BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: NC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX while XXXX with the XXXX XXXX, I contacted CITI about a 30 day late notice that was reported to the credit bureaus. The 30 day late notice was reported to my credit on the month of XX/XX/XXXX ( XX/XX/XXXX ). This was during a time where I had limited internet access and could not make payments to my account. Mobilizations while XXXX are coming and I was without reliable internet for almost 2-3 months. I contacted CITI for a courtesy removal/ hardship removal of the notice from my credit report on XX/XX/XXXX. I was told by the representative that this should be approved and there should be no problems with my request. 

I called at the beginning of XXXX and found that on XX/XX/XXXX CITI had approved my claim and that it should be updated on the next statement. My statement period ended XX/XX/XXXX and the 30 day late notice was still on my account. I called XX/XX/XXXX three times and was told all of those times that the request was approved and that I would have to wait 30-45 days for it to be removed from my credit. I even spoke with a manager who requested a letter on my behalf so I could prove to my loan officer this notice would be taken off my credit report. At this point I was told by multiple people including a manager that this problem would be resolved, with one who proposed a resolution letter for me. 

I contacted CITI the very next day and was told that the request for the late notice to be deleted had been denied since XX/XX/XXXX. Even after I had received information that it was approved by multiple people. He told me that even though Im XXXX and had no access to internet and my account shows that I am under XXXX the minimum payment should have been made, which is understandable.Although, this is showing no loyalty to those overseas serving their country who run into such situations. Moreover, why was I told incorrect information, and waiting for an issue to be resolved while getting wrong information on multiple occasions. This lack of correct information is going to cost me approximately {$7000.00} in interest for a mortgage I am preparing to close on. 

I would like to see the initial promise of this notice being removed from my credit report upheld. I have also complained to the XXXX and my next step is contacting a JAG through XXXX legal if this is not 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 explanation
Consumer complaint received 2019-08-09
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
- US Bank website has many problems and glitches including but not limited to not being able to save bank account info, in addition, the system does not pass the account info correctly. 
- this resulted in -sometimes- that they said the bank account info is wrong which in fact it isnt, because I check them three times before sending. 
- in turn this resulted in late payments and late fees, and when I call to resolve, they dont waive the fees. 
- in turn when I pay the lease amount, it doesnt fulfill the full amount as the late fees carry over, which I turn accrue another late fee consequently. 
- basically its a scam and a lousy website. 
- finally, they sent me a letter that they reported the late fee to the credit bureau which will affect my credit score. 

So in a nutshell they are damaging my financial well-being.

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 2021-06-30
Company: Experian Information Solutions Inc.
State: CO
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:
For the failure provide : request for information, verification of information : inability to verify information. Thus of fraud. information should of been certified-verfied when 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 2021-03-25
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.

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 2020-05-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a COVID -related forbearance and it was granted online. I am now receiving threatening letters saying that " your mortgage is now two months past due, and we have not received a satisfactory response to our previous request for payment or communication regarding the above listed loan. '' They say to call them and no one answers the phone.

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 2018-07-10
Company: PENTAGON FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
my card was stolen and my son who is on duty was overseas there claiming this signature which is just a line is mind or my families which is not this is not our signature nor is it my sons or my daughter who live in my house but where over seas at the time and there is proof penfed made this decision illegal knowing its fraud and are violating my rights under the FCBA they need to be investigated as this is a routine matter they deny legitimate fraud claims the XXXX police report number is for the fraud is XXXX phone 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 2018-03-27
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.

I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.

They are also using a robo-calling device to call my cell phone. This is also illegal.

I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Covid-19 EIP Stimulus Card : We still haven't received our EIP Stimulus card from the money network company.

This company is supposed to issue government issue stimulus cards for Covid-19. We can't reach them or talk to them to get the status of our card.

Here is their information : Money Network Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Bread Financial 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 status incorrect

Complaint:
To Whom It May Concern I recently obtained a copy of my credit reports that reflects that as of XX/XX/2020, my COMENITY CAPITAL/XXXX  account is reported as closed. This information is incorrect, and hence has negatively effected my credit score. I did not authorize nor attempt to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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 information incorrect

Complaint:
amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My mom and I have spent over 20 hours this week on hold to activate her card and we keep getting disconnected. 

All her bills are late and getting late fees along with the fact she is XXXX, this Direct Express company Ive ever tried to contact in all my life. 

We need help ASAP. 

No answer for over 20 hours of being on hold and stuck with no way to access her money. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Rocket Mortgage, LLC
State: ME
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:
On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and XXXX  of XXXX along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I applied for SCRA protection / benefits on my Capital one auto loan. Capital one did correctly backdate the reduced intrest rate from over 17 % down to 4 %. The law requires it be dropped to 6 but Capital one is generous in giving a 4 % rate. However my payment was not reamoritized as required by the SCRA of 2008, the payment at 4 % is equal to the payment initially contracted at 17 %. My payment remained at {$320.00} they forgiven intrest however is being applied directly to my principal balance. Per the SCRA act this is not allowed and considered excellerating the principal. If the payment remained the same and they stated that they lowered the APR to 4 % then the forgiven intrest is going directly to the principal balance ( a violation of SCRA ). I  consulted with military one source and JAG and the both agree that Cap1 Auto is in fact excellerating the principal. I also never received at 45 day change in service notification to be compliant with Regulation Z part of the truth in lending act. Capital one falsely claims that the account can not be reamoritized because it was delinquent prior to military service causing a ballon payment. I should have a credit on my account after the reapplied payments at the reamoritized amount would be greater than {$1000.00} dollars Capital one has not followed SCRA guildlines and is causing hardship as well as further damage to my credit report by applying payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Receivables Management Partners, LLC
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:
Allied collection group is showing a collection account on my credit report in spite of the fact that this account was not due until XXXX of 2020 and was paid in full, XXXX of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: AR
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:
Experian will not give credit report stating no credit history. They post a number to call but no way to speak to a person

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have contacted Transunion and XXXX XXXX  about inquiries on my report and they have YET to do anything about them. I have filed report after report and nothing.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter for the creditor in question that was on my credit file as proof that the account that they have placed on my credit file was reported in error. 

Then, I mailed the copy of the letter of proof from the creditor to the credit bureau. The credit bureau refused to remove the creditor from my credit report file.

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 2018-03-27
Company: Convergent Resources, Inc.
State: SC
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 letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.

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 2021-06-30
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed XX/XX/2021 on a condo in XXXX XXXX and making automatic payments on time. 
United Wholesale Mortgage who now services my new mortgage purchased by XXXX XXXX apparently sent me a letter dated XX/XX/XXXX received XX/XX/XXXX, that was fraudulent from the start, where it says Delinquent N/E Loan Notice at top, to the middle where is falsely states the entire XXXX tax bill of {$8100.00} is delinquent, when its paid in full, to finish, where it says this communication is from a debt collector to collect a debt ; as they are not a debt collector do they work for the XXXX county property tax collections even if there was a legitimate debt. 
e unpaid taxes for this year, with regulations in home buying, as you are well aware. 
A quick check of my parcel no which they sent on the letter, on the XXXX County Tax assessor site, shows the taxes are of course paid in full until my next bill arrives in XXXX. Their company clearly aware of this. 
They state " as of XX/XX/2021 our records indicate that real estate taxes remain unpaid on your property is false and easily disproven with quick check of parcel number on XXXX County Treasurer site open to the public. They then request a proof of payment by me that cant be sent, as they know because I did not pay them, the seller did earlier this year. They are obviously trying to have my funnel money into their company by forcing me to pay into an escrow account if I don't prove this payment. This is outright extortion based on fraudulent information. 
I called their number to verify this was not an outright fraud by someone posing as affiliated with the company and their associate confirmed they sent this letter, and audaciously stated falsely XXXX County had sent a letter to them stating unpaid taxes. This was not only rebuffed by the XXXX  office but nonsensical as they do not send notices to lenders. 
I will pay my property taxes, bi-annually myself on time as is my right. This company 's strong arm tactics to bring in income are a disgrace and everyone who approves these tactics should be punished if you can investigate. I work finance and trust in our system is vital. Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NC
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 XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.

Company response to consumer: Closed with explanation