BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : XXXX American Express Sir/Madam : I am writing to seek help to resolve a fraud claim that is equivalent to {$11000.00} which is a great amount of loss to me financially. On top of that, my credit rating is affected when my XXXX American Express account was closed.

I strongly feel that the handling of this case is very unfair to me based on the following : 1. I am not provided written proof of purchases or explanation as concrete basis of why my fraud claim was denied. The proof of purchases that should have been provided will show that I did not sign on the credit card charge slip of the expensive items purchased.

2. Without being provided this concrete evidence, I feel discriminated when after I exercised my rights to file a fraud claim, XXXX American Express closed my account, denied me credit and forwarded my account to collection department.

3. I have filed a previous fraud claim but in the letter ( see attached ) denying my fraud claim it is indicated that the decision was based on account history and notes and not on concrete proofs establishing the responsibility for the fraudulent purchases.

4. I feel it will be unfair for XXXX American Express to collect the above mentioned amount and any related finance charges because of failure to present the requirements of a thorough investigation.

5. I have been a loyal XXXX American Express credit card holder for a very long time and I am proud to claim that I am in good standing, always paying on time.

I will very much appreciate your help for a reconsideration to reverse the decision made and restore my account status.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY 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 2023-02-16
Company: CORELOGIC INC
State: KS
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/2022 I see a mortgage inquiry Credco that I XXXX XXXX did not authorized I would like to remove the inquiry if possible so it would not affect my credit profile for when I do decide to get a mortgage.

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 2021-06-30
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a secured credit card with discover. I got switch over to a regular credit card and was due back the money i put down on the secured card. I Have tried several times to get this resolved and nothing has happened. this has been going on since XX/XX/2021. I have perfect credit and never missed a payment. I need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Carrington Mortgage and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employer : State Of XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was recently laid off on XX/XX/2020 due to covid 19. Last XXXX I purchased a new car in which I placed XXXX down but the loan valuation was XXXX, I was paying close to XXXX/month. Since being laid off I have had to cut my expenses down to stay afloat. I called capitalone to inquire about their options to make payments during this time the following week after being laid off and their response was that I could only defer a payment for a month. If I decided to take this option they would also increase the interest that had to be paid towards the end of the loan period. The representative also documented my unemployment information during the call. This option was not ideal for me, as a result I have been paying below the monthly payment, roughly XXXX/month for the past two months, XXXX and XXXX. I have seen however that interest is still being applied to my account and the money that has not been paid month over month is also being accumulated. Capitalone is not providing much reprieve during this time. I did not feel comfortable providing my personal information like address and social security number etc and this is why it is not included in the complaint. I am located in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, AND ALSO XX/XX/2018 I HAVE REPORTED THIS INCORRECT INFORMATION TO THE CREDIT BUREAU ON ALL THE DAYS LISTED ABOVE AND EXPERIAN HAVE REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AFTER I HAVE SENT IN DOCUMENTS FROM LETTERS FROM US BANKRUPTCY COURT IN XXXX IL STATED THAT THEY DIDN'T VERIFY THE INCORRECT INFORMATION THAT THEY ARE REPORTING ON MY CREDIT FILE. THEY REFUSE TO GIVE ME A DIRECT REPOSE AFTER I HAVE PROVIDED THEM WITH NUMEROUS AMOUNTS OF DOCUMENTS. THIS INFORMATION IS HIDDERING ME FROM GETTING JOBS, LICENSES, AND CREDIT.THIS IS HIDDERING AND HAS BECAME A BURDEN ON MY LIFE. ACCORDING TO THE CONSUMER LAW 15 U.S CODE 1681B-PERMISSIBLE PURPOSES OF CONSUMER REPORT, 15 US CODE 1681C-1-IDENITY THEFT PREVENTION : FRAUD ALARTS AND ACTIVE DUTY ALARTS, ALSO15 U S CODE1681C-2-BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. THESE LAWS ALONG PROVES THAT XXXX IS VIOLATE MY RIGHTS AS A US CITIZEN AND CONSUMER. I HAVE SEND THEM OVER TWENTY DOCUMENTS IN THE PASS FIVE YEARS.THEY HAVE REFUSE TO MAKE ANY CHANGES.

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 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have several accounts with Bank of America, I have a business account that I have not used for the last 2 years and due to the amounts I have in my personal and business, I was told I would not be charged a monthly fee. This has been untrue, bank XXXX XXXX, has been, charging me {$22.00} a month for the last 2 years and I want my fees back, since I have maintenance the amount in my personal and business accounts combined. Did not notice the fee coming out, because I do not use this account

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 2017-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reported to bank of america that I have a lot of charges from XXXX that sent from me because I have n't taken XXXX since XX/XX/XXXX and I sparingly take XXXX unless I 've been drinking and i rarely do that. I lost my phone XX/XX/XXXX and did n't have one until XX/XX/XXXX so I was forced to use my XXXX. The claims department on XXXX XXXX told me to reach out to the merchant and handle the issue first. I proceeded to have 300+ emails back an forth for 2 weeks. XXXX even telling me on XX/XX/XXXX that I would be refunded and XX/XX/XXXX still nothing and received a follow up email telling me to dispute the charges through my bank. So on XXXXXX/XX/XXXX finally filed the claim. On XX/XX/XXXX my claim is denied and told if I wanted to reopen my claim i would need to submit supporting documents. I asked why was n't I asked this before you closed my claim. They specifically state if they needed any information they would ask. So on XX/XX/XXXX they denied my claim and on XX/XX/XXXX I submitted 11 pages of documents supporting my claim. They officially reopened my claim on XX/XX/XXXX. Meanwhile I am sleeping in my car waiting for them to provide provisional credit because I 'm broke and have no money. They put in a hardship review XX/XX/XXXX. I repeatedly called they told me they did n't have to provide provisional credit because the claim was denied. I questioned why Was my claim denied without first requesting evidence like I was told they would. XX/XX/XXXX they denied my claim again. They stated I logged in to my online banking from a mobile device which was my XXXX but did n't give me any more info. I reported these charges promptly and was told to contact merchant. There were 15-20 XXXX charges A day. There were over a 1000 dollars in a 10 day span of XXXX charges. They did n't even bother to file my XXXX claim. They completely just disregard my claims when I have provided supporting evidence of not only receipt of stolen device but also my attempts to reach out to merchant 300+ times.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: GOLDMAN SACHS BANK USA
State: MI
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 XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Fay Servicing, LLC
State: ND
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was remodified through Hardship claim with originator of loan, XXXX XXXX and finalized in XXXX. Loan was moved to XXXX XXXX XXXX by XX/XX/XXXX and then moved again to XXXX  XXXX XXXX in XX/XX/XXXX. Escalating payments noted in XXXX due to finalizing transition period from company to company. Contacted Fay in XXXX inquiring about a $ XXXXmonth increase per the customer service representative there was no monies in the escrow account when Fay accepted this account from XXXX XXXX so the current financial amount owed was due to lacking the escrow for property taxes and upcoming insurance. Owner of property reviewed all records and sent a registered letter that included documentation to XXXX   XXXX  outlining the transfer amount of escrow from each lender and the overpayment amount to the current mortgage account now held by XXXX  XXXX. This was sent on XX/XX/XXXX. Owner of property requested a audit of the mortgage account due to the concern of misplaced monies of greater than {$1600.00} from escrow and an overpayment to the mortgage account of greater than {$270.00} however a mortgage deficient continues to be reflected through statements. A request for the investigation conclusion of 10 business days was given and it is now greater than 20 days and no contact by Fay except a new mortgage statement of another owed {$600.00}. Original principle of loan and interest combined is less than {$200.00} on a fixed 30 year rate. Currently the mortgage has $ 400+ going towards " escrow '' monthly and this amount continues to grow without cause. Owner retains copies of the letter and documents sent to Fay for her records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT 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 2019-02-22
Company: Navient Solutions, LLC.
State: CA
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 noticed that my XXXX payment had not posted to my checking account, and called Navient. I have been on a payment plan for a while, and it was time to review my financial statement. I was proposed an increase of over 15 % on my monthly payment, I asked to speak to a supervisor as I am struggling to make payments as it is. I was denied an option for a lower payment - my monthly payment was increasing from XXXX {$540.00} to XXXX {$630.00}. 

This incident prompted me to research a little further to see how much I had already paid on my student loans, and what I found out was mind blowing : I have borrowed from Sallie Mae a total of {$86000.00}, already paid {$50000.00}, but still owe {$96000.00}. 

Loan 1 - {$24000.00} on XX/XX/XXXX, Loan 2 - {$30000.00}, on XX/XX/XXXX, and Loan 3 - {$31000.00}, on XX/XX/XXXX. 

I would like to know what are my options, as this looks like predatory lending. Any help would be greatly appreciated. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was issued my disability funds to my Bank of America edd card shortly after I had to fly to XXXX to take care of my ill mother who ultimately ended up passing. During that time I was mailed a notice motorizing me that my pin had been changed to my surprise when I returned home almost all of my funds had been withdrawn and there was a pin I have never used before. I reported it to the bank who said they would investigate they claim that I am the person on the camera which is impossible I have made a police report have proof of my time out of the state

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 2020-11-23
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have the exact date but know it was between XX/XX/2020 to XX/XX/2020. I recvd a call from FCS located on XXXX XXXX in XXXX XXXX, Ar. ( I know because I am their XXXX  XXXX  ) I refused to verify any of my info the rep asked for due to the fact, i know their telephone number and specifically because twice, the Rep said I am calling from XXXX, NOT FCS but XXXX  twice! This from the get go is extremely deceiving! To me it seemed the rep either covered the speaker or muted the call at the part of S of FCS on purpose!!!! Not one but twice! I am assuming that she knew me or of me XXXX   XXXX  and dis not want me to know it was FCS XXXX XXXX XXXX!!! This company records down to your XXXX XXXX numbers so I am certain they have this call recording!!! I do not want these folks contacting me!!! If they need something they can just sue me and I will deal directly with the court system! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i recently obtain my 3 credit reports and noticed accounts i did not authorize midland continues to contact me about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion. I sent my disputes certified mail. None of this companies has responded.

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 2020-07-22
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company continues to report to the credit bureaus that payments are 30 days late every month. Payment was made late in XX/XX/2019 and instead of reporting the month it was late they instead continue to report XXXX and every month since as being 30 days late which is not correct. I have submitted a dispute with the company as well as a good will request and was denied changes to my credit reports. The company is instead asking me to pay about 2.5 months and claims this will correct things and have me current. I am at the end of this loan, I owe approximately {$3500.00} and they're asking for basically half of that instead of reporting accurate information.

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 2018-07-21
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
still, am receiving from DITECH FINANCIAL LLC that I have to pay for this debt collection when this debt already was pay off 12 years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Personal information incorrect

Complaint:
Theres incorrect personal information on my credit report. Ive tried to resolve this issue by phone multiple times and the incorrect personal information still is reporting to my credit report.

Company response to consumer: Closed with explanation