BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/XXXX I faxed the bank a XXXX pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/XXXX I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all XXXX pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. 
This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Please fix this problem for me and also this process so that other customers don't face this again.

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 2020-12-17
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have yet again received grossly conflicting information and I have recorded these phone calls. 

I have overpaid TMS in excess of {$15000.00} since XXXX of 2018. They received a refund check from the city of XXXX. Only returned {$5900.00} to me and they have YET to return the balance of these funds. 

I am on a fixed income and I would like these excess funds returned. They have not completed the escrow analysis requested in XXXX. Their policy states 40 days, yet NO analysis has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I mailed letters to XXXX, XXXX  and Transunion disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, Transunion 's XXXX TU ) phone number, XXXX, located on their website, reaches XXXX XXXX XXXX  in XXXX, NV. Apparently this has been an unresolved issue for months, as the lady who answered at XXXX XXXX XXXX immediately asked me if I was trying to reach XXXX, and that many have complained directly to XXXX, yet their phone number remains the same. That's my first issue. 

Secondly, when I try to log on, I can't get past the HARD SELL page of, secure your credit for {$19.00} a month. 

It seems like a conflict of interest for the credit reporting agencies ( they all have hard sell XXXX to offer this sort of security as it should be a given to keep my data secure. 

I suppose it behooves XXXX to keep consumers guessing on how and why their score 's been impacted and how a consumer can raise their score without having to use " XXXX '' or another tool as banks are their customer. 

I should have excellent credit, just like my husband, as we have identical usage, a mortgage, and payment history, yet my highest score is XXXX, whereas his is XXXX. 

Please address my score issue, the conflict of interest, and the incorrect telephone number. 

I appreciate your time and assistance on this matter and look forward to hearing back. Please let me know if you need anything from me to assist you. 

Best regards,

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 2021-05-12
Company: Big Picture Loans, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX and XXXX claim to be have the the loan and i asked for a payment arrangement and they said they couldn't do this and that they would have to take me to court?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : LoanCare escrow service paid taxes out of my escrow account to an incorrect parcel number in XX/XX/XXXX. They have not yet refunded me for this error or the late fees incurred as a result of taxes not being paid correctly. 

Details : On XX/XX/XXXX Loan Care sent {$1300.00} to the City of XXXX XXXX for payment of XXXX Summer Taxes. The issue is Loan Care placed the INCORRECT Parcel ID on the check so the {$1300.00} was applied to my neighbors taxes. I have met with and spoke with the City several times as well as Loan Care on Loan Cares mistake. Everyone acknowledges that Loan Care made the mistake but I have NOT yet received my {$1300.00}. 

{$60.00} : A year later, XX/XX/XXXX, Loan Care finally paid my XXXX Summer Taxes of {$1000.00} plus a late fee of {$60.00} due to Loan Care paying the XXXX taxes a year late. I am still awaiting the refund of the {$60.00} from Loan Care.

I have been contacting LoanCare with over 25 phone calls and emails since XXXX of XXXX and they are not resolving the issue. I am put on hold for hours to wait to speak to a management member who ultimately has no authority to resolve this issue. It is deferred to their " tax department '' but no attempts are made to contact me in any form. 

I sent LoanCare a very detailed letter and spreadsheet with amounts, dates and payments in XX/XX/XXXX. They said I would be contacted within 3 days. It is now 4 weeks later and I spoke to a member of their "  management team '' after being on hold for an hour and was only told that I needed to wait another week for them to decide what to do.

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 2023-08-02
Company: SYNCHRONY FINANCIAL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have an identity theft issue and there is still an account on credit report. I previously filed an FTC and a XXXX Police report indicating the account does not belong to me. I am trying to purchase a home but unable to do so because of the fraudulent account that is showing on my report as two different items : 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 explanation
Consumer complaint received 2019-03-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi. 

Beginning on XX/XX/XXXX my husband and I inquired about recasting with BSI Financial. While they did not get back to us ( after many tries ), they finally did on XX/XX/XXXX. 

We asked what the process was for recasting and again, took a long time to respond, but did on XX/XX/XXXX. They informed us that we needed to wire our money to them to start the process. I was not comfortable with wiring money to an account that I do not/ can not see the money once wired, so we made 2 one time payments on XX/XX/XXXX in the amount of {$80000.00}. 

On XX/XX/XXXX, BSI confirmed receipt of our funds and began the process for recasting. They shipped us documents on XX/XX/XXXX to sign, but the documents were unclear and we had some questions. They did not respond to any of these questions, so we had a lawyer review. Our lawyer responded on XX/XX/XXXX and since then, had little to no contact from BSI. Every single step of any of this transaction, we had to push and initiate from any side. At no point did BSI make any attempt to move these things along, unless we prompted them. 

After we called several times from XX/XX/XXXX, XXXX XXXX, we were notified that the person handling our account had left, but that someone would help us soon. Again, we had to prompt BSI to go handle this. All this while, our account via BSI Financial login showed that we were delinquent. After calling them several times to confirm why this was, they told us not to worry about it and we weren't being reported to the credit bureaus. 

Meanwhile, we have been paying the mortgage payments every single month on time. I always make at least {$100.00} in extra payments. This is my 4th home, by the way, and I've never missed a payment in my life. 

As of XX/XX/XXXX, my husband and I both received credit markers for missing payments. When we contacted XXXX XXXX about this, we were told that this was no big deal. Well, if you work for an audit company or a financer, it is very much a big deal, and we do work for these categories of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: CA
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 purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the Equifax data breach and my information couldve gotten in the hands of anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I noticed that a credit card provider ( Citi.com ) had significantly reduced my credit limit and increased my interest rate. 

It occurs to me that they had also increased my credit limit without request or permission the year before. It would seem that since credit card companies can arbitrarily reduce your credit limit that they can then use the justification that your are now using a higher percentage of available credit to raise your interest rates. 

The email notifications are easily overlooked in a flurry of advertisements they send out promoting themselves as well as notices of bill payments, which most people wouldn't open since they are fully aware that they had just paid their bills. 

It seems inherently unfair that a company can not only negatively impact your credit rating by unilaterally reducing your credit limit, but then raise your interest rate due to the impact they initiated, granting other credit providers justification to do the same, thereby creating a credit trap akin to payday loan lenders. 

Please look into this behavior which seems to me to border on fraud and if you agree that, please inform Congress. Just because you notify someone in small print that you have the right to financially XXXX them and will do so repeatedly given the slightest chance, that doesn't make it right. Currently lawful, but awful. 

It boggles the mind when you multiply this injustice by millions of consumers, not only at risk, but currently subject to these unscrupulous practices.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have been sending the CRA 's ( TRANSUNION,XX/XX/XXXX AND XX/XX/XXXX letters since XX/XX/2020 disputing negative and old accounts that they have refused to removed.the second letters was on XX/XX/XXXX2020, and the 3rd letters wasXX/XX/XXXX2020.Neither time has they responded to either of the letters.they are violating my rights by not deleting inaccurate and incomplete information from my credit report. i will attached copies of the letters below.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: LA
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:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX  XXXX XXXX  do I have 24 inquiries on my 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 2023-11-20
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan payments with AidVantage have been kicked back/reversed on multiple occasions and they are marking my payments as " late '' even though I tried to pay them. I have even received payment confirmations from them. I have never received notification that my payments did not go through. The payment reversals were found incidentally by myself. 
I have verified that my account/banking information is correct for these payments to process correctly. 
Customer service has not been helpful and their chat help boxes are immediately disabled. 
I do not want to accrue interest or late fees. And I do not want my credit score affected. 
Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. On XX/XX/XXXX I submitted a second document with my signature and a statement of taxable income along with a bank statement with deposits dating from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was alerted my monthly payments were to be set at the maximum for the Income Driven Repayment plan. On XX/XX/XXXX my signed statement along with bank deposits were rejected. I immediately resubmitted the documentation with further clarification on XX/XX/XXXX. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue. The only option I have been offered is to apply for a 12 month Partial Hardship Period. My income has gone down in the area of {$20000.00} compared to the XXXX Tax return submitted for my income driven repayment plan and have not been given any guidance to further prove my circumstances. I am a single member LLC and have made that clear in my income statement to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Checked my credit report with the 3 credit Bureaus and seen that XXXX  was reporting an inaccurate debt. On my credit report it reported a high balance of XXXX. XXXX XXXX/XXXX XXXX. I sent sent to XXXX  a letter to verify debt, XXXX  responded that the debt was verified and accurate. I requested validation of debt from XXXX XXXX. I received a bill with a balance of XXXX ( see attached ). I am aware that a bill does not constitute that i owe a debt. I then received a response from XXXX XXXX XXXX on XX/XX/20 stating that I owe a balance of XXXX. I have received 3 different balances all are reporting different and inaccurate. By federal law any items that report on my credit report must be accurate this in violation of my rights and must be deleted immediately. I have attached all correspondences from each company

Company response to consumer: Closed with explanation