BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX
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:
I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000

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 2021-05-03
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I searched for mortgage refinance online and came across Amerisave Mortgage, and was connected to Loan Originator XXXX XXXX. XXXX did my credit check and started the loan process, which would refinance my current mortgage at 2.5 % fixed APR for 30 years. I committed to Amerisave and gave them {$500.00} deposit, which was non refundable if I chose not to proceed with Amerisave. All this happened in XXXX, 2021. I sent them my pay-stubs, bank statements, tax filings and W-2s and house appraisal to proceed with the loan, I was prompt in responding to them them and getting them the info. Late XXXX, early XXXX I stated to contact XXXX I felt things were moving bit slow, after couple of attempts I get a phone cal, no response to e-mail telling me the loan was not locked, I can no longer get the 2.5 % rate. I lost out in a drastic way as there were other lenders offering me similar rate in XXXX. Then I was told to get 2.5 % it will cost me {$13000.00}. The initial cost that was mentioned to me in XX/XX/2021 was around {$800.00}. 

XXXX 's info : XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: MO
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 check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK 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 2017-09-16
Company: CITIBANK, N.A.
State: MO
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 check my credit report and saw my citi credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY CITI PRESTIGE AND CITI SIMPLICITY Account Name CITI Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XX/XX/XXXX Balance {$6000.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK 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 2018-04-23
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, opened checking account that was to include checks and debit card. I have twice called the customer service to inform that I have not revived the debit card and even visited a local branch to advise of same. I am unable to set up and access my online banking without the debit card as this is one of the requirements that needs to be entered when setting up the online banking. The local branch claims that since the account was opened online, that they are unable to provide me with a debit card and/or PIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My car was repossessed on XXXX of 2019 and I never received the Rights to Cure before repo nor The Notice of Sale post repo. This is a violation of he FCRA. I contacted Santander several times and they informed me that it was sent to the wrong address. I asked what address was on file and they gave me the correct one. I also asked them why they sent such important documents to incorrect address if the correct address was on file, and the rep stated she didn't know. The credit bureaus keep verifying the debt and updating Santander on my report. It is not the debt that i'm disputing, it is their business practice which violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.

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 2018-04-23
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: Old information reappears or never goes away

Complaint:
XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.

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 2019-02-28
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer since XX/XX/XXXX. 
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month. 
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX  month. 
I paid the total amount due at that time, and the amount due was not the adjusted amount. 
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference. 
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account. 
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month! 
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX. 
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX  children, how can a mortgage amount changed so drastically? 
Then the internal confusions of working with the company which results in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: TN
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 been having trouble with Wells Fargo Mortgage for 7 years I've been trying to get Wells Fargo to remove a negative remark on my credit report that states my home at XXXX XXXX XXXX XXXX XXXX NY was in a bankruptcy in XX/XX/XXXX. it was not I had been making payments every month right up until I sold the home on XX/XX/XXXX.I have called Wells Fargo at least 10 times about this problem to no avail. I have also sent certified letters to all three credit bureau 's with supporting documents to prove that payments were made and that the home was sold in XX/XX/XXXX and paid in full. Still no one is correcting my credit report now I want Wells Fargo Mortgage removed from my credit report completely or at least updated and the statement that house was in bankruptcy removed and it should show house was paid in full. It is my experience that Wells Fargo Mortgage is dishonest and a crooked lender they are allowed to get away with murder and no one stops them. I have sent all 3 bureau 's undisputed proof that the house was paid for and I made my payments on time for the last two years.I need the XXXX XXXX to intervien and get my credit report with all three credit bureau 's corrected. please help me. on XX/XX/XXXX I sent letters to all three bureau 's requesting a correction but they did nothing on XX/XX/XXXX I also sent out letters certified mail. demanding that they correct my credit report but I assure you nothing will be done. I have copy 's of all corespondence including certified letters supporting documentation to prove my house was not in a bankruptcy.and am ready to inclose with this complaint.

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 2020-11-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, Equifax and XX/XX/XXXXarent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a credit reporting account with a company called XXXX that is now called Experian and some how I am not able to cancel the account with them anymore. The only way to cancel is through a call in number that no one attends even after stay on call for more than 15/20 mins. This is a scam and does not seem like the agency has any intent of canceling the accounts once enrolled.And they charge my bank account every month without any issues.

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 2020-11-02
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote to Caine & Weiner on XX/XX/XXXX of 2020, notifying them that I am disputing the debt they are trying to collect. I requested in writing that they verify the debt as required by the Fair Debt Collection Practices Act, and that they do not contact me about this debt aside from verifying the debt. The company has not verified the debt, and has not desisted contacting me and other members of my organization about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
State: CA
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 am a XXXX XXXX  and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a CBNA bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!

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 2023-01-02
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shell point mortgage has sent me a new set of loan papers for a loan modification that was completed in XX/XX/2022. They have also sent me a notice that I am in default on my loan. I have made all payments on time. I have left messages and sent emails since XX/XX/2022 when I received a set of loan modification papers by XXXX. I just simply want to know what is going on and how can they fix this. We. Are in our XXXX and this has been very upsetting that they will not call or email us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried for months to get a lower monthly payment through sallie mae. Ive been on hold for 30 minutes, hung up on, and told i wasnt approved for any type of help. I currently pay {$1000.00} a month. I make roughly {$2600.00} a month and can not afford that rate. They refuse to help in any way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I lost my job, transportation went out on me and had a hardship that I couldn't recover. 

This debt and negative reporting every month from XXXX - XXXX has negatively affected my employment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

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