BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

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 2018-10-01
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: Account status incorrect

Complaint:
I have a charge-off on my report that had been showing a late-payment from XX/XX/2016 ( making the 'Time Since Negative ' 2 years and some odd amount of months ). I paid the charge-off in full XX/XX/XXXX of this year. When I checked my credit report for Experian, it now shows a 'Time Since Negative ' of 1 month. I am not sure how that is possible given that prior to paying it in full ( mind you, I had made a previous payment on the account the month before and that didn't change it ), it listed a much longer 'Time Since Negative ' and that was correct. That shouldn't have been changed to 1 month for paying the past-due in full ( it is even reporting as 'Failed to Pay ' for the month of XX/XX/XXXX, even though I paid in full on the XX/XX/XXXX ). So, either Experian is reporting it incorrectly or XXXX XXXX XXXX is.

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 2018-10-19
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank continues to have an advertised promotion as available here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. Capital one says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I attempted to login into my account, I was locked out. My password was changed. I called Bluebird and was informed to change password and sent a new card. Only to discover my account was wiped out of {$2300.00}. The money was sent to some person I have never heard. They stated they would have to investigate. Fine, after the investigation they denied and insisted I must have completed this transaction which is completely not true. On XX/XX/XXXX I called back for answers, When asked, the fraud supervisor what steps were used to investigate he stated he does not know. When ask which information or documents were used he stated he did not know. I don't believe they truly investigated. They would know I did not do this they didn't even know where the money was picked up or sent. They never checked the location where the transaction was completed when logged in, or try to find out anything about the person who's name the money was sent to. I have never even heard of this person. The money transfer service stated the store was located in New York I don't know anyone in New York. They are basically trying to tell me Im just out of my money how is this even right?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Prosper Marketplace, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Emailed XXXX early on Friday XX/XX/XXXX to ask for forbearance plan or skip a pay fee waiver or any other program for those affected by covid-19 like myself since I had a payment that would be auto-debited on XX/XX/XXXX. I did not get any response at all. Monday XX/XX/XXXX I emailed again. Early the next morning the payment was debited. I think institutions are supposed to be working with affected customers at this point which would at least involve SOME communication. Answering an email request for an online lender seems pretty reasonable of an expectation to me within 4 calendar days. Now I'll get an overdraft fee from my other bank too which is only their fault to the extent they didn't answer my email like it says they will within 2 business 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 2018-04-04
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: Their investigation did not fix an error on your report

Complaint:
CRA VIOLATION / INACCURATE LATE PAYMENT APPEARED ON MY TRANSUNION CREDIT REPORT.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

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 2018-10-01
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been dealing with Naviant for many years. I have jumped through hoops time and time again. The last was the release of my co -signers. I did what they wanted and they still won't take them off. My loan has doubled in interest and I am paying them XXXX dollars a month and only XXXX goes to the loan. I was on a repayment plan and I was never told that it would expire. I was in the hospital getting a transplant at that time so i never thought about it. I am on XXXX and was lead wrong about that as well. It is sad that there are companies like this. I have been deceived by this company for many years. That is why i have more in intrested than the original loan. All i wanted was the release of my co-signers. I can not justify paying a loan that will never get paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-22
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats

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 2019-10-24
Company: CITIBANK, N.A.
State: MA
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:
Citibank # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, 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 2023-01-09
Company: American First Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I disputed the account with American First Finance. As I looked over the documents I noticed that I was never provided the legal disclosures such as the Truth in Lending disclosures and others. By law, American First Finance is required to provide that to me. I am now requesting this account be deleted from my credit reports due to the many violations of the FCRA, Truth In Lending Act and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have owned my home for about 10 years now and I have paid many designated principle only payments above my required monthly payments. On XX/XX/XXXX I reached out to my mortgage company and requested that they send me an updated amortization schedule so that I could see how much my extra principle payments have effected the repayment of my loan. On XX/XX/XXXX They sent me back a letter stating that they are unable to provide this information. I then called the servicing company on a recorded call and requested if they could at least provide me with an updated final payment date that factored in the additional principle payments they have received. They responded by saying that this also could not be provided. I'm making these extra principle payments to shorten the life of this 30 year mortgage, but if the mortgage Servicer can not tell me how my extra payments are affecting the life of my mortgage, than I'm concerned that they aren't even applying the payments properly. I'm afraid of them over collecting and cheating me of my extra payments in the end. I don't want to wait 20 years to find out. I should be entitled to knowing how my payments are affecting the length of mortgage term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LENDMARK financial took my husband and I to court in XXXX for a XXXX loan that was a late paid {$5000.00} loan. We went to XXXX XXXX. XXXX XXXX and met with LENDMARKs lawyer. We made a payment arrangement and paid off the loan in XXXX. However almost immediately there after with no notice of filing intent, or notice of new court date LENDMARK filed a lien against our house that we never knew about. I even spoke with the LENDMARK lawyer XXXX XXXX when we made the last payment in XX/XX/XXXX and he told me we were good. My husband died suddenly in XXXX I had to sell my house in XXXX the closing is XX/XX/XXXX and Monday XX/XX/XXXX the title company called to tell me that LENDMARK has 2 liens against my house for over {$7000.00}. I called LENDMARK to get an explanation and after being shuffled through 3 differant offices I called head office at XXXX I tried to get an explanation of the liens for a paid off debt but the woman ( who refused to give her name ) had no interest in helping me telling me " I don't have time to discuss your payments you have an outstanding balance if {$3800.00}. '' Clearly a completely different figure than the secret lien amount. I asked to speak to Mr XXXX XXXX but he was " not available ''. I asked for a LENDMARK attorney to call me back. That was Tuesday XXXX XXXX at XXXX Wednesday still mo call. My closing on the house is XX/XX/XXXX between XXXX and Covid 19 It could take me weeks to get copies 7 year old checks from my bank. LENDMARK is trying to rob me by using secrecy and time constraints to box me into paying them over {$7000.00} I do not owe or losing the buyer of my house. Life as a recent widow is hard enough without criminal lawyers coming after your life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I simply want to report that if you try to contact Experian by phone, ( XXXX ). They initially ask you to enter your Social Security number by automated service. When you attempt to do so by entering it on your phone, they respond, " I'm sorry, I didn't get that ''. If you repeat, you get the same response. I called back and verbally gave my SS # and they took it, but when they asked the second question, I got the same response and the call ends. I actually tried one more time. This time they took my verbal SS #, but when I tried to answer their second question, they gave the same " didn't get that '' response and ended the call.

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 2020-07-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father passed XX/XX/2019. He and the woman he lived with are on the loan. Court records indicate that the woman signed the deed over to my father. The woman was also incarcerated and is now in a care center. She has a guardian ad litem and a lawyer ad litem who have not communicated fairly with me. I was unaware of the status of the home. The mortgage company, Quicken loans, aka rocket mortgage, after several attempts of sending in documentation they asked for havent worked with me. This has been going on for over a year. Meanwhile the loan continues to fall in dept. The house, my XXXX house, my home is now facing foreclosure. I have the ability to pay the monthly mortgage and have been paying the utilities since my father passed. Please help me save my fathers house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: STERLING JEWELERS, INC.
State: MA
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:
This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation