BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage -I have tried to see why they are not updating my payments through the website. I paid XXXX and it still showing that it has not been paid as of XX/XX/XXXX. I can see on the website the payment distribution but not from the current due amount. I got a phone call on XX/XX/XXXX in response to an email that broke down all of my payments in this email I asked for an email for my records but they keep calling. I believe that they are being deceptive by now showing my account accurately and by now reporting it accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: LA
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 have XXXX federal loans, XXXX XXXX XXXX loans and XXXX Navient loans. My payment with Navient, alone, is {$480.00}. I have contacted them on numerous occasions in an effort to have this payment lowered. I have other student loans I am making payments on besides this. My father is the co-signer. After numerous conversations and providing them with the requested financial information, I was told the payment could not be reduced because my father had excellent credit. Navient told me that my father is responsible for the note as much as I am. I do not agree with this. That is not the role of the co-signer. The co-signer pays the note if I am unable to. But if they would reduce the payment to a reasonable amount, I could pay the note myself. Right now, my father is helping me pay the note so that our credit will not be affected. However, he is the only bread winner in his family, he has XXXX children of his own and is supporting his XXXX step-children with no child support from their father. So he is really not in a position to make payments. And why is this decision based on his credit score. That does not mean he is able to make payments. The Navient people are rude and extremely difficult to deal with. I had no problem getting the federal loans reduced but not so much with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: TCF NATIONAL BANK
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my recently deceased father was gifted an individual IRA Retirement Certificate of {$2000.00} from XXXX Wisconsin. This bank was purchased XX/XX/XXXX by TCF Bank. For the last two weeks, I have been speaking with TCF Bank whom can not locate the account ; even though I have provided all the requested account numbers, social security information, and even pictures of the IRA Certificate ( attached ). TCF can not locate the account/nor can not tell me what happen to the funds. They have also not offered to honor the Certificate with interest. Myself and XXXX siblings are the beneficiaries of this IRA, which we can produce. TCF Bank has failed to provide any information about what happened with this account, as it was not cashed. They can not just keep our money, which was saved in an IRA for over 30 years, so to accumulate interest. I have contacted the FDIC and also the Unclaimed Property Division ; whom confirm that TCF did take over XX/XX/XXXX ; and unclaimed property indicates they do not have these funds - and usually do not get IRA 's. I have also reached all to the Controller of the Currency on this matter. TCF is acting in bad faith for no honoring the IRA that can be produced by my family, giving the excuse they lost or can not locate the account. The failure of them to locate the certificate/account is not my family 's fault. This has caused undue duress on our family, whom has already lost a father and utilized too much of our time trying to claim funds that TCF Bank continues to provide us.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Account status incorrect

Complaint:
I made and electronic request on Transunion 's site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 1. XXXX Bank Account : 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 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 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 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY

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 2017-11-29
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: Account information incorrect

Complaint:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover Credit Card account ending on XXXX was cancelled in XX/XX/XXXX. However, I never received any notice that it was going to be cancelled. Otherwise, I would have opted to remain open. 

According to The Credit Card Act of 2009 lenders are required to provide customers with 45 days notice of major changes to their account. Given the effect on one 's credit history, especially in this case with an account that was over 10 years old and the financial importance of a good credit XXXX in our society this should indeed be considered a major change to the account. 

This has drastically and negatively impacted my creditscore for two different reasons. ( 1 ) Length of my credit account. The Discover card was first opened in XXXX, and it was one of my oldest accounts. ( 2 ) Reduction in my credit utilization ratio. 

It is very unfortunate that the way I foundout about the cancelation was by checking my credit score. I had no communication warning about the account closure. 

Today, XX/XX/XXXX, I attempted to call Discover to get the account reinstatedbut I was unable to do it. I spoke withcustomer service and supervisors who refused to find a solution to this case. 

My last transaction had been in XXXX, but I would periodically login to the portal and transact on the Discover Savings account which I nowunderstand that it is a different product.

I would love to ask for your help in reconsidering this case as it directly affects my financial situation and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I contacted Experian online but could only obtain my consumer credit score. There was no way to order a printed credit report from them without paying for it, either on-line or by talking to a service representative. I am trying to obtain my FREE yearly credit report, the whole thing, not just the score.

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 2021-08-31
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 initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED I HAVE A CHAPTER XXXX FILING WHICH IS NOT FACTUAL AND ANOTHER ACCOUNT THAT DOESN'T BELONG TO 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 2021-08-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/2021. 

I received a notice from National Credit Systems dated XX/XX/2021 stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information which means they have failed to validate a debt. None of the documents they sent have my signature. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. That means that National Credit Systems , Inc is
also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had over-paid through a debt consolidation loan a credit card ( Comenity Bank ). I called to close the account and request a refund of the credit on account ( XX/XX/XXXX ). I provided my personal checking account numbers so a direct deposit could be done. I expected to wait 5 - 7 business days for this to happen. When the money had not been placed in my account, I called again and was told that they do not do direct deposits and that a check would be issued for the amount over-paid. I waited again and nothing. I called once again and was told that there was a mistake at the company and that the check was written for more than was owed. I assumed that they would have just processed a new check and get it out to me. I again called and was assured that the money would be in my account on XX/XX/2021. On XX/XX/XXXX the money was not there. I called again and was told that the " supervisor '' would issue a 2nd Request ... I was literally in tears at the end of this phone call. I called on XX/XX/2021 and was told that a check was issued and I should see it in about 10 days. I thought that maybe just reactivating the card would allow me to use the funds. Not possible. Very disappointed in not being able to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Coastal Financial Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Received XXXX call so far before XXXX. XXXX of them were before XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Klarna AB
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became victim of identity theft. 
I started receiving statements from Klarna showing I established Credit Line on XX/XX/XXXX. I thought it was a mistake however I continued receiving statements showing additional penalties and interest. I contacted Klarna customer service XXXX XXXX in XX/XX/XXXX to let them know I never established this credit line. The representative was not even able to find my account but assured me there is no problem. However, I continued to receive statements with more penalty and interest charged by Klarna. I contacted them again and was not getting qualified help over the phone. I asked them to provide information in writing. 0n XX/XX/XXXX XXXX replied from XXXX. We went through a few back and forth emails, finally XXXX wrote " account will be closed and all details deleted ''. I asked confirmation statement showing I don't owe anything. Shortly after, I received another email from XXXX  ( Service Center Agent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX klarna.com ) stating Klarna needs to confirm a few details with me. I received another email from XXXX XXXX ( Service specialist, Klarna Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX ) stating he submitted my claim to account specialist. The next day XX/XX/XXXX, I received another email from Klarna do XXXX stating they will be working on my inquiry and to not contact them again. I have not heard from them since. Meantime, I received another statement with more interest and penalties posted on the account. I sent XXXX XXXX email asking for progress on my case and to let me know whom I can speak with. I have not heard back. Klarna is not making any progress in resolving the identity theft issue and is charging me more and more interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief