BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I took my cat to the XXXX  after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his XXXX. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.

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 2018-07-12
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It may concern, I XXXX XXXX XXXX, would like to formally complain about my mortgage servicer Flagstar Bank. I submitted my complete application for mortgage assistance about 5 months. I followed up today spoke to XXXX who he claims to be a supervisor immediately stated that the package was denied and never put into a review that is was probably a mistake that he will make a note in the system. I told him that theirs no time I have a sale date set for XX/XX/2018 and that for the last 5 months I've been bounced around given wrong information not just by rep but by managers such as XXXX, XXXX I can name a lot more. He then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain to him that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. My hardship was that I lost my job because they went out of business. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, please help me I do not wish to be thrown out on the street with my family it's very dangerous out there. 
Sincerely, 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 2020-05-17
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, or my addresses nor have I authorized any of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XXXX, I incurred a dental bill of {$2000.00}, and since I was unable to pay it at once, I put it on my CARE CREDIT CARD, which is SYNCHRONY BANK. The next day, I called CARE CREDIT to advise them of the charge, and informed them of the following : ( 1 ) That I wanted to pay said charge at the rate of {$200.00} a month ; ( 2 ) That I wanted the account to be set on " Automatic Payments '', so that I would never miss a payment ; ( 3 )  That I will make 2 monthly payments right now, or {$400.00}, and to put the balance of {$1600.00} on " Auto Pay ''. 
Then, on XX/XX/2020, I saw on my bank statement, that CARE CREDIT took out the ENTIRE {$2000.00} out of my account! On XXXX, I finally got a hold of someone there by the name of XXXX , and told her of their " mistake '' of taking out the entire sum of {$2000.00}, which was completely against our agreement. She apologized and assured me that I would receive a check in the mail for the balance owed to me of {$1600.00}. 
After 2 weeks passed, I still never got the check & when I called again, they said the check was sent out on XX/XX/2020, and that I was to receive it in 7-15 days. When still not receiving said check by XX/XX/2020, I called CARE CREDIT again. This time they told me that the check was not sent out until XX/XX/2020! And he informed me that it is up to 15 " business days ''. 
So, when I still had not received my refund, I again called CARE CREDIT on XX/XX/2020. They said " All we can say that the check was sent on XX/XX/2020 and you should have received it ''. When I assured her that I did not receive it, she essentially said that there was nothing she could do! 
To make matters worse, is that their records reflect that the {$1600.00} had been tendered & paid, and that I now have a {$1600.00} balance that will be paid at the monthly rate of {$200.00}!!! 
In my phone calls, I asked them to just credit back the charge to the Debit Card they were paid with. They refused to do that!

It is very clear that their actions amount to more than gross negligence, as it certainly is Fraud!

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 2018-04-04
Company: CITIBANK, N.A.
State: GA
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:
My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]

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 2017-08-05
Company: CarMax, Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with 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 explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: IL
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:
Equifax, XXXX, and XXXX hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Credit Wise Recovery Solution 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: Personal information incorrect

Complaint:
See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there

Company response to consumer: Untimely response
Consumer complaint received 2022-01-05
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a XXXX from a place called XXXX XXXX services for an old XXXX account that's past XXXX collection effort law. I explained I lost my job in XXXX and he told me he would notate my account. today I get a call from a person who claimed he stated his name, and when I asked again he refused to tell me and played hang up on me as he stated something to the effect you already spoke to XXXX we will forward this for further action... I demanded answers and he hung up on me again third time i called he lied said he didn't then put me on hold for someone named XXXX who also played that keep asking my name question as I already told them yes and wanted to play more games then I get a tarin on the phone who states she has no record of the previous person I spoke to!!!!! lies and against the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: GA
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Applied for a Chase Visa and was denied due to negative history with JPMC so I called and they said I had opened a XXXX Visa in XXXX, ran up balance to $ XXXX, then never paid it and it went to collections in XXXX. 
I have never had an account with Chase in my life, They told me to contact an XXXX XXXX where they apparently sold this debt or wrote it off. That company no longer exists so I cant even dispute it with them. Chase insists they can not remove this despite my repeated attempts to contact them about it. They have my current address noted on the account as well but Ive only lived here 2 years. This debt has never been on any credit report ever. Only seems to be in Chases system and a complete mistake. Ive purchased homes and vehicles and monitor my report and this item has never been present until now when I applied for and was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
in XXXX or XXXX I applied for a second mortgage for home improvements with Bank of America and was approved. I completed monthly payments for 15 years. In XXXX of XXXX Bank of America sold my loan to XXXX XXXX XXXX. They in turn sold it to XXXX XXXX XXXX  XXXX. Since the time that Bank of America has sold my loan I have received monthly correspondence that suggest that my loan is in " SERIOUS DEFAULT '' and that I need to " EXPLORE MORTGAGE RELIEF OPTIONS '' or consider " ALTERNATIVE PAYMENT PLANS ''. Monthly I send either company large payments to counter act any possible issues concerning my home ownership. Multiple telephone communications have only produced to me the information that my loan is in " MAINTENANCE '' and no information can be given me. I have been provided only with the knowledge that all my payments are deposited into a " SUSPENSE ACCOUNT '' and are not applied to the monies owed. for 15 years I have paid on this loan to only have my home ownership being threatened and jeopardized when I have already given the equalivent or more than owed amount. Please provide me with any information or help that may assist me. Thank you

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and 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 2021-02-24
Company: Nelson Cruz & Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on the XXXX of XXXX stating that Nelson and Cruz have just received an account in my name from an XXXX debt holding location.today I received a called from them stating that a judgement will be entered or has been.This account have been reporting on my credit reports since XXXX of XXXX by Nelson and Cruz. So I dont understand how they are emailing about another company. I have been disputing this account with them and the credit bureau which I have sent out multiple letters to Nelson and Cruz and the 3 credit bureau to verify that this is my account I have never received anything from neither. So Im not understanding how they are sending me an email stating that they just received this account. it has also come to my attention that this company have been reporting since XX/XX/XXXX that I made a payment in XX/XX/XXXX then in XX/XX/XXXX missed a payment XXXX and XXXX of XXXX they reporting me making payments even for XXXX of XXXX. I have never made any payments to this company at any point in time I do not believe that this is an account that belongs to me they are doing some Deceitful tactics to destroy my credit report and to collect a debt that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Lake City Credit
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has threatened me and my livelihood and repeatedly calls and harasses me. I have disputed this with them internally and requested that they mail me proof of debt but they continue to call and harass me nearly every day for months now. I asked them to stop calling during the day while I was in classes, and they refused. They refuse to send me any proof of debt via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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: Didn't receive advertised or promotional terms

Complaint:
When I signed up for Chase XXXX XXXX Credit Card I was promised a free night after first year anniversary at any hotel with no category or points limit what so ever. Yesterday XX/XX/2018 I received a letter which notifys me that the free reward night can be redeemed for the hotels with less than XXXX points value. 
In my opinion ChaseXX/XX/XXXX is using an illegal bait and switch marketing advertise to get their customers. 
Al I want is for them not to change the rules for their current costumers and grandfather the promotion for their actual customers who already have this card. I understand that the introductory offers are changing all the time but that not the case with what they are doing right now. They need to stick with what they promised at the time of the enrollment. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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 or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about 09/15/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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 2020-10-23
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: Information belongs to someone else

Complaint:
Dear Experian/XXXX/ XXXX tion listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

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 2021-11-01
Company: CITIBANK, N.A.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Report. Lets correct this immediately. The Company, CITIMORTGAGE XXXX, are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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