BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My prospective employer uses a XXXX  named Sterling to run background checks on new hire candidates. I signed electronically on XX/XX/22 giving permission for them to proceed with background check. On XX/XX/22 I received an email from Sterling that it was complete. Between XX/XX/22 and XX/XX/22 I've sent at least 9 emails requesting a copy of my full report and I still haven't received it. The representatives act like I'm requesting something that's impossible to get. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Halsted Financial Services, LLC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Problem description : When I logged on to Halsted Financial 's website today ( XX/XX/XXXX ) to follow up on an alleged {$140.00} medical debt from XX/XX/XXXX that I disputed, I was greeted with a screen that had holiday like photos and the slogan " Tis the season for savings '' - and on another screen I was told my account has been approved for 55 % off! And if I made a One time payment of {$64.00} I would receive a savings of {$78.00}. While I disputed the debt and the company had failed to provide the verification the debt was real, my time is more valuable than fighting them -- and I'm in the middle of a refinance of my home so I did not want to risk a dispute over a small amount that could jeapardize tens of thousands of dollars of savings over the life of my home loan. I elected to make the full " one time payment '' of {$64.00} to get their offered savings. But instead of receiving the promised " savings '' of {$78.00}, the company ( in response to an email requesting receipt showing XXXX balance ) emailed me a new bill saying i had indeed authorized a {$64.00} payment - but also listing that the " amount remaining '' on what they now called a " compromise offer '' was {$64.00}. They baited me with " savings '' to get a little money ( i problably should not have paid to begin with as they failed to verify the debt ) and then bait and switched me -- and demanded more money. This is false and deceptive advertising to promise {$78.00} in savings and then to not honor that. I documented the promised " savings '' in photos before i paid because I did not trust them ( and can provide ). I have the written bill they sent in an email, in response to my request for a XXXX  balance / debt release to substantiate everything I'm writing here. I'm sorry to say they have proven truly deceptive and i'm very worried they'll do something to harm my credit wrongfully. I also informed them prior in writing neither their firm Halsted Financial nor their client XXXX XXXX XXXX ( that they said in writing they were acting on behalf of ) had provided properly and as requested : 1 ) A detailed breakdown of what the charges are actually for 2 ) The original creditor account number ( only offering four numbers ). 3 ) The address of the original creditor. Having offered 55 % " savings '' and not honored the savings- I feel it is fraud. They also failed to provide notices to me the fair debt collection practices act appears to require, and have failed to so far provide the address of the original creditor or a statement from that original creditor describing what the bill is actually for. I therefore assume the debt is not valid at all and they are just doing all they can to use the threat of a collection agency to wrangle as much money as they can from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working with Fedloan.org to certify my employment ( which has been the same since 2006, with the State of Michigan ). Now that I am getting closer to meeting the requirement to have my student loans forgiven, all of a sudden they can not accept my employment certification. This is causing more that a year of months not to count toward the XXXX. Their reason for not accepting the employment certification is that they saying it is not a valid signature from HR present. That that signature is 'typed ' and not a 'wet signature '. When I contacted HR for the State of Michigan, the indicate that what they have provided to me meets the 'wet ' signature requirements posted on the website at fedloan.org. In addition, they informed me that they complete hundreds of these form all of the time for employees and have never been told that they will not accept them. So I am not sure why mine is different. HR has completed two forms and fedloan.org will not accept them, which leads me to believe they are just looking for any reason to prevent me for qualifying for the XXXX. This is not fair. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i went through XXXX XXXX and got offers with different loan amounts & arp %. I spoke to XXXX XXXX XXXX XXXX. He said I was approved for a {$7600.00} personal loan with a 30.00 %. 
I told him about the loan offer I chose. 
" The loan offer I excepted online was {$2000.00} at a rate of 21.66 % '' He refused to give me the Original loan but offered {$2000.00} at 30.00 % and I refused it and they hit my credit score so NOW I can NOT get a loan anywhere!!!!! I wanted loan to LOWER my interest rate no raise it!!!!!!!!!! 
THIS IS WRONG!! 
Will there be anyway to repair the damage they did to my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX ran my credit WITHOUT authorization from myself.

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 2022-03-23
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My principal balance was {$35000.00} on my statement for XX/XX/XXXX. When the loan was transferred to PHH the balance became {$50000.00}. My loan was modified back in XXXX with principal forgiveness of {$8700.00}. The unpaid balance was {$41000.00}. My mortgage payment is drafted each month on time. I have been current on my mortgage to this present day. I questioned the increase in my balance and was given a letter stating I had outstanding principal. They also mentioned I was assigned to HUD under their " Assignment Program '' and payments submitted were less than the contractual amount. I requested my payment history and that isn't true. Payments I made would have been sent to suspense if they were less than the contractual amount. I have not signed or requested any additional assistance from my mortgage company since XXXX. I have not received a legitimate reason for this increase. I don't want to be responsible for any servicing mistakes that may have been made 10 years ago. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TriVerity, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a debt collection letter from TriVerity , Inc. saying I owe {$14000.00}. as of XXXX XXXX. The loan was taken out with XXXX XXXX XXXX XXXX online XX/XX/21. Their office is in XXXX XXXX, Ga. The statement they sent me showed money being withdrawn as of XX/XX/21. Most of the transactions were NSF fees. I have been speaking with a Dispute Advisor for the collection agency. He told me to file a Police report first. I tried doing that, but I keep getting the " run a around. '' The address that the Credit Union has on file is not my address, neither is the phone number the impersonator has been calling from. They even have voice recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NJ
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Equifax on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. Capital One Auto Finance charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with Capital One and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This payday situation I started has gone out of control as I started with XXXX loan and it perpetuated with XXXX payday loans taking well over 90 % of my take home pay and therefore could not pay my mortgages for over 4 months. All of the payday loans charged me usurious in that they fall quite a bit outside of the the interest rates allowed by law and some even topok money on days I did not get paid and caused so much turbulence to my bank account forcing it to be overdrawn on many occasions collecting insufficient fees along the way to contacting a Payday Loan Consolidation Company. However, this is n't enough to get me back my money. The rates were even up to 1800 % and beyond on one of them.

Company response to consumer: Closed
Consumer complaint received 2022-10-11
Company: Thaxton Investment Corporation
State: TX
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:
I was behind on my loan with Covington Credit. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called Covington again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with XXXX for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: UMPQUA HOLDINGS CORPORATION
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I first stated my account with Sterling savings I was asked if I wanted to have my debit purchases continue even when my account was over drawn. I stated I did not want to be able to continue using my card if there was no money in my account raking up huge overdraft fees. Sterling savings became Umpqua bank. I have a business account and I raked up huge overdraft fees because I was not aware my account was empty. I contacted Umpqua and stated that I had agreed to have my debit card rejected if I had no money in my account. Umpqua stated it did not have that policy but I was never contacted that it was discontinued. I also never received advise from my bank stating actions I could take to better monitor my account until after Umpqua had taken XXXX dollars from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Several things happened first thing is after approving the modification Wells Fargo failed to cancel the sheriff sale of my home and my house was sold in the sheriff 's auction and then an eviction notice was served to me all because they failed to cancel the sale then my original loan balance was XXXX now it is over a XXXX and XXXX with all their fees that they have added to my loan and all the additional costs they added to my loan for a day Sheriff sale or foreclosure which should have been cancelled so why should I pay for those fees then they have now refused XXXX payment of over {$1800.00} I sent XXXX they were turned took 45 days to get it back then I attempted XXXX weeks ago to pay {$2500.00} and then refuse that payment I have been asking for months actually probably over a year to have my escrow analysis analyzed do to it increasing {$10000.00} and it has entries that have no description that only say escrow adjustment I have not been given an explanation or been contacted after leaving countless messages emails speaking to other Representatives who said they would get a message to them and they would have them contact me they have no problem adding things to my account but they can not explain to me what they are why I 'm responsible for him and then they want to refuse my payment or payments and even returned money I sent bill pay..the sheriff sale they failed to cancel by error its still haunting me after over a year of calls emails letters to Wells Fargo it has yet to XXXX fixed..the assessors show Wells Fargo as the home owner witch has caused me problems getting homeowners ins.and the title reads I sold it to Wells Fargo and it continues to stay on a forclosure lisfings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank

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 2021-01-06
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX Citi Bank CBNA has left unautorized hard inquiry on my credit file at XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX so i didn't autorize to pull my XXXX Credit Bureau

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