BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the XXXX I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, XXXX XXXX  charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.

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 2020-12-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am a long time Navy Federal customer w/ a credit score over 800. I tried to refinance my car loan from XXXX  to NF. I have no debt with the exception of the car loan, house paid off. I was denied a loan based on my income of {$1400.00}. I combine a savings account and my SS for living expenses. I was recently approved w/ NF for a new mortgage. I have not used the mort. loan and understand if I do I would need to pay off the car, which I can do. I was told I would know instantly, then 2 hrs, then 24 hrs and now 2-3 days. I feel like I am dealing with people who dont care or understand debt to income or get my situation. Pls help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Effective this date we refinanced a long standing mortgage with XXXX through XXXX XXXX. Paid XX/XX/20 mortgage payment to XXXX XXXX  XX/XX/20-Effective this date servicing of loan transferred to Shellpoint. Made mortgage payments from XX/XX/20 through XX/XX/20 to Shellpoint. When Shellpoint transferred the loan to XXXX, they reported that we had not made XX/XX/20 payment. We have bank statements showing withdrawal of mortgage amount each of these months to Shellpoint and have emailed them to customer service representatives and a supervisor at Shellpoint as well as advising them about the error in reporting the mortgage balance to credit agencies. 

XXXXEffective this date loan transferred to XXXX. Payments made to XXXX on XX/XX/20 and XX/XX/20. XXXX has reported to the credit agencies and notified us that we are one month late in payment of loan because they applied XX/XX/20 payment to XX/XX/20 payment. I have emailed statements showing all payments made on time including payment for XX/XX/20 to XXXX escalation manager. After trying to resolve this for a month and seeing a drop in my credit rating, I never got a clear answer from Shellpoint and was told by XXXX that they would try and resolve it in 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was left a pile of papers at my door saying I was being sued by Portfolio Recovery for {$730.00} on debt that was not mine. I signed nothing on behalf and was not aware of this company. I have to show up to court on XX/XX/ to fight this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Deficiency Notice is Void and unenforceable, please read attached. 
No Notice of Sale on XX/XX/2020 ( 10 days prior to sale ) and voluntary repossession was not commercially reasonable for reasons stated in the attached. Deficiency Notice is void and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/2022 I closed my checking account at CitizensBank. I went into a branch and spoke with the teller on how I was leaving Citizens. She cleared out my account and handed me my money, and told me that my account was now closed. I did my due diligence by checking my online banking, and the account disappeared out of my app. I actually kept the app on my phone for periodically checking, and the account was gone without a trace. Months later I received a call from CitizensBank stating that I was - {$350.00}. I was confused because I closed the account with a teller in person. She told me I had a charge go through so the account had opened back up and then the overdraft fees piled up. I told her that I was refusing to pay because I closed out my account and she said she would get it figured out. Ive asked in the meantime, if they would report to credit because we are going for a construction loan and she promised me they would only report to XXXX at the most. I never heard back from anyone until I just received a collections notice from a law office. I am very frustrated because I did all I could to have my account closed and there was no reason that should have been opened up again. Never mind being reported to be collections agency after she told me that it would not be sent to my credit report. 


I have read article - Consumer Financial Protection Circular XXXX  Reopening deposit accounts that consumers previously closed -And believe this is exactly what happened to me. Please help if possible. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NV
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 ace act number XXXX XXXXXXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: U.S. BANCORP
State: NC
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 checked my credit report I noticed an unauthorized inquiry on my credit profile and I believe that is information is inaccurate

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 2023-04-20
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date XX/XX/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 2018-10-10
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
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:
Like many others my husband and I were given the run around by carrington  during the pandemic. We got behind on our mortgage and did the forebearance. I was told that at the end of the forebearance we would just have our past due balance put on the back side of the loan with no late payment upfront, no extra fees, no late fees, no lawyer fees, no negatives on our credit reports, and no need for refinance. They told us they were here to help us get through it. 
We were almost a year out before we were able to make payments again. Then we go to make a payment to find that they wont allow us to pick up where we left off. We were locked out of our online account, unable to get information, received foreclosure notices. The. We finally got them to talk to us and they let us apply for a refinance. They allowed it to go through, but now we owe more than we did originally. Weve had the loan for over 12 years now started off around XXXX and now we owe over XXXX. Then they tacked on over XXXX in fees we arent able to pay after saying they wouldnt add fees. Sure they lowered our interest rate by around XXXX XXXX but we still owe more than our original buying price. Our loan has been sold multiple times before landing with carrington, which means our information has been sold as well and now we are going to have to pay everything weve already paid off again all because we were lied to. My husbands credit was drug through the mud because of this even though they said it wouldnt be affected at all. Ive called multiple times and been told by a few that it would drop off after 2 months of consistent payments. Well weve paid for 6 months straight now and its still showing bad marks against his credit. We tried to refinance our truck loan to lower our payment and cant even do that because our bank wont help us until we are showing 1 year good with payments with them or until they drop the negative marks on his credit. We are still recovering from the damage the pandemic did on our finances. Carrington is doing something illegal to everyone who needed help during this pandemic and giving false information and put us and many other in a bad spot because of it. They either need to dissolve our loan and take ownership of the property without any legal recourse or more credit recourse or they need to honor what we were told when we took the forebearance plan. We are struggling even more because of this company and they refuse to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Financial is now lowering my XXXX XXXX XXXX limit as I pay down this account, thus making my credit score drop because instead of showing I'm paying down my balance, they reduce limit so card always looks maxed out!! If they are doing this to me, must be to many and absolutely WRONG

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 2020-09-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Year after year, I request my annual credit report from Equifax. Year after year Equifax refuses to send my annual credit report as mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: WI
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} CITI XXXX XXXX Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief