For over 30 years I had been told there was no permanent housing for the homeless due to overcrowding on the waitlist. I also informed XXXX that I am an ongoing victim XXXX  XXXX XXXX XXXX XXXX and that I needed permanent housing to end that vulnerability. Finally, I asked XXXX how much. He told me XXXX per month for a membership. XXXX failed to tell me about an additional XXXX hold on my bank card in the same month he also failed to tell me about reoccurring charges of XXXX per month. To add insult to injury XXXX also failed to tell me that there were no guarantees of permanent home ownership. But for this information I never would have signed a contract. What XXXX did succeed at was assisting credit Innovation into scamming me out of almost XXXX. XXXX didnt fail to ask me for my banks routing numbers. Blessedly I didnt know what they were. 
I have a very important annual that is due at the end of the month. The XXXX hold is the reason I couldnt pay that bill. 



Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX email XXXX XXXX www.creditinnovationgroup.com My Schedule : XXXX XXXX XXXX Do you have friends and family who might benefit from our services? Ask me for your personal referral code and my personal referral phone number. I'll take great care of them and I'll credit your XXXX XXXX {$50.00} for every person who makes their first XXXX XXXX payment. 



All information in this communication, including attachments, is strictly confidential and intended solely for delivery to and authorized use by the addressee ( s ) identified above, and may contain privileged, confidential information entitled to protection and exempt from disclosure under state law. If you are not the intended recipient, please take notice that any use, distribution or copying of this communication, and any action taken or omitted in reliance upon this transmission, is unauthorized by the sender and will be considered unlawful. If you have received this communication in error, please notify the sender and delete this communication from your computer. Credit Innovations Group, is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Credit Innovations Group, provides a membership and monitoring service, therefore, is licensed as a CRA, as defined under Section 600 of CFR ( 15 USC 1681 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/ I purchased a rocker/recliner online from XXXX XXXX  for {$300.00} using my XXXX XXXX credit card. The recliner was shipped to XXXX XXXX  in XXXX, NC XXXX ( XXXX ) XXXX. 

The recliner was sent back to the warehouse because I was informed by the manager named XXXX XXXX that I missed the four day time limit by one day. 
I was not informed about four day time limit. 

I did not get the recliner, but I received a bill for {$300.00} in XXXX. 

I made several attempts to XXXX XXXX Customer Service and to Comenity Capital Bank to try to resolve this matter by checking my account and to have this charge to be taken off of my credit report. 

My credit score went from XXXX to XXXX because it was fraudulent reporting. 

I received an email from XXXX XXXX  on XXXX  informing me that the information would be sent to the District Manager of the local XXXX XXXX XXXX. I was given a case number, but nothing has happened about the charge sent to the credit bureaus. 


Thank you very much

Company response to consumer: Closed with explanation