BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: CITIZENS FINANCIAL GROUP, 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:
This is corresponding to the Case XXXX with Franklin American Mortgage Company. As Franklin American Mortgage Company representative explained, The payment was submitted but just in 2 half payment every two weeks, since when I signed for the mortgage, and was advised to make 2 payments, half of every two weeks to reduce the interest and that is exact what I do as I was told to do. The I received the phone called from Franklin American Mortgage Company reps, the payment was made in full. I believed my credit and my wife credit should be corrected. Perhalp, this is not a late payment, but your computer was turned down my payment and called it a late instead. 

I believed Franklin American Mortgage Company was using a credit reporting power to demolish a good credit individual such as me and my wife. 

Consumer Financial Protection Bureau, please jump in and help since this is an abusing power to trash our good credit. PLEASE HELP IN GETTING MY OUR GOOD CREDIT BACK. and please if this is a single individual abusing the company 's power, this individual not need to be working anymore, since this is a loving country. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Regarding a Walmart Credit Card XX/XX/XXXX - Purchase food in XXXX, Ca. store using Walmart credit card. 
This is the final purchase made by me or any authorized using Walmart credit online or instore. 
XX/XX/XXXX Received letter from Walmart instructing that account would henceforth be administered by Capital One. New card to be forwarded Received standard billing in mail for account ending. Balance XXXX due. Amount agreed to. 
XX/XX/XXXX billing with new credit card number listing fraudulent purchases. Contacted Walmart to advise never received new credit card and to freeze account and investigate purchases. 
XX/XX/XXXX - Received letter from Capital One stating their investigation found insufficient evidence of fraud. Called them immediately to dispute again, please provide details to me regarding how purchases were made : online or in store, provide information why account was not freezed and additional purchases and cash advances were made.

XX/XX/XXXX received letter from Capital One Walmart advising error to be corrected and no additional action needed on my part. 
XX/XX/XXXX - Billing received. Acct. Balance XXXX XX/XX/XXXX - Letter received ( again ) from Capital One Walmart advising " rest assured errors corrected ... '' XX/XX/XXXX - Billing received showing Balance of XXXX To date, my account has never been reactivated by me, and no evidence of fraud provided by Capital One or Walmart to explain to me how my card was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Account information incorrect

Complaint:
I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro anything.

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 2020-05-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern. I am simply requesting my initial closing documents dating back to late XXXX on my single family residence purchase. I have observed strange occurrences, and I will need to take a deeper look into the matter. I unfortunately was a victim of predatory lending then, and have witnessed some unscrupulous activities and bank transactions. 

Secondly, I'd like to have copies of my Truth In Lending documents, as it is apparent that my loan did not reflect what was conveyed in the aforementioned. 

XXXX I kindly request all of the documents and/statementsor pertaining to the loan prior to and following both my first Modification in XXXX, and the second in XXXX. 

In addition to this, I would like to request all documents and correspondences sent from your office, including notes of our phone conversations. if possible from XXXX to XXXX. 

Another issue I'd like to bring to the forefront is my redundant closings within a very short period of time ; in which I expended upwards of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
this bank is ridiculous after their account protection has approved my application for credit with a store called XXXX card i called them because i have a fraud alert on my credit they asked me a few security queations then said congratulations you have been approved for XXXX and should receive your card in the mail i get the card in the mail welcome kit they sent me and i cant use the card im sick and tired of this banks practices i feel discrimainted this is not the first time they have done this to me its multiple times and they usually end up closing my accounts always after sending them documents lying and saying they cant verify my identity this is not nice or fair after approving me that they wont let me use my card why do they hate me so much i sent them the docuemnts now i hope they dont close my account without my knowledge this bank is horible with processing documents i sent them i hate them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF ED/XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX 2027

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 2020-05-23
Company: Experian Information Solutions Inc.
State: AZ
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 asked continuously for verification of debts. Experian continues to say that they " verified '' debts, but they have incorrect addresses for the creditors, incorrect amounts, etc. They never provided me with any verification whatsoever, and they have continuously violated my rights under the FCRA. If these accounts are not removed from my credit, it is a violation of my consumer rights, and I will have no other option than to file suit against them. I am including a copy of my driver 's license and a copy of a recent utility bill so that they can not refute that I am, indeed, the one filing this 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 explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.

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 2018-04-05
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 a Notice of Sale was posted by the HOA management company, on behalf of Seterus. I  just want to know if it is common for the loan servicing company to have the building management company post the sale notice. Also, the notice was placed on XX/XX/18 with a sale date of XX/XX/18. However, I understood the notice to say that the Notice has to be placed at least 20 days prior to the sale. Is this correct?

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from college in XXXX and in XXXX the school went under and lost their accreditation for doling out high interest rate loans. When the school lost accreditation, I worked with Navient to try and pay this off while clearly struggling with payments to no luck. Hoping someone can help me sort through this! I hate how they will offer absolutely no resolve and instead hot potato you to different departments. I'm so underwater with payments for a school that got punished for these loans, myself getting punished by these loans, and not one ounce of consequences for the loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Prosper Marketplace, 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: Information belongs to someone else

Complaint:
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

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 2020-07-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-08-09
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My American Express reward points ( Membership Rewards ) have been frozen for several months pending a " review '' by AMEX. 

I want AMEX to complete the review immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 


Whenever I contact AMEX about the issue, their agent say my Membership Rewards account is under review and it will take 6 to 8 weeks for the review to be completed. However the 6 to 8 weeks period has passed and I keep getting told by agents to wait more weeks with no explanation about the delay or a clear timeline. Agents seem to he unempowered to do anything about the issue and unable to put me into direct contact with the actual team doing the review. 

Again, the resolution I'm looking for is I want AMEX to complete the " review '' immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 

If the AMEX team reviewing my complaint is not empowered to directly resolve my issue, please escalate or transfer this complaint to the team responsible with completing the Membership Rewards account reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
So to begin, on XX/XX/2021. I initiated ( Sent ) a XXXX XXXX p2p ) payment of {$950.00} to a family member as a loan to help take care of some bills she had owed money on using my personal bank account at CAPITAL ONE. Usually when sending money from my bank to someone, it typically arrives to the receiver with in minutes, as it is something that I also often do without having to deal with any know issues. However, this time around not only did it take more than a few minutes to arrive to the recipient, it has also been a TOTAL OF 27! DAYS! Since Ive initiated this payment and the money have still not been received by my family member. We have both spoken to our banks about this issue, on her end she was told by her bank that they have authorized the payment to be released in her account but however, my personal bank CAPITAL ONE have refused to let go of the funds that I sent. Ive spoken on the phone with an agent from Capital One on exactly the date XX/XX/2021, I was told on the phone that since it was an XXXX payment the transfer was already made and they could not cancel it neither return the funds, but I was told that I can dispute the transaction which was I what I did and I was told the very same day via email that We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.. Almost a month later the recipient still hasnt received the payment of {$950.00} that was i sent and was told by their bank that they have seen the transfer transaction but has not received the money from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from 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 non-monetary relief
Consumer complaint received 2020-05-23
Company: SAMC Honebee TRS, LLC
State: MS
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:
On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief