BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX multiple times to remove the collection account. This medical collection was generated in error and I paid the account on XX/XX/XXXX in full. The collection agency also notified all credit bureaus to remove the account from the credit history as it was in error and has been paid in full. XXXX and XXXX removed the account but XXXX has not taken any action. When contacted multiple times, I was told that the collection agency is still reporting the debt, when they are not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned? 
I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In early XX/XX/2019, being a Senior Citizen if XXXX years old, I was having difficulty in transferring my funds between my checking account & my savings account in my Citibank accounts. 

Due to that fact that I the Citibanks fund transfer system malfunctioned, I was under the impression that I had successfully transferred my intended funds correctly when it was not, thus resulting in a missed payment which was beyond anyone expectation n control. 
As a result, a $ XXXX/- charge which was unjustiedly n unfaired made. 

I amicably attempted to urge the bank officers in the phone to waive this fee, however, when we came to the discussion of my XXXX year of age, the Citibank supervisor unlawfully discriminated against me because I was told not to use the banks system because of my age, which is against my human rights!!!! 
I now seek CFPB to redress this ILLEGAL AGE DISCRIMINATION against me & have this issue be escalate to the proper US Authorities to deal 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 monetary relief
Consumer complaint received 2023-05-15
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to reset my password to access my online account for over 30 days. I have spoken with Destiny Card ( Genesis Financial Services ) Customer Service 4 times in the 30 days. Each time they tell they will submit the issue to their IT and I should try again in 24 hours. Done this four times. Unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
there are credit cards on my credit report that XXXX have no knowledge of that i never used or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , NV-XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : {$850.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : Transfer/Sold Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Charged off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$25000.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: MARINER FINANCE, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Since XX/XX/2021 I have been trying to get the title of my vehicle corrected. It was updated to a Not Actual Mileage/NAM which is branded title which lowers the value of the vehicle by 50 % -70 %. 

Every time I go to the dealership to trade in or sell out to improve my financial situation the branded title prevents me from moving forward. 

Over the almost 2 years there was communication about the situation with the financier, they would send the same paper work. I would fill it out and send it back to them. They would assure me they would submit the paperwork this time it should work. I just say I sure hope so! 

Well all this communication about this situation and its not resolved. Seems as if the Financing company is holding me hostage and not letting me finance elsewhere or trade in the vehicle. They want the 19+ %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : 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 2017-09-22
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ally Bank is fraudulently attempting to collect additional fees. They refuse to acknowledge the evidence I provided ( Tire condition photos with date stamp on it, vehicle has 16k miles ). Ally provided photos of incorrectly measuring tires with tons of mud in the treads. They have lied multiple times about a payoff quote claiming that Ally does not have such option ( I have recorded conversations ). They are threatening to forward amount to collection. I can only speak to certain agents, I can not get to any different department agent ( i.e. dispute department, problem resolution, customer satisfaction ). They have confessed and acknowledged that the vehicle is a " grade 4 vehicle '' ( excellent condition ) which will most likely sell above its residual value ( also have recorded conversation of that, matter of fact it was the first call I received from them ). I  need advice on how to take legal action against Ally. Please help p.s. please pay close attention to how the measuring card is bent, the treads " barely '' miss the " allowable '' mark. See the amount of mud inside the tire treads.

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 2019-06-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
For the past several years starting in XXXX, every month for a year I submitted documentation to Experian for XXXX XXXX reporting inaccurate information on my credit report. My vehicle was wrongfully repossessed in XXXX by XXXX   XXXX acting for XXXX XXXX which resulted in a law suit. I disputed this issue and information with Experian who continue to report inaccurate dates & information from this creditor. Now Experian is reporting the delinquent account past the 7 years of reporting which is a violation of FCRA. I called Experian today after I attempted to file a dispute online. The dispute was declined so I called Experian only to be told by the representative I spoke to is located in XXXX XXXX, no supervisor was available because they were closed, she submitted my dispute over the phone but then informed me they only report what the company tells them even if the information is inaccurate and a host of other unacceptable excuses of how their dispute process works in which they don't investigation the company 's accuracy of information being reported. The investigation should include the company providing proof of dates and accurate disputing information to Experian before Experian reports it on my credit file. It's their job to report accurate information and if the information is not accurate, remove it. The law suit surrounding this repossession was recently settled in my favor in XX/XX/XXXX and XXXX XXXX is still reporting the delinquent account since XX/XX/XXXX. This account has reached it's Statue of Limitation in the State of California ( 7 years ) which should be deleted immediately.

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 2019-06-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from Equifax, XXXX, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a purchase with my Chime debit card from XXXX XXXX XXXX back in XX/XX/2020 for an online business. XXXX XXXX is the owner of this online business located in XXXX and the only way to contact The XXXX XXXX is via email at XXXX I sent Chime all corresponding emails showing I was going back and forth with The XXXX XXXX waiting on the online business to be completed and eventually requesting a refund which The XXXX XXXX agreed they would refund. All of these emails were forwarded to Chime but I have now been denied twice to get Chime involvement into my civil fraud matter. Chime refuses to tell me what is needed or what type of proof they need to purse this civil fraud problem. I have reported The XXXX XXXX to the XXXX or what ever the affiliate company is for international fraud. I was informed by local authorities that the only way an official investigation and probing fraud case can start is if Chime does a chargeback of the {$3500.00} and report this on their end. I have been scammed and Chime does nothing but deny my request. My Civil rights are being denied only because Chime doesn't want to do their job. I'm sure the Banks can write fraud off and get their money back unfortunately that won't happen for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I took out a private loan from Sallie Mae ( Navient ) in the amount of {$8000.00}. This loan required repayment to immediately begin. I have consistently made the monthly payments on this loan for over 13 years. I haven't been late on my payment for this loan I have not been late on a payment for this loan in almost 10 years. 
In looking into my loan, I discovered that at the time of distribution, my principal total was {$8000.00}, but the " unpaid principal '' began at over {$14000.00}. So I have been accumulating interest and paying on a number that was not what I applied for or was dispersed. In XXXX my loans were sold to Navient and the total principal was changed to {$6700.00}. In the 10 years since they were sold, I have paid over {$7000.00} on this loan and the total principal owed has only decreased to {$5700.00}. There is not a way for me to control how my payments are allocated and there doesn't seem to be explanation anywhere. Today when I went to review this loan again, the status has been changed to in-school deferment. I have not requested this, nor did I give permission for it to be put in this status and I do not have a way of correcting this myself. The pay off date for this loan currently shows XXXX and with the current amount I am paying monthly, this would result in my paying another {$13000.00} or more on this loan. 
How a loan for {$8000.00} that has never been refinanced could end up costing the payer over {$24000.00} in the lifetime of the loan is crazy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TransUnion is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted TransUnion, XXXX, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from 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