BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.

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 2018-11-02
Company: M&T BANK CORPORATION
State: NJ
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:
The reason for my writing is that M & T Bank is being unreasonable. I recently reviewed my credit report and found that M & T Bank were reporting inaccurate data. As a result, I disputed this erroneous data on XXXX XXXX by providing both up to date information and my detail request, clearly stating what I needed checked and rectified for my report to be 100 % accurate and verifiable. 
I was surprised by M & T bank that even after providing all the details that I did, until now they are in violation of the California Credit Reporting Act, which requires that an account be marked as disputed after a creditor receive notice of a client 's dispute. They have failed miserably to mark the account as disputed by client. Which clearly states that they did nothing in as far as investigation of my dispute is concerned. 
I am already in talks with my attorney in regards taking legal actions against M & T. Please see attached here with : 1. My dispute I sent to M & T on XXXX XXXX 2. My screen cast of my recent report without the client dispute remark 3. My small claim form- SC-100

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 2017-06-19
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is  the 2nd co mplaint I have filed  on Lexis Nexus in a yea r. They are reporting a tax lien of {$5300.00} that was filed on  XXXX / XXXX / 16 . This is showing up on   XXXX   and I disputed it twice and they sent a letter saying the information was gathered fr om Lexis Nexus. Fi rst of all the address was  XXXX   XXXX   XXXX  which I have not lived at in over 2 years. Second of all, it belongs to another family member not me! I locked my file last year wi th Lexus Nexus but obviously that is not true either. I am sick of this company reporting wrong info. It has never reported on  XXXX  or  XXXX . I am trying to refinance a loan and can not because of this wrong info they are reporting. I also have a letter from the court house that shows there is no lien with my social security number reported by them  at the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had been receiving numerous unsolicited phone calls from XXXX so on or around XX/XX/XXXX I finally returned the call to find out why they were calling me. I discovered that it was Loan Depot and their agent XXXX XXXX wanting to " assist '' me in refinancing my 6.5 % home loan with the VA. I explained that yes I was a " vet '' with a XXXX as well as an XXXX XXXX as a XXXX XXXX BUT my era was post-XXXX XXXX and that after XXXX fell there was a surplus of XXXX XXXX  's so a status of " XXXX XXXX '' was where we could opt if we ranked highly in our graduating class, which I did. XXXX assumed that I would certainly qualify for a VA loan even though I told him " Okay but I have my doubts '' Then before even see where my XXXX information left me with the VA, they sent me all the necessary documents, which I did sign and submit. They then deducted {$420.00} from my bank account for the " appraisal '' without telling me. Within the week, they then discovered that as I had suggested, I was turned down by the VA as I did not have enough XXXX XXXX to qualify for that benefit. Therefore, THEY immediately canceled the appraisal. The appraiser,  told me that when he returned to his office and was working on it, he received the e-mail to cancel it. 

Now, Loan Depot is refusing to refund my {$420.00} fee even though they jumped the gun by  charging me BEFORE verifying my eligibility for such a loan even though I told their agent XXXX I had my doubts. XXXX 's loan processor, XXXX XXXX, e-mailed me and told me that she had been told by her manager that all I had to do was call the VA to clarify the situation, which I did on XX/XX/XXXX with my case # of XXXX and spoke with a XXXX about it. XXXX confirmed that I did not qualify due to my lack of XXXX XXXX time. I informed XXXX XXXX about that phone call on XX/XX/30 at XXXX XXXX EDT. 

It was shortly thereafter that I learned, after an exchange of e-mails and phone calls, that Loan Depot had indeed canceled the appraisal because they now confirmed that I did not qualify for a VA loan. 

Now, they refuse to refund my {$420.00} even though the appraisal was never completed of submitted. I spoke with a XXXX XXXX who said the he would check into whether or not they had been charged by the appraiser and perhaps refund my {$420.00}. 

" Perhaps '' is not good enough for me. I am on a fixed income and their taking that {$420.00} without notice and without first confirming my eligibility for a VA refinance loan puts this totally on their shoulders. 

I am requesting that you intercede on my behalf and XXXX XXXX XXXX so that this does not happen to other senior citizens and veterans such as myself and force them to refund my {$420.00} fee. This is totally on Loan Depot 's mismanagement as well as their agents, not on me, XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: NPS GROUP
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Calls me from Unknown number, says it from s NPS, claims to have mailed me or emailed me items about my debt, says if I dont call them back they are sending a certified letter of intend to appear in Small claims court in my local county.  Say they will be out within the hour.   I try calling them back and when I ask for more detailed info the say they have me on camera and if I try to ask more questions instead of just handing over more money they tell me they will see me in court and hang up on me.   Their number is  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-06-19
Company: Bridgecrest Acceptance Corporation
State: IN
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 XX/XX/2015 I became unemployed and was receiving unemployment benefits. I had requested assistance from this lender in regards to assisting me with getting caught up on my payments but I continuously was behind a week, two weeks, and even into 30-60 days. The lender refused to offer any type of deferment/forbearance to assist me even though I repeatedly called and requested something to help me get caught back up. 
On a call a couple of months ago with the lender regarding a previous CFPB complaint I made regarding this matter, the agent stated that they do not have to offer assistance to their borrowers across the board and that these types of programs are only offered as the company allows and they are limited and not available all the time. I believe that this company is violating fair lending laws and is discriminating by not treating all borrowers the same across the board.

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 2018-11-02
Company: EQUIFAX, INC.
State: WI
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:
Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied citi costco card last year and never receive the card and never receive the statement. I never been worry about the balance because I never use it. I did credit report for my score about a month ago and found out there is past due amount with interest charge. I then contacted citi what is the balance for and they said the charge was for costco membership by XX/XX/2020, they verify my address was not include unit number that's why I have not receive my card and statement. I told then if they can wave off some of my interest then I will pay off but they said this case has been sent to debt collector which never answer the phone. Its only {$120.00} membership fee charge by costco without my authorization, talked to costco for help but no luck. I don't mind to pay for my membership fee and I have never late for my payment that I always pay in full.

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 2020-06-30
Company: CITIBANK, N.A.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple times to call citicard support. Also they have no email to access them. I believe what Citicard did is not fair to me as a creditor. I had credit line of {$14000.00}. My wife made a mistake one time and sent the payment a few days late. Yes, it was our mistake. We have been paying down all of our accounts. I have worked every day through out the whole coronavirus epidemic. Paid all of my credit cards down. Citicard dropped my available balance to what I owe them. Crushing my credit score. I would have a higher credit score if I filed bankruptcy on them. Total XXXX, time for someone to protect the creditors from lenders. This is almost the same as predatory home loan lenders did years ago. My credit score should be around XXXX Who let 's these lenders do what they do to creditors. I will be come full force on this issues. I will seek local and national legislation to fix the system and credit bureau. If I do not pay my bill fine, but everyone I owe gets PAID. 
Time that someone looks out for creditors or it will end up being another class action lawsuit against the banks. 
I have a buddy that filed bankruptcy 2 months ago for the 2nd time and has a credit score higher than mine. I should file, they would get nothing. I am a proud Veteran that has always paid my Bill 's and debt. Tired of large corporate banks taking advantage of the little people.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are many errors within this listing. Please check the High Credit, Date of Last Activity, Payment History, Credit Limit and remove immediately or I will pursue further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a {$20.00} subscription to The XXXX XXXX. After receiving a couple of issues I decided I didn't want it and the magazines and they stopped coming. I forgot to actually cancel. They subsequently threatened collection. I wrote them on their website offering to pay them the XXXX dollars or so for the issues I did receive. I received no reply. Today I received a collection notice from XXXX XXXX XXXX XXXX of XXXX XXXX NY. for {$20.00}. That's {$20.00} for a product I essentially never received.

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 2018-10-22
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday, XX/XX/2018 I went through Equifax 's " security freeze '' process at https : //www.equifax.com/personal/credit-report-services/. It forces you to create an account to place a freeze. 

I created an account. 

It doesn't allow logging in. It gives the following error : " We are temporarily unable to complete this request. 
Please try again later. '' It is now Monday, XX/XX/2018. The above message is constant and has been in place since Friday. 

Today, I received a welcome email from Equifax for their " myequifax '' website, which, as noted above, does not allow a login. I called the number in the email. I was informed Equifax has been updating their system " for a month '' but that I should " call back in 30 minutes ''. 

I called back 2 hours later. I was told, again, that nothing could be done because their system was updating, and to " call back again in 30 minutes ''. So I called again 3 hours later, and ... same thing. 

My understanding is that federal law states these jokers are supposed to allow me to place a security freeze. 

They are not allowing me to do so online or via phone. 

Between this and not being able to get my report, I've wasted multiple hours now trying to deal with Equifax 's broken website and support, and am seriously considering following the example of the woman in Vermont and filing my own lawsuit in small claims court. What's the point of having laws if there's no penalty for not following them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Old information reappears or never goes away

Complaint:
XXXX XXXX was removed, paid in full and removed XXXX XXXX 2017. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to transunion multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called Transunion a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, nor name that's listed on 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 2018-10-22
Company: AMERICAN EXPRESS COMPANY
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:
American Express ( AMEX ) offered me a credit card Promotion and they accepted my application under the guise of that promotion. I then charged the required amount, within the specified period of time, and then immediately paid off the amount charged less the statement credit promised under the promotion of {$150.00}. AMEX never followed through with crediting the account the {$150.00} and after my following up with them several times the end result was they told me I was disqualified from the promotion and they ultimately turned the account over to collections. I have fully documented all the phone calls with AMEX and the collection company. I have attached a copy of the final letter that I sent AMEX which summarizes my dispute and my efforts to bring this situation to a close. The outstanding balance owed on this credit card began with the {$150.00} promotion credit that they refused to give me and now includes the exorbitant late charges and interest that they are applying to that {$150.00}. The American Express corporation may be a huge company but they should not be allowed to " strong arm '' the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the Homeowner 's Protection Act the PMI I am being charged on my mortgage loan was supposed to automatically stop when my mortgage reached 78 %. According to my mortgage company, my mortgage is now at 75.4 %, yet I am still being charged PMI. I have emailed them twice to have this removed but they have not complied. They did send me a notice requesting I get an appraisal on the property once, but I understand the LTV is supposed to be based on the original value of my property, not the current appraised value. No appraisal should be required at this point. The Homeowner 's Protection Act defines the original value as the value when my loan originated. The mortgage company already has that figure as they show it on my online account. I did not receive a response from the mortgage company on my second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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 2018-10-22
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX reported a debt on my report. I asked the top three credit bureaus to remove the debt because it is not my debt. This company reported a bill from XXXX XXXX XXXX for almost {$1800.00} that is not my debt and not even in my correct name. I have called the company and their information is not correct, they do not have my correct ssn or any other information that pertains to me ; but Experian states that they verified all the information and it is correct. This debt needs to be removed IMMEDIATELY. This is the third request and I have had enough. It is not my name, not my bill ( debt. ) I am exhausted with this.

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