BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. 

I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. 

I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. 

The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Equifax breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX  sent the police report with all ftc violation j

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.

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 2020-11-22
Company: EQUIFAX, 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:
Hello Equifax. I am a Identity theft victim. I have attached my Federal Trade Commission Report along with the letter with all the fraudulent accounts on it with my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Total Card, Inc.
State: OH
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 have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am working with XXXX XXXX XXXX  on refinancing my current home. Our current servicer, The Money Source ( TMS ) has been giving me so much grief about obtaining the correct payoff quote. We requested the payoff letter ( attached ) on XXXX and to this day have not received a payoff letter with the correct numbers. We were hoping to close last week but because they have given me the runaround, all my other creditor payoff quotes have become or soon will expire. I have been assessed late fees from my credit card companies, and surely will be reported as having late payments to the major credit reporting bureaus. Not only this- the reason TMS is refusing to update the payoff letter is because they are claiming I owe them roughly $ XXXX for a partial claim that HUD has ( and has paid off ) on my home. In XXXX I applied for a forbearance on my mortgage loan because I lost my job due to the COVID pandemic. In XXXX, I started working again and began making payments. The amount that I did not pay during the forbearance period went into a partial claim with HUD or XXXX. I signed the documents and have notarized copies ( attached ) of the promissory note and deed with states this. However, TMS will states that I owe them for the partial claim. The title company that I'm working with received a payoff letter from HUD/XXXX which states I owe them for the partial claim. I just want to refinance and finally be done with TMS - they are the worst company in the history of companies. They never call me back when I ask. And I've asked them since XX/XX/XXXX to take care of this partial claim issue. They've told me that it was taken care of and I believed them, only to be fooled. I was in the phone yesterday for 2 hours trying to resolve this issue. A supervisor did not want to come to the phone. First they said all supervisors were helping other customers and towards the end of my call, I asked for a supervisor again and the rep told me all supervisors were in a meeting but she promised to request a call back from a supervisor. This is what they say each and every time I call but I NEVER receive a call back. I have to be the one to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Around XX/XX/2020 I contacted my employer to see if the stoppage of my student loan wage garnishment would be reflected on my XX/XX/XXXX paycheck. Employer stated they had not received any notification from the loan holder that the wage garnishment was supposed to be stopped. My employer suggested I contact the loan servicer to see if I can get something emailed to me and if so to email it to the employer. I contacted Coast Professional Inc and asked about a letter that will stop the wage garnishment on my pay due to the CARES act signed on XX/XX/2020. My loan servicer stated that the US Department of Education is the one who is supposed to send out a letter to my employer. So far I have continued to receive these wage garnishments even after US Department of Education put a 60 day hold on the wage garnishments and 0 interest and after the CARES act went into affect. I have not been able to find out how to get a copy of this letter and expedite the process to my employer. I also want to know what the process is for receiving a refund of those wages that have now been unlawfully garnished.

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 2020-11-07
Company: Atlanticus Services Corporation
State: MI
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:
Fortiva Alert : Your Fortiva Credit Card payment of XXXX is due on XX/XX/20. Click the link to make a payment on your account now : https : XXXX I received a text from this phone number XXXX. When I called this number it asks for my social security number. I did not respond. I also tried calling XXXX but that wasn't a legitimate number just another possible scam. 

I received this text on XXXX at XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: LTD Financial Services, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is LTD Collection Agency and I have NEVER bought ANYTHING from them therefore I can not owe them ANYTHING. They are calling trying to collect money from people who don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I disputed outdated negative account information with Equifax, that is over 7yrs old, back on XXXX. They reported that this account was verified, and an updated reporting date was placed on my credit file for XXXX from the original reporting date of XXXX. I believe that someone in Equifax organization disregarded the Fair Credit Reporting Act, section XXXX, in order to prolong the removal of this outdated negative account by updated the reporting date of the account to XXXX. This account from XXXX XXXX XXXX XXXX should be removed and never updated. The account has been closed since XX/XX/2008 and the status on the credit report states, it's closed/paid/and zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting incorrectly a charge-off in the amount of {$1700.00} on the XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account is reporting an incorrect balance and I have not been provided with an itemized statement on this account even though I have requested one. 
This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Date : XX/XX/2020 I followed up with KeyBank today to find out where my new bank card would come in as my bank card expires at the end of this month. I use my card today to purchase gas. My card was declined. I did called keybank back at XXXX today. The 1st representative that I spoke to shut my card off without my permission. I did not give any consent in any shape or form. The supervisor was listening to the prior phone call. They did state I never gave any permission for this individual to turn off my card. I will not have access to any of my money for 5 business days until my new card arrives. I work at a XXXX  during the week the same hours and longer than what the bank is open. I know will experience financial hardship as I have bills due this week. I am on able to purchase groceries for this upcoming week for my children and myself. I will Have late fees if I am not able to pay my bills on time. They have really put me in a financial hardship that will affect my family and our means of living. The bank said they are enable to do anything that they can not turn back on my card that I have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I received a letter from XXXX XXXX XXXX. This letter stated I had a debt owed to City of XXXX, and that this bureau will now be attempting to collect this debt. The debt owed was for traffic citations issued by city of XXXX in XXXX XXXX. 

I 'm not a resident of XXXX nor have I visited XXXX. I check the city 's website to obtain further info on citations. The person listed on these tickets had same name as I do, so I thought this could just be some mix up. 

I tried contacting XXXX XXXX XXXX to resolve this situation. Unfortunately every time I called the numbers provided on letter I received, there was no answer. An automated voice would play and said to " Leave a message ''. I was very skeptical of this since every time I called these numbers, there was no answer, and there was n't any info given before leaving the message. I just want to make sure I 'm calling the right company, and that this is n't some kind of a scam. I did call during business hours that were listed on letter, but it went to voicemail every time. 

The letter stated if I do n't take any action, that I could be arrested. This letter I received has made me quite upset. I understand someone owes this debt, but its quite frustrating when I received this letter in error, and I ca n't even contact this company to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit 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 2022-03-09
Company: SYNCHRONY FINANCIAL
State: SC
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:
these inquiries were not authorized by me personally

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 2017-11-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow payment went up and i did not know it, so on the 4th month Carrington Mortage decided to suspend my payment for the month of XXXX. When i received the letter at the end of XXXX stating that my mortgage payment was not received, i immediately checked with my bank to find that the check had been cashed and was in a 'suspense ' account at Carrington XXXX Due to their system i could not just pay that shortage amount i paid the past due escrow amounts plus my XXXX mortgage payment. 

Today i get a letter in the mail stating that i owe another XXXX. When i call customer service they told me it was a fee assessed on the same day that i made the payment. 
It was a collection type of fee, that i was not told about when i made the payment on line. 

In order for me to get this fee removed i must write to their other department. i can not speak to anyone about this. 
They have assessed a late fee which i have already paid when i paid on XXXX. 

In general, they are extremely difficult to communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 I filed a Chapter XXXX Bankruptcy. My mortgage holder, XXXX XXXX XXXX held two mortgages for me. The mortgage company has since reported the loan as closed effective XXXX/XXXX/XXXX of which it was not closed. I have continued to make payments on those loans, and lived in the home until XXXX/XXXX/XXXX when I sold the home. The home closed and I officially moved out XXXX/XXXX/XXXX. 

The issue is the mortgage company will not update the records to reflect the payments made since XXXX nor the closing and sale of the house in XXXX. I have disputed the information numerous times with Transunion and continue to get updates that are inaccurate. I have called numerous times also with no resolve only excuses. 

I simply want the record to show that the home was actually sold and paid in full in XXXX not XXXX. Both XXXX and XXXX are showing the home as paid in full. 

Transunion will not allow me to upload information. They continue to require me to mail information which they 1. either never receive, or 2 never bother to process. I have been arguing with them for 2 years now over the errors on my account without resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2017-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am to pay on the XXXX of every month to Credit Acceptance, there is no grace period so on the XXXX and up until I pay my payment they call me at least 7 times a day starting from XXXX Est. time till sometimes XXXX. When I fell 2 months behind maybe close to 3 which I do n't know they do n't send no kind of statements or no paperwork of any kind out about the loan the came and repossessed my vehicle. I made arrangements to pay on it to get it out and an amount of {$510.00} on the XXXX of the next month well I tried to explain to them before I okay that arrangement I only get paid twice a month so my first check go to my rent and utilities I can pay on the XXXX but they would n't go for it, so before the XXXX came I called and said I will be late and told them I will have it paid on the XXXX they were like ok thanks for calling us this is breaking your agreement but we will note it. The XXXX come and they started calling my phone again up to 7 times or more a day. I think that is outrageous and I have asked them to please stop calling so much where I work I ca n't answer my phone to leave a message and they wo n't I gave them my Fianc number but they wo n't call her either. Can you help me with this harassment?

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