BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX. 

State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: TN
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, There were three credit cards opened under my name that I did not open. The three are Baraclay, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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 2018-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my 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 2018-03-13
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:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT INFORMATION DUE TO ID THEFT APPEAR ON MY CREDIT REPORT / TOO MANY INCORRECT LATE PAYMENT, DEFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
I previously notified Experian that I am a victim of identity theft thru my Experian membership. with all proper paperwork

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. 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 explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase XXXX Visa - email sent to upgrade Visa was misleading, did not contain the facts about what was being removed from the rewards program, only included the new perks. 

Compared my prior statement to current statement and discovered that Chase removed the rewards benefit which earns 1 elite night credit per $ XXXX spent. 

Already submitted a CFPB complaint on XX/XX/XXXX for the 15 night annual elite credit that I did not receive in XXXX due to Chase changing their timing yet is practicing discriminatory practices by giving some customers 15 nights in XXXX and other none ( refer to prior complaint ). 

This complaint is deceptive practices, deceptive marketing, violates FTC, fraud. The email from Chase lures the consumer into believing that all the prior benefits are in tact and you are receiving increased benefits by paying only {$10.00} more per year. 

Unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: TN
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:
I submitted you a request not long ago to reinvestigate and remove the accounts from my credit report, and I was disappointed to learn that these false accounts were still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.

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 2018-03-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Diverse Funding Associates LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in response to : XXXX The document I received does not show that this debt is mine. My name is on the TO envelope but there is no information on the statement itself that shows this is my debt ( no ssn or last 4 digits, etc ). Please provide documentation showing that this debt is owed, for example, the contract that was signed to accept the debt.

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 2021-03-04
Company: American First Finance, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I did not authorize nor consent to the account opened with Vystar. I had an account with Vystar and closed it in XXXX. Today I called to help someone get a personal loan, but I was told by Vystar that I had an account opened in XXXX and had a charge off. I was never aware of this charge off and I refuse to pay it because the account does not belong to me. I spoke with several representatives, and everyone is trying to force me to pay the amount, and no one is looking into the situation and investigating if the account has been fraudulently opened, which it has. I was employed around that time, and I had a job with my income going to a different financial institution. I have never received any communication about this charge off and no one will help me validate the information. I have little knowledge of this debt, and no one is willing to help me resolve the issue. I refuse to pay for an account that is not mine. I want this debt to be out of my name and I do not owe it at all. This is very unfair to me. I have filed an FTC report, which is attached, and I have called and tried to resolve the issue, and no one would help 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 explanation
Consumer complaint received 2021-03-30
Company: DISCOVER BANK
State: TN
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, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
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:
I made a purchase on a Sunday with XXXX. Hour 's later i canceled the order and never received the order. Here is a copy of the transaction XXXX XXXX, XXXX Pending* XXXX XXXX. XXXX WA XXXX XXXX {$150.00} I have called both XXXX and Citibank. XXXX stated over a week ago they refunded the charge as i canceled the order on the same day and gave me a refund confirmation number of XXXX. This charge was cancelled and i am still being charged for an item i never received. 

Citibank bank lied to me and stated they would do a three way call and then transferred me to another department that said that was not true and they do n't do three way confirmation call 's. 
I then was forced to cancel all my accounts with Citibank.

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 2022-01-07
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my XXXX complaint that I am filing against EQUIFAX. There were XXXX [ XXXX ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA
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:
I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not 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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: United Shore Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX, I closed on my deceased sister 's property, which I became the owner on XX/XX/XXXX. The title company sent the payoff which was rejected as the mortgage company said they sent the wrong payoff number. I sent the Title company the difference and the title company resubmitted the new payment and was again rejected stating I owed interest, per diem, and insurance costs. The property was sold. I was never contacted by the mortgage company from the time of my sister 's death XX/XX/XXXX under the federal Garn-St. Germain Depository Institutions Act. I would have purchased the property at a better rate because I am a XXXX XXXX. I have made repeated phone calls and am told a supervisor would call. I received one call stating I would not be charged these fees because they made a mistake but I have gone from an initial payoff of XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called yesterday XX/XX/XXXX and the person said a supervisor would call immediately. No call. Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2017, I agreed to pay a delinquent credit card debt that had been purchased by Portfolio Recovery Associates. The rep I spoke with agreed that the charge off would be removed from my credit report upon payment. I paid it off and received a letter stating that the debt had been settled. Three months later, it 's still being reported on my credit. I 've called and emailed customer service. They all tell me that they do n't do pay to delete and they are not responsible for what their reps told me. They also told me that it was in fact illegal for them to remove it and that only the credit bureaus could do that. Which is a blatantly false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EXPERIAN CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.

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 2020-02-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying my loans since XXXX. I have served in the military since XXXX and just got out. I got out of college with my student loan debt reaching {$150000.00} due to interest rates that I was aware I had chosen. After 10 years now Ive only gotten my debt down to {$120000.00} and I pay {$800.00} a month to navient ( originally Sallie Mae ). They dont give me other options on ways to pay it back or lower my debt but tell me I can just do forbearance if it becomes a hassle but it will continue to add the interest ( not really a solution ).

Company response to consumer: Closed with explanation