BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For several years my Citi Best Buy XXXX card has failed to list the exact minimum amount due. The amount listed always includes the amount the card is over its limit ( which Citi allowed to happen ). I generally have to guess what my minimum payment is, as I can not afford to make a payment of {$2000.00} plus. Their website and XXXX number also do not provide the true minimum payment. I have complained to the company about this approximately XXXX years ago and for a few months, the billing statement reflected the true minimum payment. In the last year I have made payments in amounts ranging from {$350.00} to {$500.00}, when my budget allows. I have not made any new charges to the account in at least XXXX years. For the month of XXXX, I made a payment of {$400.00}. I had been struggling but had been making payments of {$500.00} for the last few months. I have received harassing phone calls and emails stating that my payment was {$67.00} short. I explained to the caller that based on my statement, there is no way for me to know what the correct minimum payment is. The caller did not act like she understood what I was talking about. 

In addition, if Citi was accepting payments as low as {$350.00} without calling or sending emails, then they must have raised my interest rate. Generally, if the consumer isn't making new purchases or charges, doesn't this mean the consumer did not consent to the interest rate increase?

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 2023-01-22
Company: Experian Information Solutions Inc.
State: NV
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX last four digits of account # XXXX XX/XX/XXXX {$300.00} delinquent balance as of XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  last four digits of account # XXXX XX/XX/XXXX charge off {$510.00} transfer/sold Account name : XXXX XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$720.00} Account name : XXXX XXXX XXXX  XXXX last four digits of account # XXXX {$120.00} charge off Account name : XXXX XXXXXXXX, XXXX XXXX 
last four digits of account # XXXX XX/XX/XXXX is the charge off date {$830.00} Account name : XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$150.00} charged off {$69.00} Account name : XXXX XXXX  last four digits of account # XXXX and another # XXXX XX/XX/XXXX {$720.00} and XX/XX/XXXX {$530.00} Account name : XXXX XXXX XXXX XXXX only last two digits of account available # XXXX XX/XX/XXXX {$1600.00} Account name : XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$4700.00} paid and closed Account name : XXXX XXXX XXXX XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$1000.00} closed has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.

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 2022-10-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
After 2 years waiting for an insurance payout from American Express and ongoing excuses, I stoped payment on my credit card. this is in my eyes a dispute about service etc and has nothing to do with me being not able to pay my credit card balance. note : I was a customer with American express for 16 years and never late. 
now, American Express opens and closes my account and pulls my credit every time more down. I contacted XXXX about XXXX XXXX. in writing via XXXX and via mail. excuses and no changes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: DISCOVER BANK
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:
I filed an on line application for a credit card, bank with DISCOVER CARD, after reviewing additional requirements I couldn't met, I declined their products via phone call., On XX/XX/ DISCOVER BANK card co sent an email request for additional information for complete application processing, according to said request information must be provided no later than XXXX XXXX XXXX 

Discover Bank co disregard my request to promptly cancel my incomplete application resulting in wrongful HARD HIT on my credit report.

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

Complaint:
In XXXX my ex-husband and I purchased a town-home, in XXXX we divorced and I was awarded the home in our divorce settlement. The original loan processor was Aurora which was bought out by Nationstar in XXXX. I acquired a loan modification in XXXX on the property which my ex husband did not sign and I was told that he would be removed from the loan MANY times by Aurora and Nationstar. He is no longer on the deed but he is still on title/note. I asked Nationstar if my loan was assumable ( trying to remove my ex-husbands name since they did not do what they said ) but they said no which is not true due to the Garn-St German Depository Institutions Act of 1982, this act allows non-assumable loans to become assumable in certain situations such as divorce. I can not afford to refinance and Nationstar is not working with me on my assumption request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears in my XXXX consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : LATE PAYMENTS Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. 

Thank you for your assistance. 

Sincerely, 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 2023-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX  XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of convictions of crimes which anedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a collection notice from AmSher Collection Services. On XX/XX/XXXX, I returned the response in which I checked the following : This is not my debt Other in which I attached a letter I also checked that I wanted to receive the name and address of the original creditor. 
I attached all as attachments. 
The following was mailed by US mail to the Collection agency to AmSher Collection Services , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. 
My letter that I have attached as proof requested original signed document of my debt to them among other. As of today 's date XX/XX/XXXX, The collector has failed to verify this debt and respond to my letter. 
Upon receiving my letter however they did in bad faith report me to all three credit bureau without verifying that this is my debt. 
Proof of documents were uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN XXXX XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY XXXX XXXX XXXX'. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} XXXX CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT 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 non-monetary relief
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days

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 2021-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
We have an opened Mastercard account at XXXX XXXX with XXXX  past due since XX/XX/XXXX. 
Although XXXX XXXX, the data furnisher, confirmed they provided, and still provides, accurate data on all months as reported fully paid on time ( see XXXX letter attached ) since XX/XX/XXXX, Experian refuses ( we spent hours over the phone ) to print the whole months paid correctly from XX/XX/XXXX up to XX/XX/XXXX ( see attachements ). The green dots only start to appear on XX/XX/XXXX instead of on XX/XX/XXXX. This omission in the PAYMENT HISTORY MATRIX of the credit history leads other agencies and lenders to conclude that the data are not available in the history before XX/XX/XXXX. This is a lack of accuracy in the representation. As the age of good standing history does matter a lot in the score computations it is absolutely fair to represent the full history with all dots with green points since XX/XX/XXXX in full within the payment history matrix in our 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 2023-01-21
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Medical debt should be removed and should have never been sold to a collection agency. I have and had insurance at the and every time I saw DR I paid CO-pay as agreed. I contacted my insurance and was told that all medical bill was paid as agreed.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: MD
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 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, Experian, XXXX and I was not able to get any assistance.

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 2019-07-01
Company: GreenSky, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
twice in less than a year my account was locked out when I tried to pay. ID 7 Password saved on computer and still won't accept. Their password link doesn't accept the answers forcing me to make a several minute call to get cleared up. I pay more than asked for and they aren't making enough ... ..I guess. They make it very difficult to make over payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A payment that cleared my bank on XX/XX/23 will not be credited to my account until XX/XX/23.

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 2023-03-04
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX, I sent a letter to US Bank inquiring about the processes for 100 % XXXX Veterans and their Mortgages. 

I was told once US Bank verified the 100 % XXXX Veteran status with the XXXX XXXX XXXX 's office they'd conduct an Escrow Analysis. I sent them the Certificate as well from XXXX XXXX XXXX XXXX XXXX. 

US Bank received my Tax bill for XXXX in XXXX and conducted an Escrow Analysis. But my XX/XX/XXXX was still {$1000.00}. XXXX 's payment was reduced to {$790.00}. However, XXXX 's payment is {$960.00}. Upon conducting the Escrow Analysis, US Bank sent me a check for the Escrow overage. 

Upon contacting US Bank on XXXX XXXX XXXX, 30 minutes on the phone still did not yield me any answers as to why my mortgage payment keeps changing. 

I was told I'd receive a phone call within 48 hours. To date, no one from US Bank has contacted 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-04-27
Company: JPMORGAN CHASE & CO.
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 JPMCB Auto 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 my purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving

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