BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by my bank Freedom Mortgage to refinance my VA loan. As I going through the process they claim that a closing service XXXX XXXX XXXX which I have never done business with has a Lein/judgment on my home. I have tried for weeks to get it resolved but no response from the company. I have done a bit of research and this is the company that Freedom Mortgage use for closing services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the recent revelation of XXXX data loss of consumer data, I decided to freeze my credit report with all four agencies. On X/X/17 I went online with Experian and filled out the paper work and paid what I thought was a {$1.00} charge. ( XXXX dollar. ) I just discovered that I was enrolled in a {$21.00} a month plan that I did not want, did not consent to, do not want and I consider a fraudulent practice. 

It is very difficult to remove my membership on their website and there is no way to get my credit card number removed. I think I managed to remove my membership in this unwanted plan. I strongly object to what I consider completely fraudulent practices by this company, and want a refund of all but {$1.00}, which is what I agreed to pay. I also want my credit card number removed from their database.

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 2020-11-25
Company: CITIBANK, N.A.
State: GA
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 placed three orders with XXXX. None of the orders were received. I contacted XXXX to have refunds processed on XX/XX/2020. I reached out to Citibank to find out why they have not processed the refunds and put the money back into my account. I emailed and left voice messages for XXXX XXXX in the executive office to get back in touch with me two days ago. I have reached out through chat and phone since then to no avail.

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 2023-01-27
Company: Mr. Cooper Group 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureau. Despite sending them the last letter Therefore, XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
My credit score is being reported on XXXX and XXXX but not on Equifax. I verified with my bank that they are reporting the score but when I called Equifax they say that they can't locate my credit history. I have had credit checks failing because of this. Can you please help me fix this? 

I called Equifax & my bank ( XXXX ) a month ago. XXXX did not have my SSN on file, so they updated it. In the meantime I also got a XXXX card which again started reporting to the other two bureaus. I got in touch with Equifax today and they still don't have any information about me. How can I get my credit lines synced across the 3 bureaus? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 disputed with all three credit bureaus.Transunion, XXXX and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact 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 2023-05-08
Company: EQUIFAX, INC.
State: VA
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 am not liable for these debts and do not have a contract with them. They did not provide me with the original application/contract with my wet signature like I asked for or Lisence to collect debt in my jurisdiction. And it's been more than 30 days as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. This " XXXX XXXX XXXX XXXX XXXX '' Inquiry should be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: Garcadia Financial LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. 
XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. 
XXXX stated on the call at least once that we could do both the deferment and modification. 
I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. 

On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. 

On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2023-04-01
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS LLC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. 

ALSO STATED : JEFFERSON CAPITAL SYSTEMS XXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. 

THIS IS XXXX XXXX EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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:
Equifax does not provide the dispute outcome pdf on their site for all claims. It will randomly show an available pdf but the majority of disputes do not provide any information into the outcome. I even receive emails telling me to review the results online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXXXXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Navient is reporting that my account is 90 past due. This is not true because my account is in deferment. The account was never 90 days past due. The account shows I still owe money. I do not owe money at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I had a XXXXe charge of about {$500.00} put on my account with a no-interest payment plan on my CareCredit account. I regularly start and pay off XXXX payment plans and have been familiar with the company and its policies for years. 

I planned for my final payment for the plan to be on the last month of the payment plan ( XX/XX/XXXX ) with the exact remainder paid online through CareCredits website. 

After this payment, assuming the matter was closed, I noticed I still had an amount remaining on the account less than the payment but not {$0.00}. I called to ask what happened. They said that payments are split between multiple plans and an exact payment on an ending payment plan does not guarantee the payment plan will be applied to the expiring plan. 

I was told they would reallocate my payment into the system to pay off the expiring payment plan. 

Now, several months later, I am facing $ XXXX in monthly interest charges. Every agent I talk to now says I did not pay off the balance in a tone that implies I am lying, and they keep explaining the basic policy that if you dont pay off an expired plan, you face interest ( which I already know and explain to them multiple times I paid it off within the payment plan period. )

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 2023-01-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have already opened an inquiry with Comnety bank about fraudulent hard inquiries, however now there is a {$450.00} limit express credit card on my account that I do not have any knowledge of. I need that account closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I processed two payments through outside merchants. One in the amount of {$220.00} with XXXX XXXX and one in the amount of {$72.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {$300.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: M&T BANK CORPORATION
State: WI
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:
While applying for new credit, I was informed that M and T bank had reported me 60 days late for the month of XX/XX/XXXX. When I reached out to the M and T, an associate informed me that they did not report my account late but when I checked my credit report, it was shown as late for XX/XX/XXXXwhich is inaccurate. The associates informed me to dispute with the bureaus at which point they will respond. Knowing this can take up to 30 days and most cases require supporting documents, I escalated and requested something in writing. 

I was informed I would received a letter within three business days and when I called I was informed I was be receiving it shortly. This was not the case.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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.

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