BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Bliksum, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX I got a {$1900.00} loan. When I submitted my application it asked for my pay dates which are the XXXX and the last day of every month. Upon review of my loan these were reviewed and agreed-upon. When I received my first statement in the mail my due date was different than my paydays. When I first inquired back in XXXX, there was no explanation. I made a {$600.00} payment. My next due date was in XXXX in which I made a {$500.00} payment. upon that payment I inquired about the payment due dates once again and thats when I was told that their company does not allow for payment due dates to fall in the last day of the month. So I was switched to monthly payments. Then on XX/XX/XXXX I made a payment in the amount of {$330.00}. All but {$24.00} went toward interest. Yet the previous two payments in the amount of {$500.00} and {$600.00} went directly to principal. 
When I made my XXXX payment in the amount of XXXX I asked that it go to principal and they assured me at one. This payment was processed on XX/XX/XXXX however on XX/XX/XXXX they increased my principal balance by {$460.00} and then applied my {$500.00} payment. It took three different phone calls and three different representatives to tell me that I had accrued {$460.00} of interest. Yet when I looked at my account history I had never incurred that much interest in between payments. again no one could really explain this and I was told I would be contacted by a supervisor and that never happened. I even filed a complaint with the XXXX XXXX XXXX and they never responded to their attempts to resolve the situations. 

I called again on XX/XX/XXXX, To inquire about paying off my loan and that I would like to make a payment for the principal amount and I was told that they do not allow that that some had to go towards interest. Again thats not what happened to my first two payments as they werent entirely to principal. I was put on hold while she investigated and of course nobody came back to the line so I hung up and went on their website and decided to pay off the loan in full so that I no longer had to deal with this company. 

I borrowed {$1900.00} in XX/XX/2020 and paid a total of {$2900.00} by XX/XX/2020. In four months I paid an extra XXXX dollars. I was never made aware of the interest rate every time I logged into my account the interest rate state XXXX XXXX I inquired about the interest-rate via email and of course the representative never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2020-11-03
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate reporting. I have had no business with ACCT CORP OF SOUTHERN NEVADA there is two different amounts being reported on my XXXX  account {$290.00} and XXXX  {$300.00}. Last reporting XX/XX/2020.

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 2018-03-02
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: DISCOVER BANK
State: MD
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: Problem with personal statement of dispute

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX. 



Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment I had last month XX/XX/2020 for {$520.00} did not post to my loan account. It came out of my XXXX account XX/XX/2020. Confirmation Number : XXXX. I contacted the mortgage service today XX/XX/2020 and told my payment was applied to principal. They said they would submit a request, but I wouldnt get confirmation when it was complete. They said the payment I made today XX/XX/2020 for {$520.00} would go to principal and Id have to contact them once it posted wrong. I submitted my payments online as normal NOT principal payments. When I call their XXXX # I can not get a human and shuffled in the automated system.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already filed a complaint about this on XX/XX/20. Here is the complaint ID : XXXX. The complaint was closed, however, this company still HAS NOT updated my credit report. 

This account is STILL showing up on my Transunion credit report. It is keeping my score down. The other two bureaus are NOT showing this. Apparently, they got the memo that I had a bankruptcy. 

I have called this company ( as well as Transunion ) and told their customer service that I filed a CFPB complaint, that XXXX 's responded to and told me that they would remove this from my report and to please give them at least 45 days to remove it. They gave me the run around. I was transferred from representative to representative and then asked to call their legal department, I did that too. The legal department told me they do not deal with the credit side and all they could do is forward my request back to their client. 

When I called Transunion, initially, they asked me to allow them 45 days to update my report. I waited PAST 45 days and called them back as well. When I called back, they told me to contact XXXX 's? Huh??? 

I should not be getting this run around. I just need this removed.

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 2019-07-08
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$400.00} and the payoff 1month later is {$690.00}. The interest rate is super high. Didn't explain it properly. Then I learn that they are a third party lender. Help. Highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cancelled a phone service I had gotten for the business ( I paid cash for the cell phones ) the services were never used and the account was cancelled within 15 days and never used. I called to verify with XXXX and they said it was all true and not to worry as the accounts were cancelled and never used. Then I got a bill from convergent and called them they were not reachable, the bill states to pay {$190.00} and the whole thing is over instead of an amount am not sure how they came up with {$240.00}. I didnt have much time to deal with this so I sent a check, now I look at my credit report there is both a collection and a settlement for a service I never received.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-11-24
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:
XXXX has reported a wrong hard inquiry dated XX/XX/2018. On my complaint to XXXX  through CFPB, XXXX has issued letters many times that it has reported to all credit agencies such as Equifax to remove/mask the hard inquiries. These letters are attached here. 
Despite of that Equifax states that it ran investigation with XXXX and XXXX has stated that the hard inquiry is correct. 
Both Equifax and XXXX are liars, either XXXX reports correct data only to CFPB and misguide Equifax by reporting the hard inquiry as a correct record, or Equifax is liar which states that it confirmed with XXXX  that the record is correct. 

Either of XXXX or Equifax is a liar. However, I will be forced to sue both of them to get the hard inquiry removed. 

Attached are frivolous documents of Equifax and the correct documents of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My capital one venture card that Ive had and used since 2015 was closed suddenly, the reason I was given was due to a one time returned payment that occurred almost 5 years back, ( and made a payment next day that cleared ) Im not sure why they just decided to close my account, but I had accumulated around XXXX points that I would like to have back. 

Please see if I can get back my account, or at the very least the points that I honestly earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020 Comenity Bank website suffered either a hack or misconfiguration that allowed me to see at least XXXX other client accounts. The information that I was allowed to see was user name, phone number, full name of client, and account charges/payments activities. 

Maybe I would have seen more had I looked, but I was assured I would see nothing but what would be publicly accessible. I was also assured the site was not hacked. 

As a note, I recorded my screen for 2 of 3 clients while the site was " misconfigured. '' On XX/XX/2020 I made a complaint against Comenity Bank with the XXXX XXXX XXXX 

On XX/XX/2020 I received a secure message from Comenity Bank, which explained little or nothing. It did not say whether my account had been compromised, whether they were notifying all clients, nor what they would do to prevent further occurrences. 

On XX/XX/2020 the XXXX  said the case was closed, whether I accepted the resolution or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation