BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is due to the high tolerance rate of hiring people that don't know what they do this was because of the fact that there wasn't nobody in charge at the time and the dealer was nowhere around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been attempting to have my Morgauge taken out of forbearance since XX/XX/2021. I have filled out the paper work on numerous occasions and faxes it over in three separate occasions since XX/XX/XXXX. I have been placed on hold on numerous occasions and have attempted to reconcile the issues. Loan care is not returning my phone calls or updating me about required paperwork or if more paperwork is needed. They continue to extent my forbearance period without my permission and are becoming impossible to work with.

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 2021-07-29
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this due to non-compliance with the CRA ( Experian ). 


They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-04-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My name is XXXX XXXX, last XX/XX/2017 I placed order online from XXXX they took the payment of {$300.00} in my XXXX Credit Card. Synchrony BankXXXX XXXX. XXXX XXXX Fl XXXX Credit Card provider. Seller email me, my stuff deliver XX/XX/2017. I call the XXXX Customer Service, I havent receive my stuff? They told me gave some couple of days, it could be delayed? After a couple of days I call them again and tell them Ive havent receive nothing? And I want a full refund of my money back. The customer service giving me a hard time for my full refund? And asking me a lot of things to do? They took the payment right away in my XXXX credit card and I didnt receive my order? What a big SCAM? I disputed this issue in my XXXX Credit Card Synchrony Bank many times, same as XXXX they dont want to help me or to give me a credit back of {$300.00} or refund my money back? I spokes to Synchrony Bank Customer Service. I am not going to pay the outstanding balance of {$300.00} in my XXXX XXXX, unless if you give a Credit back or refund my money back of {$300.00}? I told them to close my Account XXXX ending in XXXX. I am afraid theyre going to destroy my excellent credit history that I taking care for so long? I always pay them on time and most of the time ahead? You can verify it to Synchrony Bank? And now they dont want to helping me to refund my money back? I spokes to this Synchrony Bank, you required the merchant a receipient document with my signature on it? Proofs indeed I receive my order? The merchant cant provide that documents? Please helping me to refund my money back from this Synchrony Bank/Amazon. And please helping me to protect my Credit History in four Credit Bureau? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a SAVE plan request on XX/XX/23. The website informed me I would receive an email from them in 3 business days for approval and if not I would get an email with a status update in 10 days. It has now been over two weeks and i havent heard anything. Today, XX/XX/23, I waited on the phone for 2 hours and 45 minutes before someone answered. I was told that today they just finished processing applications for SAVE from XX/XX/23 so it would be another 3 weeks before I found out if I was approved. I then asked why the website said 3 days for approval and 10 days for a status update and the customer service rep said that was only during normal processing time and that they were having longer than normal processing time but mentioned that no where on the website or via email. In addition, during this time my loans are acreuing interest daily while I wait for the SAVE plan approval and she said she can not do anything about it due to long wait times. So I am ready to start making payments on my loan via SAVE but I am unable to do to the lag in processing time and NelNet can not pause my interest accruing. So I am just being penalized because they are behind on request approvals. They have no updated information on their website that they are behind or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my employment and income in XX/XX/2020 and as a result I havent been able to make my mortgage payment. I have tried to get a modification done with Shellpoint now that I am self employed and they havent responded to my requests or have a relationship manager return my call. I have sent in the Request for assistance package or form XXXX and send in the needed documents. No response. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since early XXXX, my US HSBC account and credit card account have been in review status. 
The customer service told me that 3-5 working days can solve this problem, but it has been a month now and my account is still unable to be used normally. The customer service did not tell me what caused this, but only kept me waiting, which seriously affected my capital turnover because I am a XXXX and only have this US account for investment and fund transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  XXXX XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I had to pick this option since my issue is not listed here. I used to have a credit card with Citicards CBNA which I closed on XX/XX/2021. The card was opened on XX/XX/2021. I desperately need the statements for the month of XXXX and XX/XX/2021 as a proof for NY XXXX XXXX payment. Failure to do so is causing me a repayment of {$1500.00} which I have already paid using the Citi Bank credit card. It's been XXXX weeks I have been trying to retrieve my statements which is a common procedure with financial companies even if the accounts are closed. The companies are suppose to keep the data for some years to avoid this type of situations. I have provided my social security number, name, address, XXXX, phone number but they keep asking me for the Credit card account number. How am I supposed to know the number of a card that I closed if the issuer doesn't even know. My credit report also shows the detail that I used to have the credit card with Citi.

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 2023-06-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I bought a product on XXXX and then returned it according to the sellers preferences. I waited several weeks for a refund and when I did not receive one I initiated a dispute with Discover, my credit card company. I opened the dispute on XX/XX/XXXXXXXX XXXX XXXX On XX/XX/XXXX, the credit for {$390.00} was applied to my account. This credit was kept on the account for months until XXXX came and Discover said the dispute was resolved in favor of the seller. I uploaded further documentation proving that i returned the product according to specifications on XXXX website and am entitled to a full refund. These documents included the receipt with the returned package tracking number, screen shots from XXXX website verifying that the package was received and signed for, and screen shots from XXXX chats and emails verifying that I was refunded to my discover card on XX/XX/XXXX for the full amount of {$390.00}. When I spoke to Discover over the phone ( on multiple occasions ) they said that XXXX had never refunded me and that the credit I saw posted to my account on XX/XX/XXXX was the temporary credit from Discover. When I spoke to XXXX however, they insisted that the XX/XX/XXXX credit was from them. Either way Discover took the credit, ( which was labeled as an XXXX refund ) away from my account on my XXXX statement as they reapplied the charge as the dispute was resolved in the sellers favor and not mine. This means that I have no product and no refund. Discover has refused to help me any further in this situation even though they wrongfully handled my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached document. 

XXXX Print complaint Per the previous complaint filed on XX/XX/2023 Company responded on XX/XX/2023 Company 's Response : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. " Upon checking my credit file, I am still seeing XXXX XXXX Currently Reporting on the Equifax Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for Equifax regarding this issue. Please adhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
The following inquiries on my report are fraudulent and were not performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: SD
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:
Equifax or the creditor XXXX are reporting two late payments on an account that closed 2 years prior. This is causing my loan lender to potentially deny my home purchase that was to be completed in 45 days. 

XXXX advised they havent reported since the closed date XX/XX/2022 and Equifax is advising they dont know how it happened or that it isnt on them and they wont fix the issue before my lender needs it fixed by.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 

I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. 
Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. 
Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. 
Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. 

I request an immediate and thorough investigation into this matter. I urge you to take corrective action by removing the inaccuracies from my credit report and ensuring that my credit history is accurately represented. 

Furthermore, I kindly request written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter within the stipulated time frame may compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to correct the late open accoount in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.

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 non-monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Identity was stolen multiple accounts have been opened using my name and social security, I have disputed this issue with Experian with no result, Spoke with XXXX on XX/XX/2021 at XXXX, he informed me he could not provide the full account numbers on my report. I explained that I wanted to compare statements and account numbers between all three reporting companies BECAUSE ALL 3 companies ARE REPORTING DIFFERENT INFORMATION, ACCOUNTS THAT ARE CLOSED on XXXX  AND XXXX  RELATED TO FRAUD ARE REPORTING OPEN ON EXPERIAN, I tried to dispute on line at EXPERIAN, and IT TELLS ME TO CALL EXPERIAN TO DISPUTE AND I CALL AND XXXX TELLS ME TO CALL THE CREDIT CARD COMPANY WHICH I HAVE DONE WITH NO RESULTS. I have sent letters of validity to each credit card THAT IS FRAUDULENT with no response from the companies for the accounts I am questioning.LETTERS NOW ARE OVER 30 Days. I sent CERTIFIED. 

I HAVE A RIGHT TO COMPARE CREDIT CARD NUMBERS WITH EACH REPORTING AGENCY TO MAKE SURE THE ACCOUNTS MATCH MY CREDIT CARDS AND NOT THE FRAUDULENT ACCOUNT NUMBERS AND BALANCES ARE CORRECT. 

CREDIT CARDS NUMBERS CAN BE DIFFERENT BY 1 NUMBER SO I HAVE A RIGHT TO KNOW THE ACCOUNT NUMBERS IF THEY ARE UNDER MY REPORT> XXXX  PROVIDED THE NUMBERS-THEN WHY CANT EXPERIAN YES XXXX  GAVE MY THE FULL ACCOUNT NUMBER FOR EACH ITEM ON MY REPORT TO CLARIFY AND VALIDATE WHAT IS MINE, WHAT IS ACTIVE AND HAS BEEN CLOSED and TO VALIDATE THE FRAUDULENT ACCOUNTS. 

EXPERIAN HAS CAUSED ME STRESS AND ANXIETY AND HAS BEEN OF NO ASSISTANCE- YES I HAVE SENT EXPERIAN THE POLICE REPORT, MY IDENTIFICATION TO VALIDATE MY IDENTITY. 
I NEED ASSISTANCE IN OBTAINING THE FULL ACCOUNT NUMBERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXXXXXX

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