BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? 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 2017-10-17
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: UT
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:
On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XX/XX/XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XX/XX/XXXX payment was due, on XX/XX/XXXX. When XX/XX/XXXX rolled around we noticed that our XX/XX/XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XX/XX/XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XX/XX/XXXX to make our XX/XX/XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that Franklin is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing
30 and 60 days past due, for XX/XX/XXXX and XX/XX/XXXX. We in good faith, did exactly what we had been advised by the rep in XX/XX/XXXX and made no payments until XX/XX/XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been clo
sed with no outcome or response from Franklin American. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.

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 2017-08-18
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.

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 2022-07-07
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-02-16
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
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:
amerisave mortgage company checked my credit without my consent or permission I was told it was a soft pull but it shows 4 times as a hard inquiry No one will help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have returned their calls several times and asked them not to call me, It is not my debt, They would not give me an answer of who they are looking for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I bought a bed through XXXX XXXX  with Synchrony Bank credit card. Because the bed was {$7000.00}, and the credit card had a XXXX limit my credit card score decreased. Through the past year I have made all my payments on time and the balance has gone done. As the balance has gone done my credit score has slowly raised as congruent with the Debt to Credit Limit factor. In XX/XX/XXXX, Synchrony Bank decided to decrease my credit limit on the cards which has a direct effect of my Debt to Credit Limit for my credit score. This will directly effect my score and lower it even though I have made payments on time and am not behind. This is unfair and hurts consumers. Synchrony will not do anything about it even though they say they are in compliance with the law. This part of the law is hurting people.

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 2022-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So I bought this car in XXXX. I traded in my cruze for it. I didn't know what the interest rates were this was my first time buying a car with a lease. My interest is 22.99 % if my calculations are right I pay {$340.00} a month and only {$100.00} goes towards the actual cars price the rest goes to interest. Right now XXXX months later this car doesn't work. XXXX of last year I tried to see if they could refinance my payments. They said they don't do that. The woman was very rude didn't care to help. All she kept saying was find another finance company that will take your loan. By the tone I new XXXX would. And I've called dozens XXXX will. Because of the high miles. I bought this car at XXXX XXXX will take this loan apparently when it's more then XXXX miles or more. I have put thousands into this car. XXXX days after I bought the car I got pulled over because I had no headlights. I had to replace the covers also because they were so fogged up I couldn't see driving at night. I had to fix the control arm I've had to fix the CV axle. Now my ignition doesn't work. XXXX can figure out why. My loan in XXXX months has only gone from XXXX to XXXX. I make XXXX payments a week. I just can't keep up with the high interest rate. I looked at how much a XXXX XXXX XXXX is going for its only going for less then {$8000.00}. Now I'm at a point where I can't keep paying for a car I can't even use. And it doesn't seem I will be able to get out of this loan anytime soon to either fix the car or get a new one.

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 2017-08-18
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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I went to log on to my Coinbase account and upon doing so, the screen started blinking and went " white '' ... .over the course of time, I found out that there were unauthorized transactions of converting my XXXX XXXX XXXX to XXXX, then moving the XXXX XXXX out of my account, leaving my account balance at XXXX from {$55000.00}. I held XXXX, XXXX, XXXX, XXXX and XXXX. All were converted to XXXX, then sent to external address XXXX. All of these transacttions took place in less than two minutes. Coinbase showed no evidence of knowing their customer, halting these transactions or even questioning them. I have never sold my holdings in the life of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX on XX/XX/18 I received a call, was trying to discuss my debt and the tech did not have my information available. He then placed me on hold, approx 10 mins. Never took me off hold and never called me back. on XX/XX/18 I received a call but since I am working I am unable to pick up. They proceeded to contact my sister who has no relation with this debt, nor is on any student loan. She told them she would relay the message. Then at XXXX they contacted my place of work!!! I told XXXX she was not allowed to do this and she said she was and she could. I contacted the number back on my phone and said to take off my work number. How and why is she calling people who are not involved in this debt?! Is this legal! I feel like my rights are being abused by this company by looking up phones numbers to anyone and everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: MS
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:
I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Systems XXXX XXXX 

This collection agency took the debt over of my military start card. On XX/XX/XXXX, XXXX rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for XXXX XXXX which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from Military star card, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the military star account and started noticing discrepancies b/w the military star monthly statement and the XXXX monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the XXXX payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the military star card had different amount owned than the statement from XXXX. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX military star card statement reports the debt as {$3400.00} and XXXX statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have working DILIGENTLY on my credit and Transunion seems to be working against me at every corner. I paid of one credit cards, the account is still active and in good standing, which lowered my utilization but I loss 28 points! I am so confused as to why, I should have gained MORE points not loss them.

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 2017-08-18
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent letters two letters which were both returned saying inaccurate address. Upon checking my credit report there was an XXXX TN address listed. Even the post office worker found it to be quite odd. Zip code does n't match to the rest of the address. One letter was mailed in XX/XX/XXXX and the second in XX/XX/XXXX.  Both were sent within 30 days of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my XXXX time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). XXXX XXXX... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH A XXXX AND NOT IN MY PERSONAL NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX  MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED.

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 2022-07-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My auto loan was refinanced in 2021 - the initial loan was through Wells Fargo from dealership. I attempted to refinance through XXXX XXXX XXXX XXXX and Wells Fargo claimed to have lost the payoff checks XXXX separate times. This resulted in me having XXXX outstanding loans with XXXX XXXX for XXXX vehicle. I did not realize this issue with Wells Fargo and the result was late payments reported to credit bureau and late fees although I was making on time payments with XXXX XXXX. 

A year later XXXX XXXX alerted me that Wells Fargo also never released the lien on my loan despite cashing the payoff check a year earlier. Had I not been alerted by XXXX of this my interest rates may have increased as a result of this.

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