BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage serviced reporting both incorrect and/or no payment information at all. XXXX was transferred to present servicer in XX/XX/XXXX and I started making payments to them that same month. The servicer only started reporting my account on XX/XX/XXXX, its being reported like its a new loan and not a transfer, it showing only XXXX payment made on XXXX and no payments made on XXXX, its showing the wrong payment amount, but shows my loan was opened on XX/XX/XXXX. I contacted XXXX XXXX XXXX directly to ask them to fix this and tried to file a complaint, but Ive been getting the run around for almost XXXX weeks. This issue has caused a more than XXXX point drop to my XXXX XXXX and is causing great financial harm to me and my family with each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received an email alert from my credit card company regarding a charge from Bloomingdale.com for the amount of XXXX. I immediately contacted my Citibank to inform them that the charge was not me and to place a block on my card. I also attempted to contact Bloomingdale customer service on the same day to inform them of the fraudulent purchase. But was unsuccessful reaching someone because the company had been closed due to the Covid-19 situation. I tried calling everyday until I finally got someone from customer service today. Which was very unhelpful. I had to call the company 3 times trying to resolve this matter. But all three times the representatives would ask me for an order number on a purchase I never made. I received nothing but the run around from Bloomingdales. So I decided contacted Citibank again to file a dispute. And according to Citibank customer service rep it would be faster to contact the merchant and file a dispute with them. Because it's going to take up to 8 to 10 weeks to resolve the dispute with Citibank. Right now I am frustrated and upset becauseI don't know what to do at this point.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately. 

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) 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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Despite several letters to Transunion regarding the following issue, they have failed to respond specifically to my complaint. 
They list an account, XXXX XXXX XXXX XXXX, with an " open-collection/charge-off '' status and show that the amount owed is XXXX % of credit utilized. This obviously and significantly impacts my credit rating. 
The problem is simple : if this account is in " collection and has been charged off '', there is NO AVAILABLE CREDIT and therefore a percentage of credit utilization is both misleading and inappropriate. I have addressed this to TransUnion several times with no success. XXXX, on the other hand, immediately corrected the problem. 

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 2020-03-28
Company: ONEMAIN FINANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill  collector located in XXXX - XXXX, XXXX and XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX, I financed a vehicle with Ally Financial and later refinanced the same vehicle with another lender.The lender contacted Ally and XXXX parties agreed to the terms of the refinance agreement. On or near XXXX XXXX, XXXX Ally Financial reported my car loan as 30 days delinquent. It should also be noted that I am included in the class action lawsuit brought by the XXXX regarding Ally 's illegal lending practices initiated against minority borrowers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing, who services my mortgage, sent me a letter dated as of XX/XX/2020 stating that my hazard insurance has expired, and threatening to " buy insurance '' which " may be significantly more expensive ''. 

Here are the facts : - The above statement is FALSE. I have paid insurance in effect through XX/XX/2020. 
- Shellpoint ALREADY ESCROWS for my insurance and HAS A COPY OF MY INSURANCE INFO through closing which recently occurred only 7 months earlier, YET THEY CLAIM MY INSURANCE EXPIRED? 
- Also, WHY WOULD THEY NEED TO BUY " SIGNIFICANTLY MORE EXPENSIVE '' INSURANCE when I have a regular insurance policy in effect to which I am escrowing and they should be making payment for?? 
- Lastly, as of today, XX/XX/2020, THERE IS NO RECORD on Shellpoint 's website THAT THEY ACTUALLY PAID MY INSURANCE PREMIUM. MY INSURANCE COMPANY DEDUCTED THE INSURANCE PREMIUM OF {$2300.00} FROM MY CHECKING ACCT BECAUSE THE INSURANCE STILL HASN'T BEEN PAID FROM ESCROW.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However XXXXXXXX XXXX reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.

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 2020-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has called on XX/XX/20 and XX/XX/20 looking for XXXX or XXXX XXXX, and I informed them that I have no idea who they are and that they no longer own this phone number, in which Ive had for almost a decade now. They informed me that they will note this in their system, yet I still get too many harassing calls from them for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Account information incorrect

Complaint:
THERE APPEARS TO BE ACCOUNTS THAT I HAVE NOT AUTHORIZED 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 2020-03-28
Company: Braviant Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have paid as agree even with the very high interest rate. I have spoken with customer service to correct this with no help. I sent an email with payment proofs on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my 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 2017-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX   XXXX  sold an accou nt to Portfolio Recovery   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  Portfolio   Recovery. I have made all  XXXX  credit bureaus (  XXXX ,  XXXX  and  XXXX  ) aware of this matter, yet they continue to report inaccurate information on my report. T his matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent in a previous dispute but got a response to send in more verification documents, so I'm submitting again and filing a complaint. I pulled a copy of my credit report and noticed several fraudulent accounts. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.

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 2022-04-12
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$130000.00} to Wise.com via Wire transfer on XX/XX/XXXX at XXXX XXXX time. The funds were delivered to Wise.com on XX/XX/XXXX at XXXX XXXX. This was meant to be an international transfer used for an emergency medical purposes. I chose Wise.com for their promise to deliver on XX/XX/XXXX itself. The funds were not delivered on XX/XX/XXXX, so I called on XX/XX/XXXX, and XXXX XXXX the agent I talked to ) told me there has been a hold up at the partner bank in XXXX and the funds should be delivered in a day or two. So I called again on XX/XX/XXXX, and talked to XXXX, who said the same. I called again on XX/XX/XXXX and talked to XXXX, this time he promised the fees of {$700.00} to be refunded due to the delay. But promised the funds will be delivered on Friday XX/XX/XXXX or Monday XX/XX/XXXX. Over the weekend, I got a call from XXXX also promising the same. I called again on Monday XX/XX/XXXX, spoke to XXXX, and heard that XXXX bank rejected payment. And again on XX/XX/XXXX I called and the lady promised no specific date when the funds will be delivered or refunded to me. 

After XX/XX/XXXX, even their tracker in app and website stopped showing updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
XXXX Money Lost for ever XX/XX/2016, an international wire transfer for {$6000.00} was sent to a citibank XXXX, with an outgoing confirmation number : XXXX, after more than 16 Business days and the money never arrived I called the bank on XX/XX/XXXX and I did a recall of the money, and I asked them to trace the money, it has been more than 2 Months now, and I called almost every single day including the branch manager called XXXX ' at this number XXXX, and all they said is that they do n't know where is my money and that posible the money is lost for ever. and I will never get it back.

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 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
transunion stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted Transunion and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible

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 2020-03-28
Company: I.C. System, 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:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my 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