BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: CITIBANK, N.A.
State: VA
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:
The account has been paid in full and the {$260.00} in late payment fees have been " charged off '' per the rep XXXX who we personally spoke with. 

The negative credit reporting is still showing on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: AL
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 XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank is complicit in opening fraudulent cards in my name, then when I called for their help, instead of closing the fraudulent accounts, they opened MORE accounts in my name. 

Please help. 

I was informed by the IRS, that I had debt cancellations for this bank, even though I dont have an account with them. The bank could not even find the account I was calling about. But they opened a different one in my name. 

I called on XX/XX/XXXX to report the fraud & get it reported, and on XX/XX/XXXX I got a new card from them, instead of them closing & investigating the fraud. 

They couldnt even tell me when the fraud accounts were opened. They had different addresses for the cards. 

Someone at the bank is in on this scam. 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 2016-06-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was told by XXXX that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.

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 2022-09-09
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement on XXXX from All Rewards which is being serviced by Comenity-All Rewards. On this statement there was a late charge of {$27.00}. I went online to my checking account and a check was sent to the company prior to the bill due date. I contacted Comenity and spoke to a customer service representative I disputed the late charge and stated I wanted to close my account. XXXX eventually waived the late fee and provided me with a reference # of XXXX. 

On XX/XX/22 I received my statement from XXXX XXXX serviced by Comenity XXXX XXXX XXXX and it now has an additional late fee of {$27.00} and {$1.00} interest charge in addition to the late fee from last month that wasn't waived. Total due now {$55.00}. 

I called Comenity and spoke to Customer Service Rep and then a supervisor. Initially told since account closed they could not waive the late fees. After much discussion, supervisor XXXX stated she would do a system override and clear the late fee. I asked for documentation that this had occurred, since I received the same assurance last month. She stated she couldn't provide me with documentation until after the statement period ends, which would be XX/XX/XXXX. At that time I could call in and get a XXXX XXXX letter. 
The issue is if this once again doesn't go through, like last month, I will have another late fee added and it will probably affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: OH
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:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.

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 2022-09-09
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: NC
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:
A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting your office to formally appeal the denial of the modification request for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA. <P/>I received a written denial from Shellpoint based on NPV calculations that stated that I did not qualify for help. However, there were multiple errors made by Shellpoint in the data that was used to evaluate my request. These requests relate to the income used, as well as the appraised value that was listed on the form. These are obviously two MAJOR determining factors and the incorrect information used to conduct this evaluation renders the entire underwriting decision moot. <P/>Error # 1 : The file that was submitted in XX/XX/XXXX 2017 showed a significant change in financial circumstances and based on this, my monthly income average was {$35000.00} which is significantly HIGHER than the figure of {$25000.00} that was used in Shellpoint 's evaluation. <P/>Additionally, the property value that was used in their evaluation was listed as {$3.00} million dollars. However, I have correspondence from Shellpoint ( attached ) that clearly states that on XX/XX/XXXX Shellpoint acknowledged that the current property value was XXXX XXXX dollars. Now their appraiser and Shellpoint is attempting to state that the appraised value of this property increased over 1 million dollars in two months time. Not only is this inaccurate, it is mortgage fraud. <P/>It seems that Shellpoint is changing the rules of the game as we go and then hiding behind negative NPV as a reason for denial. They have changed the value of the property 3 times and over a million dollars each time. They have used inaccurate and outdated income figures to determine if I qualify for any assistance programs or plans. I understand there is a large delinquency but I deserve a fair and accurate review based on the information presented, not based on whatever value Shellpoint decides to use to back up their assertions. I thought that it was no illegal for appraisers to grossly inflate values in order to please the lender, yet it is obvious that is what is going on here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I attempted to pay off my loan with Capital One auto finance. They do not give clear instructions on their app, so I called their XXXX number. My payment has still not posted. When I call the XXXX number, it says their associates are not available and to call back within the hours of XXXX and XXXX central time. Those are the hours I am calling. The problem I have is that the payoff amount keeps increasing with each day the payoff is not made. I am hesitant to pay it again as I do not want to go through the headache of overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My venmo account was frozen and I was notified via email that I had to submit proof of identity. After sending a picture of my license ( front and back ), my account was permanently deactivated. They will not provide me with a valid reason as to why ; however, it seems suspicious that they requested a copy of my ID prior to permanently deactivating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
Signed up for US BANK XXXX rewards card during XXXX XXXX, using their XXXX promo site at XXXX. At the sign up bonus given was XXXX plus extra for each XXXX XXXX won. Total bonus should be just around XXXX XXXX XXXX sign up bonus and around XXXX Olympic bonus ). I called US bank in XXXX ( only call made that month XXXX to confirm everything is good with all promo and a female service rep was able to confirm. Now 4 months later US bank is claiming I dont qualify for XXXX extra since they do n't track correct enrollment. I consider this complete fraud and false advertisement on US BANK part. Also after googling my issue, it seems quite a few customers had same issue with US bank not honoring its own promo.

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 2023-03-14
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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 ac XXXX  Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX/XXXX/15 I applied for a payday loan with Ace Cash Express online. The online application asked for basic information about my employment work history etc. After filling out this page i hit submit and a page came up saying a rep will contact you to verify your information. Four hours later i received a call form the rep who instructed me i had to call my bank on 3 way to verify information. After this phone call the rep said i would have my funds withing 24 hours. During this process i never saw or agreed to the terms they set forth. I never signed or revived a TRUTH IN LENDING disclosures. When I called to speak to a manager he indicated I had already signed the documents. I said if i did sign the document i would like to receive a copy showing my signature and he said he can not provide that to me. By law i should receive and have signed the disclosure and ace cash advance did not show me or provide me this document and still proceeded with the loan under terms i was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WESTERN UNION COMPANY, THE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Despite being a fully verified customer by Western Union, XXXX and having made XXXX transfers to the same person through WU, I made and paid a transfer of funds to my girlfriend in the XXXX on XX/XX/XXXX 
WU accepted the transfer and sent me a confirmation of this. 
Several hours later my girlfriend emotionally distraught manages to send a pro bono email from an internet cafe informing me that she was refused the money by the WU money collection point by telling her the transfer had been rejected and returned to the sender on the grounds of her name. The clerk insinuated and made references that my girlfriend was possibly " a XXXX '' or " a money launderer '' which left my girlfriend not only penniless but deeply hurt as it 's as ludicrous as suggesting that XXXX XXXX was " a XXXX '' or " a money launderer ''. 

-Western Union NEVER even contacted me to inform me that the " approved '' transfer had suddenly been rejected. 
XXXX I phoned WU to verify that my transfer had been sent back the XXXX WU operated did confirm this but REFUSED to provide any info as to " why ''?? 
I was told that 'WU is n't legally required to notify a customer of anything if they suddenly change their mind about a service ' and that my money would be returned within XXXX business days. 
-I phoned WU back on the XXXX of XXXX XXXX ask why I had n't recieved my money refund. The WU operated told me that the refund was returned to me on the XXXX of XXXX 2016. I told the operator this was untrue and a lie as NO MONEY had been returned to me. The operator informed me " they would investigate the matter and eventually get back to me ''. 
-The following day I sent an email to Western Union customer service centre asking them to please return my money. 
-They replied saying they were " sorry '' for any inconvenience and to 'make this up to me ' they would return MY money eventually. [ XXXX XXXX XXXX - Customer service representative-Western Union ] -I replied saying that it was the worst and poorest attempt I 'd ever experienced in XXXX years of business experience of a company trying to solve a customer complaint. 
-Western Union XXXX in XXXX sentences telling me in fancy words 'Take it or leave it ' [ Ieva XXXX XXXX - Customer service representative-Western Union ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received an auto loan from Santander Consumer. Two years after receiving the loan for a vehicle the car was totaled out due to flood in XX/XX/XXXX. I was informed that XXXX and XXXX both would cover the remaining balance of my loan and that I would not be responsible for paying anything out of pocket. About a month ago ( XX/XX/XXXX ) I went to buy a new car and I was told that my credit score had a charge off on it posted by Santander Consumer. I received no correspondence from Santander. No email, no letter, no phone call, nor voicemail. Needless to say I was blindsided by a charge off on my credit report that I had no idea of prior to going to purchase a new vehicle. I believe it was a very unfair practice for Santander Consumer to charge off a balance as they did without speaking to the loan holder about possible payoff on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: B&F Finance Corp.
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:
I had a loan with Quick Loans aka Dartmouth aka BF Financial in XXXX XXXX I Paid the loan early every month and paid it off 2 months early on XXXX XXXX. I then reported to XXXX and XXXX XXXX... they came back 4 times stating info ( a balance ) was correct and verified correct. I called BF in XXXX XXXX and was told by XXXX ( manager ) that it would be fixed by XX/XX/XXXX per her corporate office. It is still not fixed. I have submitted yet another inquiry through XXXX direct website and the XXXX link on XXXX XXXX, it is still not fixed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
On ( XX/XX/2016 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation