BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2020-10-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my XXXX credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XX/XX/XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with Equifax and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Bank promoted XXXX XXXX XXXX miles when I open Citi Priority account. 
Received bank Debit card XX/XX/2019. My bank account is XXXX I sent {$750.00} debit card within 60 days and paid 2 bills every 2 months fro reward requirements.

So, I matched Citi requirements, I have chatted with online XX/XX/2019 and Representative XXXX said that my spending are matched and with till 90days, around end of XX/XX/2019. 
But I didn't receive AA XXXX miles yet. 

Regards,

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 2019-04-04
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request that RICHLAND BUREAU OF CREDIT # XXXXformally substantiate account data RICHLAND BUREAU OF CREDIT conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RICHLAND BUREAU OF CREDIT desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Ditech Financial LLC
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:
Ditech Mortgage has committed fraud by changing information on my account. After asking repeatedly to get an account detail list of my payments, the company that just purchased them send me a list. I discovered in XXXX Ditech claimed I refinanced a loan. There are no documents shown to prove this. Furthermore I would never attempt another loan with the company or refinance. In fact I've been paying down on my principal. 

Another situation is their reporting of late payments in XXXX and XXXX which is affecting my credit. I have tried to explain this many times and may have to resort to legal aid. There were a few times when I communicated with Ditech by phone. An employee of Ditech, XXXX approved of having my payments deferred. Three months later I was contacted by Ditech telling me this was not approved even though XXXX told me it was. I made up the payments slowly but there should not be a bad credit report because I acted in good faith and believed this was settled. 

Ditech Mortgage is in bankruptcy and another company has taken over but they can not answer for the past errors. Please help. I have a mobile home about to fall apart. I'm trying to buy a new home and will pay off my mortgage with the sale of my land. Everytime I look my credit keeps changing. It went up to XXXX now it's below XXXX and I've not made a late payment to anyone since early XXXX. I desperately need help!! 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card and Comenity did not follow Fair Credit Reporting Act. 

Did not contact applicant on phone number listed on fraud alert. 

I have capability to lock my credit with XXXX, remove freeze with XXXX  but nothing with XXXX  ( they charge a monthly fee for the service ). My file with XXXX  is unlocked I contacted Comenity and they were not able to address my concerned. 

They want me to apply in 30 days, having a few more inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax sent a letter dated XX/XX/2018 claiming " unable to locate a credit file '' Please confirm ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EMCC Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX. XXXX is the new managing agent as of XX/XX/18. I have called over 3+ times to inform US BANK of the change in addition to faxing, and writing a formal letter with a management agreement attached signed by the president of the board for this building. This is a co-op in NYC-it is a residential building which operates as corporation comprised of a board ( with board members that are elected annually ) we are the new management company and we handle all the affairs/operation of this corporation/building. The mortgage company refuses to forward the statements to our office. They refuse to grant us online access to review the information online. Although they are gladly accepting payments from us and applying them accordingly to the account. The building reserves the legal right to receive a statement. The loan in itself is almost maturing but the board is unable to view any statements since they have switched management companies. Another conflicting issue is that some way the previous management company ( which managed the building less than 1 year ) was able to receive statements/mailings from US BANK.

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 2020-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 my line of credit acct was closed and I got no notice from the bank I contacted them on several occasions from that date until present and response was they would contact me which they didnt was charged late fees and finance charges and I have been paying what I can due to covid-19 and they still charging me I have talked to several representatives and no luck with them they say this and that but they still closed my acct after I paid payments of {$86.00}, and {$210.00} within the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

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 2019-04-04
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2019 at XXXX - XXXX XXXX XXXX from Gordon , Aylworth & Tami , P.C . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: BARCLAYS BANK DELAWARE
State: OR
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: Overcharged for something you did purchase with the card

Complaint:
Hello, I've opened this complaint in regards to a dispute on my Barclays XXXX credit card that was not resolved. To provide a brief summary, I purchased airfare for XXXX XXXX through a 3rd party, XXXX XXXX, on the date of XX/XX/XXXX. This was for a one way XXXX-XXXX flight on XXXX XXXX, departing XX/XX/XXXX. I used a combination of XXXX Points and cash, with the remainder charged to my XXXX credit card. I have attached this evidence along with my confirmation from XXXX, showing I paid/booked the airfare through XXXX XXXX. Since I was not able to select a seat during this third-party booking, I used the confirmation number provided by XXXX XXXX to import this trip into my XXXX XXXX account. I then selected a 'Big Front Seat ' in the amount of {$40.00} ( having already purchased the airfare through XXXX XXXX ) and provided my Barclays XXXX credit card to XXXX  for the {$40.00} seat charge. 

I never received a confirmation screen or email from XXXX  for the seat selection, and I was incorrectly charged {$180.00}, rather than {$40.00} for the Big Front Seat. Essentially, I was charged a second time for the airfare that I already purchased through XXXX XXXX. I did not book this airfare through XXXX, and there is no reason for XXXX  to charge me for the {$140.00} additional airfare amount. I spent a considerable amount of time with customer service reps from both XXXX ( both phone/email ) and XXXX XXXX, who pointed me in each others direction in trying to resolve this. Neither would take any responsibility for trying to help fix my problem. 

I have attached a lot of documentation including the confirmation I received from XXXX XXXX for the airfare, and emails from XXXX XXXX where they admitted that I had booked the airfare through a third party and not directly through XXXX. Ive also attached credit card statements with the XXXX and XXXX XXXX charges. My complaint is with Barclays, and also XXXX  since they charged me for the airfare a second time ( onto my Barclays credit card ). I realize this case is slightly complicated, but I have pursued every other avenue I could think of before filing my CFPB complaint. I opened up an official credit card dispute with Barclays, and was told to mail my documents in to support my dispute. I mailed them in and eventually Barclays denied it saying I failed to provide proper documentation. I do not agree, because I provided proof that I was charged twice for the airfare I purchased through XXXX XXXX. Feel free to contact me if you need additional information or documentation for my complaint.

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 monetary relief
Consumer complaint received 2018-02-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax and XXXX has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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 XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.

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 2020-05-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive been a customer for over 5 years never had an issue. This card was secured with my own money and lost some time ago. At the time of loss there were 2-3 unrecognized charges the reps advised they would apply a credit of the secured balance to the account and I was not responsible for the amount being dispute which was minimal. I was advised to make a payment for the difference which was done and then the remaining XXXX  out. 

In late XX/XX/2019 I was advised this account was XXXX  out and is cancelled so nothing further is required. I have never been late and I have contacted the company on numerous occasions advising of my continued dispute. They are still pursuing this and attempted to collected twice as much that was even due at the time of this previously dispute. 

Filed an executive complaint at which time the rep advised no payment was due during the dispute process as that was exactly what was being disputed and they stated this would be handled internally. XXXX and XXXX should have been covered by Covid 19 disaster assistance according to their reps. They applied for XXXX and then again towards XXXX as they could only do one month at a time. Then on XX/XX/XXXX they contacted stating payment was due despite multiple conversations of the contrary Since they continuously act maliciously and have improper billing practices I just paid the entire balance in full to be done with them completely which again which was double what was ever showing on here then they said it was extended for XXXX and XXXX only to report past due on credit reports. Given the exceptional payment history on the account in terms of on time payments the continued efforts to resolve I will be seeking legal if this is not fixed on my credit profile and a portion of not all of the balance is returned to me People do not pay on time for 6 years then make efforts to communicate and set arrangements for covid 19 still being engaged even despite absolute disagreement only to be XXXX  over.

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 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation