BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
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:
I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate 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 explanation
Consumer complaint received 2017-07-10
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to 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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: FIRST NATIONAL BANK OF OMAHA
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:
Applied for Credit and Found an account with FNB Omaha that does n't belong to me ... .contacted FNB of Omaha and the say that they do n't have a credit card account with my name or social security number or birthday. File complain with XXXX and they came back and said that FNB of Omaha said account was correct. 
I call back to FNB of Omaha again and the same result that they have nothing in my name but continue to report on my credit 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 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I got my XXXX credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called bank of America, after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from b of a that says to call the credit bureaus! B of a reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate 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 2017-07-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Prestige Financial Services Administration will not provide me a financial hardship assistance as my Dad passed away recently and need funeral expenses as he didn't have life insurance. 

I respectfully request Prestige to provide me a deferment and extension and Prestige Rep.Mr.XXXX XXXX stated that company can not extend my XXXX XXXX payments until XXXX XXXX. 
So l can make a total payment of {$840.00} on XXXX. 
Prestige stated by email that a 30 days late payment will be reported to XXXX, XXXX and XXXX credit report agencies to damage my credit as they have done already I am respectfully a requesting and not demanding I have filed many Federal government complaints against Prestige Financial Services. 
I will ask President Trump and Congress to support me on Prestige issues. 
I am respectfully XXXX XXXX, Retired and a US XXXX XXXX Military Veteran. 
Prestige makes billions of dollars and they can not support our Military Veterans and all Citizens in the Community on family death emergencies? 
As far extending payments. 
Now, Prestige will destroy my credit by reporting 30 days late to credit bureaus. 
Urgent matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: CITIBANK, N.A.
State: ND
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:
On XX/XX/XXXX XXXX ran a fraudulent inquiry on my credit report. Over time I found out it wasnt even my application and they made an error and clicked my name on XXXX. I have tried countless times to resolve this matter with both XXXX   and XXXX. I have gotten letters from both sides that they have deleted the account but what both companies need to realize is that it is an inquiry that needs to be removed. XXXX MUST SENT AN DELETE INQUIRY LETTER TO XXXX  BECAUSE THE CREDIT BUREAU IS NOT UNDERSTANDING THE SITUATION AND HOW MUCH DANGER THEY HAVE PUT ME IN. XXXX is now merging my report with my father who I have a protective order against. 

THIS WHOLE MESS STARTED BECAUSE THESE XXXX COMPANIES ARE NOT UNDERSTANDING THE URGENCY OF THIS MATTER. I NOW HAVE TO RELOCATE BECAUSE OF THIS PROBLEM

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 2017-11-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.

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 2017-11-14
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, 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 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American express business made an unauthorized hard inquiry on my personal credit report. Additionally, to add insult to injury they denied me credit based on fraudulent and libelous information by way of reports that have not been verified, validated, and/or are outdated. They also took access of my personal information and forward it to a third party company. Please instruct XXXXn to immediately removed all unverified reporting information and have Amex correct any and all decisions made based on those unlawful reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, XXXX/Synchrony Bank improperly installed defective alleged water-resistant laminate flooring in three rooms of my home. Immediately after installation I noticed raised areas on the newly installed flooring which were very noticeable and unacceptable. I notified XXXX immediately via their Chat feature on their website. At this point I re-thought the my initial observations of the raised and warped areas on the new flooring. I had applied blue painters tape on top of all areas which appeared to be non-congruent with the rest of the flooring ; ie : the raised areas. As the days and weeks passed, I observed the slightly raised areas increasing in size in all directions. I noticed the areas where the boards were butted up against each other were becoming more pronounced and noticeable. By XX/XX/XXXX the raised and warped areas of the flooring had grown to a stage that I could no longer dismiss them so I contacted XXXX and explained the situation to them. XXXX sent an inspector out to look at the flooring in my home on XX/XX/XXXX. I believe his name was XXXX. XXXX agreed with me that the flooring looked warped and damaged and improperly installed in some areas. XXXX told me that rectifying these problems can take up to a year or more. I contacted the finance company, Synchrony Bank and advised them that there was a large problem with the flooring. All of the flooring. I told them that there was no part of the flooring that was any longer acceptable and that I was not going to pay one more penny for the flooring until the matter was resolved. I also told them that I wanted to have the entire flooring removed from my home and all of my money returned to me. XXXX advised me that I would still be charged interested and be obligated to pay for any portion of the flooring that was not in dispute. I explained to XXXX that the ENTIRE floor was in dispute and that no further payment would be made on the account and that, in fact, I wanted any money that I had already paid for the flooring returned to me in full. On XX/XX/XXXX, I received a phone call from a debt collector, XXXX XXXX, regarding this account. XXXX from XXXX conveyed to me that Synchrony Bank had turned my account over to a debt collection agency, therefore damaging my credit. Additionally, XXXX began charging late fees and ongoing interest against my account without my knowledge or permission and against our verbal and written agreement once the problem was discovered. They continue to take collection measures against me

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 2019-11-04
Company: EQUIFAX, 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:
inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX PL, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX D XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CO # XXXX WISCONSIN XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own.

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 2017-07-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a problem with Navient Student Loans. I applied for and received a XXXX XXXX XXXX discharge with XXXX, as per the rules of the Department of Education. <P/>Navient continues to show on my credit report as open, and when I call them the give me the story that my loans are still under review. They will not answer as to when they are going to transfer my loans to XXXX for discharge, and continue to accrue interest which shows up on my credit report lowering my credit score. <P/>My XXXX was discharged on XXXX/XXXX/2017, I have contacted them previously about this issue, and was told it would be resolved by the end of the month, that was in XXXX 2017. <P/>I contacted them on XXXX/XXXX/2017 about this issue and they continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.

Company response to consumer: Closed with explanation