BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Spring Oaks Capital, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spring Oaks Capital has bought my debt from XXXX XXXX  and reporting it as a new debt. This debt is over three years old and has been reported as charged off then. They are reporting it was opened In XXXX of this year. This is false. They are trying to collect {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: ENOVA INTERNATIONAL, 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:
I need to report NC FINANCIAL for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/2021 to XX/XX/2021 but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My account was transferred from XXXX to SLS Loan Servicing in XXXX XXXX. I was unable to make my XXXX payment with XXXX and called SLS. They took a payment over the phone XXXX as my account was not set up yet. That payment was never applied to my account. I have called numerous times going over the information and was told, yes we see the error and it has been escalated. The month after that my statement still showed a past due amount, called and they said yes your account is flagged to review because of the transfer. They said do n't worry, no late fees or past due will be reported to the agencies. I work at a mortgage bank myself so I know the process all too well. We are in XXXX and the issue is still not resolved and I ca n't get a manager on the phone. 

Below are my transactions XXXX payment made via phone XXXX for {$600.00} ( confirmation XXXX ) XXXX payment made XXXX for {$600.00} as my account was finally set up XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$620.00} XXXX payment being made today for {$620.00} I am unable to make payments online as it is asking for past due amount ( which I do not owe ). I need to make the payment via bill pay through my bank which is why XXXX payment did not process until XXXX and my payment today will not process until the first few days in 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 2022-02-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: TX
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 opened an XXXX  XXXX XXXX XXXX through Barclays in XX/XX/XXXX ( approved on XX/XX/XXXX ). I made some intitial purchases and logged into the online account management system. A week or 2 later, I attempted to set up and schedule my first payment. It asked numerous questions, I assume to confirm my identity, but I was unable to recall all the cars I've owned in the last XXXX yrs apparently, and it locked me out of my online account. I called the number it showed and was placed on hold for over 30 min. I called a different day/time, same thing. I did this multiple times, waiting over 3 hrs cumulatively on hold. I finally called different numbers and pressed 0 a lot, and was able to reach someone, they said they were unable to help me. I said I simply wanted to make my payment, they stated they could not process that, and I'd have to wait on hold for the online security department. They placed me on hold for over 30 min. Since then, I have tried calling multiple times, all to no avail. They can't have someone call me back. There is no way to email. So, I've sent a letter, by regular USPS to their complaint department. 
I don't know what else to do. I typically pay my balances in full each month and just want to pay my bill. It is now past due, and I'm sure they are charging fees and interest. 
I was able to reach someone today and she said the same thing. They can't help me or process my payment, she said she couldn't even closed my account when I asked for that today! She placed me on hold again for the security department - I waited over 30 min again. I'm a XXXX  and have kids, I don't have time for this. I just want to pay my bill and get into the account moving forward or close it and no one there will help 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 monetary relief
Consumer complaint received 2019-06-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2022-11-22
Company: EQUIFAX, INC.
State: AL
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:
transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave XXXX written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX, XXXX and XXXX of 2017. I was never late.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has VIOLATED my Federally Protected Consumer Rights under the FCRA, by repeatedly reporting an inaccurate account on my consumer report. XXXX 's correspondence is sayin, the creditor has verified the information and the information was updated without sending me verifiable proof of names and addresses of whom they spoke to that's knowledgable of such information.

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 2020-09-15
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 we received a letter from our escrow company stating we had a shortage. Our payment would go up {$100.00} per month. We had just closed on a refinance. I called my mortgage company representative. He was not sure and questioned if we received notice of tax increases. On XX/XX/XXXX I had a hearing to lower property tax and it was. I looked into any increases and there where none. We call mortgage escrow and they stated to my wife that our taxes increased which we know not to be true. Our mortgage representative looked into also and stated to me escrow was expecting tax increases do the county tax cycle. With no cause or number they increase our escrow input to cover a shortage that does not exist yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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:
I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is showing on my credit report

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 2022-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
XX/XX/XXXX, I filed CFPB XXXX against Carrington MS . They agreed that they made a clerical error by stating on my credit reports, from the credit bureaus, that my account # XXXX was in a XXXX bankruptcy. They said that they would correct this with the credit bureaus. I recently applied for a home loan with XXXX XXXX, the report that they sent me shows that Carrington hasn't removed this information. I called Carrington XX/XX/XXXX and spoke with a rep that stated that the information about the bankruptcy was verified and correct. I explained to him that it was wrong and should be corrected. He refused to remove it or investigate further. This would place Carrington MS in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. Transunion and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, Transunion and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

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 2022-02-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-07-11
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2 years ago, we had water damage. The insurance dropped us and we had about a month to fix the house so we can get a new policy before the insurance expired. The old insurance paid for the claim BUT my bank didnt want to release any funds to me so I can fix the house. I used my own money and loan some money so I can fix the damage in my house. The mortgage company didnt want to release funds so I can finish the work and get new insurance. The new insurance wanted to see that the damage was fixed before they can insured me, which took 4 more days from the day of the cancelation. I was stuck with having no money to fix and the time I needed to get insurance. I spoke to XXXX at the bank many times, he told me to XXXX XXXX and it is his rules and if I want to get funds, I needed to finish the houseI had no money! I explain to him that without releasing funds I can not finish the work.well he said it my problem. NOW, 2 years down the road the bank is trying to bully me to pay insurance worth {$8900.00} that I dont need or want. After back and forth they now reduce it to the 4-5 days that I didnt have insurance due to them holding my insurance money. They did that on purpose as XXXX said he will teach me a lesson. Because of them not releasing MY FOUNDS it took me 4 more days to finish the work so the new insurance see that its all fix and I can get a new insurance. This mortgage MB Financial is something else, the worse mortgage company I ever had. Unfortunately there is no one to talk to about this and I understand they have the right to go into my impounded account and take the claimed insurance. I dont authorize them to do this! I want to take them to court if they will charge me. This is crazy!! They want to charge me for 4 days of insurance from 2 years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have presented evidence to transunion that they are illegally reporting false information on my credit report and in every communication I've hade with them I have verified my identity with my State Drivers License and a Bill from my personal residence and instead of responding to my inquiry they accused me of working with a third party company. 

This is insulting and offensive because what makes Transunion think that I am not educated enough to handle my own credit and financial matters! 

They didn't even have the decency to advise me on how to move forward to get the proper response. They simply stated that they would not respond to my dispute because they suspect that I am working with a company which I am NOT! 

They also ignored me every time I requested their methods of verification or submitted additional detail on a complaint. 

They are literally refusing to grant me my basic rights as a consumer! 

If Transunion can not verify the item I have disputed then it is reporting unlawfully

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