BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

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 2021-06-05
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Received a loan from company in 2014 for about {$11000.00} on a used vehicle. Paid quite a few payments and the balance barely budge still at about a little over {$9000.00}. Company will not budge on fair resolution of the situation. This loan has been a nightmare and Im just may have to file for bankruptcy. Santander is a preditory lender who uses illegal practices and that my loan is now in litigation for the State of South Carolina this account should be permanently deleted from reporting as negativity. Please remove per. Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: CAC Financial Corp
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I honestly have no idea what this collection is or about. I believe it's from when I was involved in a serious car accident was flown out by a helicopter to a hospital .... but im only guessing that's what this is pertaining to. I am now more knowledgeable about my financial life and I came across my credit ... I now see this collection is affecting my credit tremendously ... at the time of the collection opened in XX/XX/2015 I had not even the slightest clue what credit was. That was more than 4 years ago this is how long this collection was affecting me I had no Idea til now. The collection balance is {$730.00} an amount I truly cant afford. In the case of the company trying to contact me I didn't even know what a collector was if somebody called my phone and I didn't know the # that's an easy no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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 filed a dispute with XXXX  against a collection agency by the name of Genesis Credit Management, LLC., that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XX/XX/XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. XXXX updated me and told me the account is going to stay on my file because Genesis Credit quickly responded, lied and told them the account is valid. XXXX hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called Genesis Credit today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX  credit report today, and they've also added Genesis Credit to that report as well. Unlike XXXX showing it as an owing debt, it's listed on my XXXX  report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied to renew my income based repayment on my student loans on XX/XX/XXXX. I received a confirmation letter from Navient that my application had been accepted on XX/XX/XXXX. I received another letter from Navient onXX/XX/XXXX that my Income Driven Repayment Plan had been approved. It also reported that I should expect to receive the details of my new repayment plan after my current plan expired on XX/XX/XXXX. It instructed me to submit a new IBR application, even though Navient had already sent confirmation of receiving my application and sent confirmation that my income driven repayment plan had been approved.

As of XX/XX/XXXX, I have not received the details of my new approved Income Driven Repayment Plan. What I did receive today were 3 separate emails stating that my payments would be increasing to the amount I would have been paying had I not renewed my repayment plan. I would like to know the details of my approved income driven repayment plan and for my monthly obligation to reflect that repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXXand updating this information onXX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from Portfolio at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report Portfolio indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and Portfolio is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This will be the third complaint through CFPB in regards to this issue. In my last two complaints ( the last being # XXXX ), I was expecting to hear a response relevant to my complaint, and I am still waiting for this. 

As my last two submissions, I attached the chat dialogue wherein I was assured by the online customer service representative that Citibank has been paid in full. If you would review the chat ( I will attach again ), you will see I was clearly informed this was so. I have received the letter Citibank speaks of where they informed me of the situation regarding the payment I attempted to make. This is not my issue. I do n't know how I can be any clearer. And I would like a response in that regard and not Citibank avoiding that issue a third time. 

To clarify, my issue is I was informed and assured the balance ( {$990.00} ) was paid off in full, and more specifically that Citibank has been paid, they received the amount and that no amount is owed. I am going by that information. And this account needs to be marked as I was informed, as paid, and to be closed as I do not wish to do business any longer with a bank that lies to its account-holders. I will not let this issue go until Citibank follows through on the information they gave to 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 non-monetary relief
Consumer complaint received 2021-09-15
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: Information belongs to someone else

Complaint:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Universal Fidelity LP
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a continous subscription with XXXX XXXX  for XXXX ornaments. I cancelled the subscription. I received a phone call from a debt collection agency requesting payment. I asked said debt agency to provide verification of the debt and they said it was sent. Mail has been lost all the time since covid. The subscription for the ornament was withdrawn through direct withdrawl. The collection universal fidelity LP. The women was very rude and kept saying to pay your bill. I told her I wanted proof of the debt to make sure I wasn't double paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: SC
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:
There are items on my credit report that were supposed to be deleted in my bankruptcy and Experian wont delete them or let me submit a dispute

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 2020-05-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX  XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed.

2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees. 
5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full. 

I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Caliber Home Loans, Inc.
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I left the Active XXXX in XXXX and took a lower paying job. My property tax and other fees increased and by XXXX I was struggling to keep up with my mortgage payment. I've been working tirelessly with Caliber Home Loans, company who holds my mortgage, and they are forcing me into foreclosure even when I've finally received a pay raise and enough money to keep my property. They refuse to allow me to submit a loan modification with my new finances which would allow me to stay in my home and avoid foreclosure or bankruptcy. Caliber Home Loans is putting a veteran out on the streets for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For nearly a year, I have been trying to use TransUnion 's website to freeze or unfreeze my credit file and submit disputes to them. I have not been able to login and do either of these tasks due to some sort of block on my credit file. I have had to freeze or unfreeze my credit file through a lengthy process over the phone that takes an hour or more each time I call. To initially place the security freeze, I had to send in the request through the mail. This is unacceptable because that process can take up to 30 days. If someone is in the process of stealing my identity, which has happened to me many times, I do not have 30 days to wait to place a security freeze. Due to this inconvenience, I have had to completely remove the security freeze from my file in order to avoid these unnecessary delays when I need to use my credit. 

I have tried calling their customer service for their website, and each time, they have been unable to assist me in removing this block from my online account. I am uncertain if the representatives are unable to ascertain the issue I am having or if they are merely not trained to fix this issue. Unfortunately, they have been unable to assist me, irrespective of the reason. I need to be able to access, maintain, freeze, unfreeze, and dispute with TransUnion just like everyone else. 

I have attached a screen shot of the message I receive every time I try to login to TransUnion 's website.

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 2018-03-21
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.SO from XXXX XXXX to XXXX, to XXXX  to some collection company

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: John C. Heath, Attorney at Law, PLLC
State: AK
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:
XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Evergreen Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a copy of my credit report in XXXX, in XXXX I started calling to clear some debt. When I called Enhanced Recovery XXXX on XX/XX/XXXX, the guy told me the debt was no longer with them and I needed to contact XXXX. I looked at my credit report in mid XXXX to confirm the changes but there was no change, that same debt and company is still listed. I filled out a despute the end of XXXX and I received back that the debt is correct and I still owe the amount to them. I called this am to the collector and the female rep confirmed they dont have my account so I cant pay them anything, I need to get in contact with XXXX, they said the account has been removed from them since XX/XX/2018. I just need clarity on why this debt is showing under them but when I reach out to them they say they dont have it.

Company response to consumer: Untimely response