BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Cerulean card by XXXX XXXX for two months now. The first month I tried to make a payment ( the card had an automatic {$99.00} balance ) I was not allowed to make a payment online. I called in and made a payment by phone and was told they would wave the {$10.00} charge for making payment by phone. so next payment is due XX/XX/2020 Again tried to make a payment and was given the same error message as the first time. ( Error 3811 Credit Account not Authorized to use this application for ACH. This account is marked as unauthorized. Please contact customer support XXXX. ) I call customer support and try to make a payment via the phone system. I enter my banking info and then I'm transferred to customer Service. I'm told that they would wave the {$10.00} fee this one time and then I thought the payment was made ... received an confirmation email and everything. The funds are still not out of my bank account and I got an email from the credit card company say that my payment was declined. There is no activity at all in my bank statement and the bank said that they did not receive a request for payment. I just want to be able to pay my bill, should not be this hard.

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 2019-05-22
Company: EQUIFAX, INC.
State: OR
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:
After submitting requests for a free credit report to the three relevant agencies, credit report services one and two, promptly answered back with current reports. However, equifax, refused to send siting more information needed even though the same information was provided for them as for the first two. After several attempts to provide what they needed, they continued to ask for more information - which we are loath to supply given they have had security breaches in the past and shouldn't require more or different information than the first two agencies.

Attached are partial summary sheets provided by the first two agencies to prove they should be able to provide the information that is rightly mine : the third and final credit report. Thank you for your prompt attention to this so that we may move forward in life. 
With Gratitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NC
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 purchased this loan product in XX/XX/2019 from XXXX XXXX XXXX for {$12000.00}. I made my payments on time until I consolidated my loans. A payoff check was sent to them from my bank and process on XX/XX/2019. Their company sent me an email stated that my obligation to them was paid in full on XX/XX/2019. I still have that email in my possession and can provide it if needed. I requested a statement from them when they attempt to say that I still owe them money. That statement shows that they processed the check. They are still trying to get more money from me and it keeps increasing. It is also on my credit report. I saw online that they do this to customers that pay off their loans earlier. I do not know what to do and have attempted to resolve this with them. This has really destroyed my credit score. Please help! They should be shut down for these practices. I do not want anyone else to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry 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 explanation
Consumer complaint received 2019-05-23
Company: CARD Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was going to load money on my card when I noticed that the money o had in there was gone. 
On XX/XX/XXXX I had my fiancee to deposit XXXX on my card that was my rent money plus emergency back up money on XX/XX/2019 there was XXXX sent somewhere by XXXX XXXX, I immediately contact them as they sent me a new card and started the dispute but not onced but twice my dispute was denied the women who called me the second time to inform me that the decision stands was very rude. 
During the time period of XX/XX/XXXX to XX/XX/XXXX I was in the hospital with XXXX and plus possible XXXX XXXX XXXX but I am a victim of identity theft all of my stuff has been compromised I had tried explaining that but they didnt care just like they didnt care that me and XXXX kids got thrown out of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union XXXX XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2020-01-29
Company: Shellpoint Partners, LLC
State: MN
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:
After a 30 day late payment last XXXX, Shellpoint Loan Servicing continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Bread Financial Holdings, 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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are 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 2020-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 information incorrect

Complaint:
I recently won a court order to have this account with USAA fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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 information incorrect

Complaint:
On XX/XX/XXXX, I received my annual credit report ( via mail ) from Experian ( report # XXXX ). The report contained an account from XXXX XXXX which was reported on my credit report in XX/XX/XXXX, for the first time ( since XXXX ). I noticed that inaccurate and/or incomplete information had been reported. On XX/XX/XXXX, I disputed the inaccurate/incomplete information on this report. The information I disputed was ; ( 1 ) Inaccurate charge off date, causing the account to appear as being re-aged. The account was charged off, closed and sent to a collection agency in XXXX. The account was paid in XX/XX/XXXX and there can not be a charge off date after an account has been paid, ( 2 ) Inaccurate high balance amount ( discrepancy in amount reported, on billing statement and amount paid to settle account and ( 3 ) There was hardly any history reported on this account that was opened in XXXX. The results from Experian 's investigation ( report # XXXX ) were sent on XX/XX/XXXX ( online ). Experian states that the information in the account was updated but the only change I saw was, " Type '' of account. It was previously reported as a " charge card ''. Now it is being reported as " unsecured. '' The reason for this complaint is that the inaccuracies still exist even after their investigation. I have attached documentation that support my claim that the inaccurate/incomplete information I disputed is truthful and in fact still being reported on my credit report. The inaccurate/incomplete information that is still being reported is ; ( 1 ) The account was a charge card account so it should not have been changed to " unsecured, '' ( 2 ) In " Account History, '' there still is an inaccurate charge off date ( XX/XX/XXXX ). The account was paid off before this date ( see payment to XXXX XXXX ). Also, account was closed, charged off and sent to a collection agency in XXXX ( see collection agency ), ( 3 ) The report still contains an inaccurate high balance amount of " {$220.00}. '' This conflicts with the amount shown on billing statement of {$300.00} ( see billing statement ) and the amount of {$380.00} that was said I owed on collection agency letter ( see collection agency ). ( 4 ) The account was not reported on credit report ( since XXXX ) until after I paid it in XX/XX/XXXX. This account was first reported in XX/XX/XXXX with hardly any information in regards to its history and containing the inaccuracies as mentioned.

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 2020-02-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receiving letters from XXXX XXXX claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX  balance. I havent had an account with them in decades.

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 2019-02-06
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. 

The last complaint ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX   XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX   XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX   XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX SSN XXXX, DOB XXXX/XXXX/XXXX. There are about 40-50 inquiries on my credit report if not more that I DID NOT authorized, i contacted the creditors and they told me to deal with Experian which to this day all they say is inquiries are valid without even investigation, I noticed all of these inquiries appearing after the data breach, and I need to have all inquiries removed right away. I did n't authorized the inquiries and they were not made by me, I am only supposed to have like 2-3 inquiries. I 'm not sure if Experian has have any hacks or anything but they are not mine, I do not want to hear a resolution saying that the inquiries are going to stay and that they are valid, ACTUALLY INVESTIGATE AND REMOVE ALL INQUIRIES.

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 2023-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TRANSFER TRANSFER TRANSFER The company that deserves to be shut down : Carrington Mortgage Services LLS XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX I first obtained a loan through XXXX. After only XXXX  months, my loan has been transferred to a new servicer the XXXX  time. And, this time, it has been a disaster. 

Once transferred to Carrington Mortgage, I immediately started calling and trying to settle their request for flood insurance. Because we own a condo, it is purchased and covered in our HOA payment. 

I wish I had tracked the number of times I called or emailed Carrington to explain this, but I did not. Nonetheless, each time I called, I was told it was resolved. 

Then, I would get another letter saying they had no record of flood insurance and that Carrington Mortgage would buy flood insurance on our behalf... what! Is this legal? 

As I explained many times through phone calls and emails and their online document upload process, our flood insurance is through our condo HOA! We do not buy it separately. Yet, they have chosen to charge us for another policy! Yikes! How does this happen after repeated attempts to fix it? Today, I also received a large check from Carrington that appears to be our escrow refunded, and they did not pay our real estate tax. 

It does not matter who I call there, I can not get anything resolved. Please help. 

Here is the information that might be needed to get this worthless company to fix our account : HOA company that can provide flood insurance policy information : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.

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