BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Credit Karma, LLC
State: MO
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:
XXXX XXXX XXXX XXXX in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER Late Payment XX/XX/XXXX SANTANDER BANK NA Late Payment XX/XX/XXXX upto XX/XX/XXXX in XXXX Only XXXX XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, 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 information incorrect

Complaint:
My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have multiple credit cards with Capital One. This is the second incident I've had with them concerning them putting a block on my card due to their poor security measures. One of my current cards is set up with merchants to pay recurring installments on purchases. Last week I noticed a payment had not been withdrawn from the card. I contacted the merchant and tried to make the payment with the card manually, but to no avail. I contacted Capital One and was informed that they noticed an unauthorized attempt to debit the card a week earlier. They proactively put a block on the card without informing me of any of this information. They rendered the card useless without telling me. The agent I spoke with kept referring to the " small block '' they placed on my card and now it would need to be replaced since the card was canceled unbeknownst to me. This is not the first incident I have had like this. Another card I had with them had to be replaced due to their poor security and lackluster fraud control. In that instance, I received a replacement card and did not activate it, yet another charge was placed on it. The card was replaced again. Again I didn't activate it and another charge was still placed on it. I finally canceled the card account and experienced a derogatory drop in my credit score. Capital One keeps telling me that Mastercard allows the charges even though a different card number is issued if the account is a subscription ( in the first incident someone had opened a XXXX account using my card number ). XXXX was way more helpful in getting the situation resolved than Capital One. Capital One takes absolute zero responsibility for any of these incidents and practically blamed me for possibly giving my card number to an unauthorized user. Now I will need to cancel this current card account to avoid this happening again. My credit score will be negatively impacted again and I will lose another credit source that I have earned and have an exceptional payment history with. To Capital One this is " business as usual '' and a " small block ''. I am contemplating legal action against them and want them to be punished to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I hope who ever is reading this is having a great day, I reached out to Discover back in XXXX concerning this account letting them know my ex wife had opened this account without me knowing and ran up charges. They never contacted me back concerning this account so I was unaware of my payment due date. I didn't file a police report because I didn't want to see her get in trouble so I reached out to Discover to see what I could do to solve this issue. They never contacted me back and its been two month since I wrote their company disputing this account. This account is locked so I had no way of knowing how much the payments are or the due date. I recently been out of work due to the Corona Virus so its been hard financially. I reached out to Discover to let them know my situation and they said it was nothing they can do to help me I would have to dispute the late charges directly threw cfpb or Credit Bureau. I have never been late on no recent payments and this negative impact to my score has added to my stress during these hard times our country is facing. Can someone please help me with this situation. Thanks have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Advanced Resolution Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter dated XXXX, I sent in a request for my Consumer Report. I received an email on XX/XX/2021 to resend in the information. I have submitted my request along with my identification several times and to date I still have not received my report ( See attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I missed a payment on my Synchrony Bank issued Walmart card because of my monthly payments were delayed from Hud because of the Government shutdown. The company used this to close my Lowes account even though I have never missed any payments on that account. This unfairly affects my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
My credit report shows a 30 day late mark for XX/XX/XXXX from Bloomingdales Store Credit Card. The bill was due XX/XX/XXXX for {$1500.00} with minimum payment of {$120.00}. 
I attempted to make a minimum payment before due date online, however the website kept malfunctioning, and as it turns out did not process my payment. I was only made aware of the issue when credit card representative called and notified me that my bill was pass due, at which time I made a payment of {$500.00} on XX/XX/XXXX. For several months after the issue kept reappearing with Bloomingdales payment processing website and I had to make payments in person at Bloomingdales store or call in to make sure payments went through before due date. 
I have been a good customer since XX/XX/XXXX, a black card holder with this store, and have always payed on time. 
I have attempted to resolve the issue with the credit card company however the issue has been in dispute since XX/XX/XXXX without resolution.

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 2017-11-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since, the time that I opened this account, I made a selection through the online portal for my account, requesting that my payment allocation should apply as follows : payments applied to the minimum due and anything beyond that applied to purchases made on the regular/revolving purchases. However, it seems that this has not happened, as most recently, a payment of {$360.00} made on XX/XX/2021, had {$260.00} applied against a deferred interest purchase.

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 2018-03-21
Company: CARS Acquisition, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid {$700.00} down with 15 {$220.00} payments. We paid two payments directly to XXXX and in XX/XX/XXXX XXXX sold the contract to XXXX XXXX. We made three payments directly to XXXX XXXX. The payments are sent in the form of a check directly from our bank and the bank has verified the checks to XXXX were received and cashed by XXXX. As of today, the two payments we made to XXXX have yet to show up causing our credit to spiral downwards because its showing 60-89 days past due. Have spoken with both companies and they tell us to get with the other one to get it fixed. Meanwhile, late fees are accruing and no one wants to do anything about it. Help please because the arbitration agreement wants us ( the consumer ) to pay for all arbitration fees and on XXXX thats literally impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, a heating and air conditioning company named XXXX XXXX XXXX XXXX located in XXXX, TX, refunded {$70.00} to my credit card at my request. I did not receive an invoice or any communication from XXXX XXXX regarding an amount due. On XX/XX/XXXX, eleven days later, I received collection notice for {$70.00} from Transworld Systems , Inc. 
On Monday, XX/XX/XXXX, I spoke with the accounting department of XXXX XXXX. The person I spoke with, XXXX, indicated to me that the bill was in error and erroneously stated that XXXX XXXX handles collections in-house. When I asked for a written statement showing that our account had a XXXX balance, XXXX offered to send me an email. 

I requested that I also receive a written statement that no debt is owed from Transworld Systems, since they are a separate company based in Pennsylvania. At first, XXXX claimed again that XXXX XXXX collects debt in-house, but then stated that Transworld was indeed a separate company and that contacting them would be my responsibility. I requested that XXXX XXXX reach out to Transworld and request a {$0.00} invoice for me since they were in error. I also requested to speak with a manager at that time. 

As of close of business Wednesday. XX/XX/XXXX, I have not heard from anyone or received anything from XXXX XXXX or Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX XXXXXXXX XXXX Company sent me my escrow statement where the taxes were XXXX to much. Therefore raising my mortgage payment from {$2400.00} to {$3600.00}. I called them emailed them proof of the tax record showing there mistake. They said it would be fixed by mid XXXX. It is still not fixed now in mid XXXX. I sent them XXXX payment for {$2400.00}. They responded to me with a letter saying it was a short payment and they will not accept another short payment again. When I call them one department says its fixed while other department says I still owe them {$3600.00} a month. So I went to the Housing council of to see if they could help. While there we called again. Now they say my mortgage is XXXX a month which is still {$600.00} to much. Now were going to be behind XX/XX/XXXX 4 mortgage payments because they won't accept short payments and they still have not adjusted our mortgage to the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Background : My wife and I filed for chapter XXXX bankruptcy in XXXX. Meeting of creditors was XX/XX/XXXX. In XXXX of XXXX, we petitioned to convert to a XXXX due to income changes. We converted back to a XXXX in XX/XX/XXXX after my income went up due to a new job. It should also be noted that I have an auto loan through XXXX that is paid outside of the Plan and all payments have been on time ( as accurately reported on the credit report by XXXX ) Issue : I had an unsecured credit line with XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX XXXX ) included in the bankruptcy. Starting in XXXX of XXXX ( after the XXXX meeting concluded ) XXXX began reporting the account as late/delinquent, though they were receiving distributions from the trustee and my payments were all on time. Additionally, the account is reporting 'open ', instead of 'included in bankruptcy '. I filed disputes with all 3 credit bureaus, twice, disputing both the delinquent payments and account status. XXXX has refused to make any changes. None of the other creditors included in the bankruptcy are reporting the accounts as past due or open. 

The new job I started in XX/XX/XXXX requires that I relocate. I am applying for a mortgage loan ( provided I meet all the criteria and am approved by the bankruptcy judge ). The incorrect reporting filed by XXXX is harming me by lowering my credit score hindering my ability to obtain approval for an FHA mortgage I otherwise should qualify for.

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 2018-08-02
Company: Experian Information Solutions Inc.
State: AL
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:
Fraudulent account by name of 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 2021-05-06
Company: EQUIFAX, INC.
State: IA
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 still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Hillcrest Davidson & Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: OH
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 disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at Experian and she disconnected the call very unprofessional.

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 2021-01-20
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern. Upon viewing a recent credit report with TransUnion I noticed they have inaccurately placed a Bankruptcy on my report. I disputed this immediately as its inaccurate and not fair. I called the court phone number that is listed on the report and was told the bankruptcy belongs to another person with the same name as mine! The clerk said she couldnt remove it from TransUnions database but also, that the court doesnt supply information to TransUnion as well. I was at a lack of words to find out TransUnion is lying to consumers and not actually verifying things, and putting inaccurate information on reports from other sources and not actually verifying items from the authentic source.

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