BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
Experian has continue to state XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX has reported bankruptcy on my credit file. 
XXXX XXXX has advised they are not responsible for the use or misuse of any information gathered by third parties and do not report information to any one. Experian has contiued to lie about this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ability Recovery Services LLC at XXXX box XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as a past due balance. I am not aware of this company and I have never done business with this company. This company does not have a contract with my signature. When I requested validation of this debt, they provided me with an erroneous document that showed a balance owed of {$3100.00} which is completely different from the balance they are stating is past due ( {$3800.00} ).

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 2020-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification in XXXX of this year and provided all the all my proper income and back-up documentation necessary to the lender, including any clarification documents they requested throughout the process. I was just informed that my request was denied. Based on what they told me I don't believe they considered the correct federal guidelines in their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

Petition to remove inaccurate information from Credit file. 
My name is XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX. 
After reviewing my report I discovered that inaccurate addresses are still listed on my report. I have sent a letter severally to have this removed without any success. 
Kindly remove all other address. My correct is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. 
Also remove all employers as they are inaccurate. 
I see also 1. Account number XXXX. 
XXXX XXXX XXXX Original Creditor : XXXX This Account is not mine and should be deleted. 
2.Account name : XXXX ( Original Creditor : XXXX  ). 
Account Number : XXXX. 
This Account is not mine and should be deleted. 
3.Account number # XXXX** This Account is not mine and should be deleted. 
I also request a speedy investigation and deletion as soon as possible. 
Signed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian removed my XXXX account sometime between XX/XX/XXXX and XX/XX/XXXX, so my credit score went from XXXX to nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called Experian. They said to call XXXX to check the information on my XXXX account and report the account to Experian. Then, Experian will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why Experian is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my Experian credit report to verify that my XXXX account has been readded. My online Experian account at https : //usa.experian.com/ will not let me refresh my credit report without paying Experian {$24.00} a month. I called Experian and they said they would mail me my credit report. Since then, I still have not received my credit report. Why could they not just refresh my online Experian account 's credit report? I know Experian has the ability to instantly refresh my online Experian account credit report because they literally charge {$24.00} a month to do so. Instead, they are making me wait who knows how long for the credit report to come in the mail. Wait actually they refreshed my online Experian account credit report on XX/XX/XXXX, but it is still missing my XXXX account. They did not fix anything. Now they will just respond to this complaint with a generic copy and paste response telling me to contact Experian by phone to resolve this issue.

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 2017-07-11
Company: Experian Information Solutions Inc.
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:
In     XXXX    2017  and   XXXX      2017  I disputed an account by mail, that was reporting incorrectly. BOTH times I received a letter stating that the account in question was n't on the credit report. Ive called only to be told that the account number that was put on the dispute us wrong. It is my right as a consumer that if an account is inaccurately reporting to demand removal. I do n't understand how I can write the account number wrong that I received off of their website? Twice? The only resolution is that the account be deleted.

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 2019-08-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I was approved by Citi for the Citi / AAdvantage Platinum Select World Elite Mastercard with a credit limit of {$13000.00}. 

The offer at the time was : Earn 60,000 miles after spending {$3000.00} within the first 3 months of account opening. I have a screen shot of this very promo from Citi 's own website.

When I received my card in the mail, a letter said that I would earn 40,000 miles if I spent {$2000.00} within the first 3 months of account opening. 

I called Citi on XX/XX/2019 and informed them of the issue, that I had received the wrong promotion. They sent my concern on to the marketing department. I then received a letter in the mail from Citi saying that I had not been solicited for that offer. 

I called Citi back on XX/XX/2019 stating that I had a screen shot of the offer I applied for. They had me email the screen shot to an email address at Citi that is for XXXX XXXX promotions. 

I hadn't heard anything back for nearly a month, so I sent an email to the given email address yesterday ( XX/XX/2019 ) asking for a response. As I hadn't heard anything today ( XX/XX/2019 ), I called Citi support. 

I was told that they did in fact receive my screen shot, but apparently they would not apply the proper promo to my account for this circular reason : Allegedly, I was not solicited, with a letter in my name, offering me the 60k miles promo. I wasn't, to my recollection, sent an offer for the $ 40k either. Because their own website did not have my name on the offer ( which it logically wouldn't ), the promo did not necessary apply to me **even though I was approved for the card when I applied for the card under the offer**. 
So I wasn't " technically '' offered the 60k promo, but I was allowed to apply for the card under it **and I was approved**. 

This is false promotion and messaging.

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 2021-03-24
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Friday XX/XX/XXXX : car was involved in accident when another car, other driver was at fault. 
Monday XX/XX/XXXX : contacted lender One Main FinanciaXXXX first thing as was first business day after accident. I was informed at that time that I was being charged extra for their insurance. I went to office to get a copy of policy as ( XXXX. I had never received copy XXXX as this was autopay I really didn't pay attention to the extra charges ) I was also informed at that time that they had sent me XXXX notices back in XXXX of XXXX and since I had not responded the insurance had been added. I asked some simple questions that they took offense to and could not answer. I will list the same questions again. 

XXXX. If One Main has no problem contacting me multiple times by email ; text ; phone calls ; and all of my bills from them since this loan as well as promotions have all come to my address on XXXX XXXX since XXXX, why is it that the only XXXX pieces of mail that dealt with an insurance issue sent in XXXX of XXXX sent to an old address on college? 

XXXX. When my XXXX  and I came in to finalize and close the loan we brought in our drivers licenses ; title ; registration ; insurance that all had the XXXX address on ( my wife had paper copy as well as sticker on back of license for change of address from Michigan secretary of state ) and we filled out closing form with our XXXX address, so how did it not get put in their system correctly? 

XXXX. They stated that my address had been updated in system in XX/XX/XXXX. I asked were they got the new address from as I had never been contacted to confirm? I was told from the File?? 

XXXXI am being told that an insurance that they took payment for to secure the collateral is no longer valid as I had shown proof that I had full coverage insurance ( I'm still being billed for their insurance though ) How can One Main take payment for a service that they have no intention of fulfilling? 

Now I am being told it could take months for them to resolve their issues, but I am still required to pay the monthly payments including an insurance that I didn't need or have to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I filed a claim with Chase Bank ( Claim ID # XXXX ), in the amount of {$840.00}, which was charged to my checking account ending in XXXX, by merchant XXXX on XX/XX/XXXX. 

The claim involved a suspension lamp purchased from XXXX. The product was XXXX XXXX merchandise previously purchased, opened, and returned by another customer. 

The lamp I received on XX/XX/XXXX, was broken and defective. I called XXXX to arrange a return, and was promised, on two separate occasions, that return instructions would be sent to my e-mail. 

The instructions were never sent, so Chase was notified and a claim was submitted. On XX/XX/XXXX, Chase sided with the merchant and closed the investigation. 

According to several claims supervisors and representatives, XXXX DID NOT provide evidence that return instructions were sent to me as promised. The documentation XXXX provided to Chase DID NOT address my complaint, was unrelated to my circumstance, and DID NOT provide proof of non-liability, according a Chase supervisor I spoke with on XX/XX/XXXX. 

Chases decision to close this valid fraud claim in the merchants favor is unacceptable. I will hold XXXX financially liable for damages should this issue not be resolved justly ( in my favor ) and my account credited back {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Lenox Financial Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process of refinancing my personal residence and vacation home in early XX/XX/2020. I was told several times that the loans were approved but then they kept asking for the same information over and over which was provided, then they lost underwriters, seems like they were always starting over. Now it's mid XXXX and they still have not been able to provide me with a closing date or if it has been " officially '' approved. I keep giving them updated bank statements, they changed my insurance to reflect them as mortgagee ( which happened early XXXX ) ; they contacted my CPA to ask a couple questions about one of XX/XX/XXXXXX/XX/XXXX, which cost me {$250.00}, and the list goes on-and-on. I have never experienced anything like this in all the refinancing transactions I've completed in 30+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX, and Equifax over 30 days ago and they have failed to remove thesein accuracies. 

XXXX Professional Debt ME Acct # XXXX Showing duplicated three times Equifax XXXX XXXX XXXX Acct # XXXX Showing duplicated four times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent certified letters to TransUnion LLC regarding validation of debts received and signed for on  XX/XX/XXXX     @  XXXX . Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion.  Consumer  contacted  Recorder  of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had {$3400.00} scammed from me {$400.00} being on XX/XX/2021 and {$3000.00} ( XXXX separate transactions ) on XX/XX/2021. The information attached are the messages received by me from the scammer as well as the XXXX emails used, a phone number, and a fake phone number of XXXX XXXX XXXX and social security number to make the entire thing believable. I have made complaints to Wells Fargo, both in a Wells Fargo bank as well as through the consumer financial protection bureau, who failed to uphold the Electronic Fund Transfer Act ( EFTA ), Regulation E, and denying me reimbursement under the false pretenses. The entire interaction and results falls under the Electronic Fund Transfer Act ( EFTA ), Regulation E which grants me the right to be reimbursed by Wells Fargo to cover the loss.

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 2022-02-17
Company: EQUIFAX, INC.
State: CA
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:
Ran the Equifax report on XX/XX/15 and came across another name " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX associated with my account, along with XXXX auto loans, XXXX from XXXX XXXX  XXXX XXXX. Already filed a police report, disputed the accounts, and contacted the banks. These charges are only reported through this credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Transaction posted on XX/XX/2017, Reference number : XXXX. 
The company failed to file XXXX Arbitration case in violation of " XXXX Core Rules and XXXX Product and Service Rules, '' page 704 without any reasonable explanations.

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 2022-02-17
Company: Lending Club Corp
State: CO
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:
Lending Club is incorrectly reporting on my XXXX credit report as 90 days late in XXXX and XX/XX/XXXX. XXXX Lending Club loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a Lending Club representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment, I called Lending Club immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from Lending Clubs web site, Lending Clubs response to my XXXX  complaint, my XXXX  XXXX XXXX completed Lending Club payments, Lending Club hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an XXXX report of Lending Club reporting. I am including all of this just in case Lending Club tries to report me any other month late that is incorrect. If you look at Lending Clubs response on the XXXX  complaint, Lending Club assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot is my mortgager. They paid the wrong insurance company out of my escrow account on XX/XX/2021 and then finally paid the correct insurance on XX/XX/XXXX. They used funds from my escrow account to pay both insurances leaving me a deficit in my account. I have asked to have the funds from the wrong insurance credited back to my account in the amount of {$1700.00}, but still nothing has been done. This has been going on for weeks and they tell me I need to talk to the insurance company to get my money back. I have no contacts at this insurance company and am getting no help from Loan Depot. I'm currently in the process of refinancing with another mortgage company and Loan Depot are including my deficit in the payoff notice even though I should have a positive balance. I feel like the money has been stolen from me.

Company response to consumer: Closed with explanation