BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have tried to resolve this matter with Chrysler Capital directly on multiple occasions and have gotten a run around. Account # XXXX I called to extend my lease and put the account on autopay, I noticed no payment was withdrawn so I made the payments. I then see a late has come on XX/XX/2022. Yet I also received two refunds from Chrysler Capital so I am unsure how this was ever late or what issue is. I also requested payment history and retail installment sales contract which they just sent a letter back informing me that they can't help me either they don't have enough information to help me or they addressed this issue which they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2017-03-29
Company: AVANTE
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: SYNCHRONY FINANCIAL
State: FL
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:
There are several companies reporting as inquiries that I did not apply for.

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 2022-09-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently Mr. Cooper claims that I am missing a payment and continues to bill me for said payment. I have been charged at least ( 5 ) late fees of {$40.00} as well. 

My XXXX XXXX XXXX XXXX bill pay and checking account records clearly show that I have made every payment on time since I obtained the mortgage, as well as my {$490.00} additional payment for escrow shortage. 

This is the second similar issue ( the first was partially resolved ) of the same type. I have made all of my mortgage payments, and Mr. Cooper continues to misplace the money and negatively affect my account and credit score as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Shellpoint Partners, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Had a mortgage with XXXX/XXXX since XXXX. Sold home in late XX/XX/XXXX. 
XXXX is now Shellpoint Servicing. Shellpoint is reporting on my husband 's and my credit reports that we are 120 late and transferred to another lender. 
After the sale of the house! 
We were under contract purchasing a property when this showed up on our reports in early XXXX. We have lost our lender and our opportunity to purchase the property. 
Our credit is ruined until this is resolved. 
I have called and e-mailed Shellpoint daily. 
E-mails include all documentation of sale of house. 
I can not reach a person with any authority to rectify this. 
There is only one number to call XXXX. 
I will be reaching out to the Attorney General and a lawyer on Monday. 
I appreciate any help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask for verification of debt. All I received was a statement from XXXX of 2022. Which I have never seen before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This account is to old to be on my credit report. This was from 2015. XXXX has been kind enough to remove the account but its still shows on my other two reports as well as them reporting missed payments.

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 2017-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off the loan and the bank continued to take the money out of my account there fore making me overdraft my account and then they charge me an overdraft fee. This has benn happening for  over one year an d I am owe more money for over draft fee than they are will to provide.

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 2020-04-01
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: American First Finance, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 2020-04-01
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan service company changed XXXX XXXX XXXX. After the new company ( Shellpoint ) did an escrow analyst it is showing a shortage of almost {$9000.00}. Come to find out they never got proof of me paying hazardous insurance since XXXX. Ive always had lender placed hazardous insurance because it is cheaper for some reason but the company is telling me that it is my responsibility to find all the policies for the last 13 years. I want to know if this is legal and if they can back charge me for this. It even shows in their system two insurance claims Ive made, XXXX & XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Credit Karma, LLC
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:
They keep sending me pre approved credit lines that I get denied for upon applying. Also the credit score shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Inquiry on credit report, company should have placed soft hit not hard, I did not recieve credit from this company

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 2016-03-14
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SUBJECT : Carrington Mortgage I called Carrington Mortgage Services when I received my XX/XX/XXXX bill ( attachment # 1 ) because the bill does not show a late payment date or a late fee amount. I was told that because I file for bankruptcy in XXXX that there is not a late payment date or fee as long as I make the payment before the end of the month. 
On XX/XX/XXXX I received a late notice ( attachment # 2 ). Carrington did not clear the check until XX/XX/XXXX. I also received my XXXX bill with a late charge on, posted on the back, ( attachment # 3 ). I called Carrington on XX/XX/XXXX and I talk to XXXX ( # XXXX ) she said that because the amount and date was not on the bill the late fee would be waived. She also said that even though the amount and date is not on the bill, the bill is due by the XXXX of the month. When I received the XXXX bill again no date or fees for late charge is on the bill. I paid the bill and the check cleared by bank on XX/XX/XXXX. 
On XX/XX/XXXX, I received another late notice ( attachment # 4 ). It was dated XX/XX/XXXX. I called Carrington again and talk to XXXX ( # XXXX ). I told him that the payment cleared before the XXXX. He said the bill is due on the XXXX of the month. I asked how I can receive a late notice dated before the XXXX. He said the real nasty what else can I do for you. 
Since XXXX I have not paid any late payments on any of my debts. This feels like harassments because they send me bills without information regarding a date or amount of past due bills and they send me late notices. I shouldnt have to call Carrington monthly. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Deceptive advertising by Citi Card : I applied, and was approved for, a new Citi/AAdvantage Platinum Select credit card. Before I even received any documentation or my credit card, I received another offer for a Citi/AAdvantage Platinum Select credit card, which offered even better benefits ( an additional XXXX air miles which translate roughly to $ XXXX value ). When I called to ask to receive the better benefits, I was told that even though I can have multiple Citi card acounts, the offer was only good for " new customers ''. HOWEVER, the terms and conditions of the new offer letter clearly state : " This offer is only valid for new accounts '' and " If you are an existing Citi AAdvantage cardmember, you are not eligible for this offer on your existing account ''. But it does not say anything about being a new or recent customer. Citi card also refused to honor their offer even if I decided to close the just opened account ( for which I had not even received my documentation ). Failing to honor the offer as published constitutes deceptive advertising and unethical business practice symptomatic of Citi Cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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 with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's  may sta y on the Credit Report for 7 years from the date of the  1st deli nquency with the original creditor (  XXXX   XXXX  ) which  is  XXXX  2009 ( see t he attached statement ). Cavalry  Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of  Negotiable Instruments, Cav  alry Portfolio Services has no standin g.

Company response to consumer: Closed with non-monetary relief