BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sears has consistently been negligent in opening fraudulent accounts and has been accessory to assisting fraudulent accounts and applications are approved with my social security number, EVEN THOUGH I HAVE MARKED THEM BOTH AS FRAUD AND HAVE A FREEZE AND 7 YEAR ALERT ON ALL THREE CREDIT BUREAUS. In XX/XX/XXXX there was a fraudulent application for credit submitted and I called to close it and place a fraud marker on my file ( AND my social security number ) as I have consistently been combating identity theft for the past 2 years. In XX/XX/XXXX they stated they had done so and this wouldn't happen again. 

Yesterday, XX/XX/XXXX I received an application alert through XXXX ( AGAIN, almost 1 year later ) that there was an application submitted through Sears with my social security number. Today, XX/XX/XXXX, I called Sears with XXXX and was told by the applications department that the application was CLOSED and there was NO Credit Account open, and that they would place yet another marker on my file. A minute later, XXXX confirmed that the application was actually approved and that the credit file was opened, contrary to the recorded conversation with the woman from Applications. The woman in Fraud Department ( who was nice, yet ineffective, like all Sears and Home Depot associates ) told me that there were two known aliases using my social and that they would mark it as fraud, again. they told me to put a 7 year hold on my account. When I asked WHY they were negligent in regard to both separate fraudulent accounts and applications, and WHY they had just lied in the applications department, I was told to contact SSA and the bureaus. Which I have done twice in the last month. I was then asked if there was anything else and they hung up.

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 2020-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Submitting a complaint about the rediculous lack of response I am getting from HSBC. I tried to open a new checking account ( my first banking relationship with HSBC ) with HSBC, making my initial {$500.00} deposit on XX/XX/XXXX, and then roughly {$3400.00} was deposited 2x/month via direct deposit starting XX/XX/XXXX, meeting the terms of a new account promotion offered by HSBC. Note - it took about a month from the time I requested the new account before it was created for me - not fraudulent, but really bad service. This in itself may be worth looking into as I dont know if there is some sort of accounting advantage related to how they time recognizing new accts. I inquired about when the new acct premium would be applied, and they sent a secure message on XX/XX/XXXX noting it takes 8 weeks to apply after earned. I gave them ample time to confirm I had met all requirements, and allowed 8 weeks, when I re-inquired in XXXX about the status of my new acct premium. I received a secure message on XX/XX/XXXX that they submitted my inquiry to their " Campaigns & promotions '' department for review and would need 7-10 biz days to compete their research. it is XX/XX/XXXX today ; how are those 7-10 days looking? I've reinquired every month, and received secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX, with each referring to some area of their company working on this. This is a simple research exercise - what were the terms of a promotion that was in effect, and did the customer meet those terms - if no, explain you are sorry and why you cant award the premium ... ..if yes, apologize for the delay and award the premium. This is not hard, and this is not a small company. I must therefore conclude that this company is purposely delaying awarding the {$750.00} new account premium that is due, and there is no reason to believe they are singling me out - this is likely happening to many customers who observed HSBC 's offer, responded and complied in good faith, and are now either battling to get the award they were promised or have simply given up and have been cheated out of what they earned. HSBC makes too much money to nickel dime customers this way, and I'm hoping the CFPB can impose its will to review their new account award advertising, fulfillment, and research processes as you may find gross sloppiness, but I suspect you will instead find proceduralized fraud. I thank you very much for any support you can provide in this effort, both for the fraud I have encountered, and that which I am very confident is happening to other HSBC customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2021-02-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XXXX XXXXXX/XX/XXXX XXXX had originally put this account as being late. After disputing with the credit agencies XXXX XX/XX/XXXX XXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXXXX/XX/XXXXXXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.

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 2018-09-17
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My SS check gets direct deposited. I then pay my bills. I sent out 2 draft checks from my account, one was properly handed, the other was not. Then I noticed an amount that had been debited was credited back and redebited. The check in question presented after I had thought my account was in a positive balance and after I paid another bill leaving my account overdrawn. I was socked with 3 XXXX fees for the check. When I called about it, the bank employee cou ; dont get his story right regarding draft checks and personal checks. He refused to do anything about the overdraft status. I literally have zero money now to purchase food or go to the doctor. And that is because of this. I have documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a hard inquiry on my TransUnion credit report from XXXX XXXX  vi for XX/XX/2020. That hard inquiry should not be on my credit report because Ive never walked into any of their branches and authorized them to do a hard pull on my credit report. I am hereby asking for that item to be deleted or removed.

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 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a LEGAL older XXXX and resident of the United States since XX/XX/XXXX. 
I have a small sole proprietor design and remodeling business. 

In late XX/XX/XXXX and followed up last year, XX/XX/XXXX through marketing I received an offer for a a revolving line of credit by Bank of America for my small sole proprietor business, with the words that I qualify. 
Despite having a average stellar credit rating in the 800s and an enthusiastic encouraging preapproval, I got turned down by the bank after applying with the argument that I have to high payment obligations. When asked they said I have a mortgage payment of {$1900.00} a month. Although my average monthly gross receipts are more than sufficient the bank would not budge and insisted on a credit report Fact is I never applied for mortgage and I never held a mortgage. there is no such monthly payment obligation and I never have ever made such a monthly payment neither have I ever received any letter claim or collection of such. 

Even stranger but obvious to me, checking all 3 credit reports I do not show any mortgage or such payment obligation. All I got was a hard inquiry knocking me down by 10 points due to the bank inquiry. 

Bank of America so far has denied my request to see this report. 
Obviously it is pointless for me to file a complaint against a credit reporting agency for something that does not exist!

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 2020-06-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to set up direct deposit with XXXX XXXX for my restaurant banking account with pnc and when I tried it said pnc changed their rules and cant let me do it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is not applying additional monthly principle payments to the balance of the loan. They are trying to drag out the loan and cost us money. This has happened three months this year. I have had this problem more than three times this year. Attached you will find THIS months issue. A single additional payment of XXXX was made. The amount was too large for them to apply. They ended up trying to pull another XXXX on top of the original amount. They are now trying to charge a bad check fee. Our bank stated that they are consistently having trouble with this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying since XX/XX/2022 to have XXXX, XXXX and XXXX reflect my mortgage term correctly at " 259 Months '' instead of incorrectly at " 264 Months ''. Each credit agency advised that they reflect what is reported by Freedom Mortgage, I contacted Freedom Mortgage and they issued a letter dated XXXX XX/XX/2022 that states they are reporting it correctly at " 259 Months ''. After disputing with XXXX, XXXX and XXXX while providing Freedom Mortgage 's letter of XXXX XX/XX/2022, it became clear that Freedom Mortgage was NOT reporting " 259 Months '' and was actually reporting " 264 Months ''. For XXXX, Freedom Mortgage incorrectly changed reporting from " 264 Months '' to " 22 Years. '' In Freedom Mortgage letter dated XXXX XX/XX/2022, they now contradict their XXXX XX/XX/2022 letter, still claiming to report accurately, but now reporting at " 22 Years ''. Freedom Mortgage states that the XXXX reporting guidelines dictate that mortgage terms should be in yearly values. 

In my letter of XXXX XX/XX/2022, I set forth all the rationale why my term should be reported correctly and accurate at " 259 Months '' and advised that if Freedom Mortgage can not correct this I will file this matter with the appropriate jurisdiction. 

Today, XXXX XX/XX/2022, I received a call from XXXX XXXX, Freedom Mortgage Escalation Specialist, who advised that Freedom Mortgage will not make any further changes and they stand by their XXXX XX/XX/2022 Freedom Mortgage Letter position.

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 2021-08-06
Company: EQUIFAX, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Nelnet, Inc.
State: IL
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:
This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor Information XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX This debt collector its appearing on my credit report I don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, 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 received a copy of my credit report and noticed that Equifax and XXXX are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent.

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, I received a letter confirming the intent of Rushmore LM to provide me with a repayment plan agreement. The first installment was a down payment of {$2000.00} due on XX/XX/19. ( Incidentally, I did make this payment as per terms. ) Nontheless, the mortgagor 's attorney and forwarded a Notice of Seizure to the Sheriff 's Office, mandating the sale of my primary residence, breaching our agreement. I was served on XX/XX/19.

I contacted the attorney and mortgagor, but a cancellation of this notice remains on-hand by the sheriff, who will not release this order. I request a full cancellation given that the foreclosure process was taken to additional steps while I was in agreement.

This began after I successfully completed a Trial Modification and was allowed to begin an initial payment plan. The plan offered ( in XX/XX/2019 ) included a Petition of Foreclosure and Sheriff fees at a time when nothing had been filed ( or was in the process of filing ) with the Court. I asked that these fees be re-evaluated given that these legal actions were not taken and fees had not been incurred. Rushmore continued to accept my regular full payment amounts, sent me another Trial Modification package to complete, and then proceeded to file the petition with 10 days of sending the Modification information. I was 101 days past due and making payments at that time. I have faxed my request for re-assessment, and even though I have proof of transmittal, the refuse to acknowledge my request.

The lender has repeatedly refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over XXXX days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2019-09-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding LLC representing XXXX XXXX XXXX XXXX. l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/19 amt {$760.00} XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation