BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am seeking help with an issue I am having with Carrington Mortgage. My loan was purchased by Carrington in XXXX and a few months later we ran into financial hardships. We asked Carrington for assistance and were placed on a hardship plan to help us keep the home. Our understanding was our missed payments were going to be added onto the end of the loan.

I have called a multiple times to inquire as to why the payment was going down so slowly and why I was still paying PMI after 10 years. This has caused a financial hardship as my credit rating can not be improved because it looks as if I have been paying a mortgage for XXXX  years and have only paid off 6 % of the loan. When I called to discuss this with Carrington they stated that we in effect repurchased the home in XXXX and my new loan discharge date was XXXX. I informed them that they had charged us more for the home than we originally purchased it for and our equity in the home had been taken. They stated that I did not purchase the home until XXXX or XXXX. I explained that I had purchased the home in XXXX and we have been living here since then. This has caused my wife and I to have a low credit score as it shows my home was purchased in XXXX for XXXX and I currently owe XXXX. I have called in the past to ask why I am still paying PMI. Recently I asked for the originating papers to be sent to me which showed the home for XXXX. I called back and was told I took out another mortgage in XXXX on the home for XXXX. I asked for the papers to be sent to me from XXXX and the papers with my signatures are not the papers with the amount stating I owe the new amount. I was told My PMI was falling off in XX/XX/XXXX which would be 5 years from XXXX. Also at no point has Carringtom reported the credit bureaus any other amount besides the XXXX, I feel I should be much further ahead in my payments and the principle should be drastically lower. I went to refinance and was informed Carrington is not licensed in Massachusetts anymore. I then went to another mortgage company who directed me to the attorney general 's office and stated I should continue to resolve this issue with Carrington because it could cost me a lot of money since we have already paid so much toward the home, I am going to attach paperwork I have in regards to this issue. I was directed by the Attorney Generals office to reach out to the consumer financial protection bureau first. Any assistance would be greatly appreciated.

We requested paperwork from Carrington and the paperwork with our signature did not mention a new amount and pay off date. One of the paper stated we had a new amount and pay off date but this paper does not have a signature and neither my wife or myself had seen this paper before. We would have let the house go before we lost all our equity and paid more than the original loan. Requesting hardship assistance should not cause a greater hardship and add 7 years to a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX. 

When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check. 

I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.

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 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. 
I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
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 a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EQUIFAX lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


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 non-monetary relief
Consumer complaint received 2016-03-04
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks 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 non-monetary relief
Consumer complaint received 2015-07-15
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my 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 2017-03-22
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against JEFFERSON CAPITAL SYSTEM for committing identity theft. I have never given JEFFERSON CAPITAL SYSTEM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JEFFERSON CAPITAL SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and JEFFERSON CAPITAL SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and JEFFERSON CAPITAL SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My Mother in Law passed away in XXXX. I am trying to close the estate. I called Hyundai and asked them if they can send me a copy of the lean release. They confirmed that the car a XXXX  XXXX was paid off, and told me they were sending a copy of the lean release to my mother in-laws house. I have called several times starting in XXXX and they just keep telling me that its in the mail. This is unacceptable.

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 2022-05-03
Company: EQUIFAX, INC.
State: OH
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:
HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the  payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not received my alerts for my credit card statements. XXXX XXXX does not offer alerts notifying you that a payment is due. They have no built in alert system. Then they charge {$39.00} for a late fee and don't offer no more then 1 refund per 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : 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 2017-05-29
Company: Synovus Bank
State: GA
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:
Dear  Sirs :  On  XXXX  A check was sent to you  (   XXXX .  XXXX   XXXX   XXXX , GA  XXXX  ) in the amount of {$20.00}. Check sent back the next day  XXXX   XXXX  and credited back to my  XXXX  Bank account.  XXXX   XXXX  check sent to you in the amount {$96.00}. Check sent back  XXXX   XXXX ,  XXXX . I 've sent a list of checks that have been sent to you with no problem  XXXX / XXXX / XXXX   XXXX . Please remove late charges  last two  months and re instate my credit card.

Company response to consumer: Closed with monetary relief