BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: WA
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:
Experian should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-03-30
Company: Experian Information Solutions 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:
Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.

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 2022-08-25
Company: Early Warning 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:
Hello, this is a follow up with the prior complaints of Early Warning Services refusing to remove negative information that I am liable for, after submitting a police report they refuse to accept. Hers an additionally copy of the police report of the Id theft and an FTC report for identity theft. XXXX is refusing to remove this information and its crippling me, they are trolling me, refusing to accept legit literal documents, I will have no choice but to sue if I cant get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Payment due XX/XX/XXXX. Have been unemployed since XX/XX/XXXX. Have made payments since losing my job but simply dont have the funds. Tried to reschedule payment for a later date with a late fee attached but am being forced to enroll in forebearance or be reported to a collection agency for 1 LATE PAYMENT. Have been making payments through auto-pay for past 6yrs on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Early Warning Services, LLC
State: NV
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 is incorrect

Complaint:
I have tried to dispute inaccurate information listed on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX There are multiple incomplete and inaccurate information listed on my account. I have called both banks they have listed XXXX XXXX XXXX and XXXX XXXX XXXX. They have told me the issue is with XXXX XXXX XXXX and how they are reporting. I do not have any outstanding balances with either banks and have been told by the banks that the account reason being closed that was sent to Early Warning was closed which does not convey a negative situation. XXXX XXXX XXXX give me the run around telling me to call the banks and this is the information the banks give me telling me to call Early Warning because they are putting information that is incorrect, incomplete and deragatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a vehicle that was charged off on or around XXXX of XXXX by GMAC. This debt was sold or obtained to Ally Bank at some point. They are stating that the debt was last past due on XXXX of XXXX which is almost 4 years after the occurrence. I have reached out to them several times and seem to not see the error. Re-aging of consumer debt is a crime and is negatively affecting my credit.

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 2020-11-03
Company: LendingUSA
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2020 i sent the company a certified debt validation letter. It was received and signed for on XXXX XXXX, 2020. As of XX/XX/2020 i have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX is on my credit report. I never authorized this hard inquiry. They will not help get this matter resolved and I did not submit an application for credit. They told me they would send this to fraud. They transferred me to many departments and did not know how to resolve this matter. XXXX suggested I complete a police report.

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 2021-03-30
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to reach the lender so that I can ask for mortgage assistance. My counselor XXXX XXXX also reached out to them and submitted the loss mitigation packet. They have not returned, emailed or advised of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed my mortgage on XX/XX/18 with Freedom Mortgage. The loan funded on XX/XX/18. Freedom was to mail me an escrow balance from my previous loan in the amount of $ XXXX.The check was never received. I have contacted Freedom 12 times and have been lied to each phone call. Freedom has to me the check was mailed twice. They have told me they didn't have my address. They have told me a supervisor will contact me. To date, a supervisor has not contacted me and I have not received my escrow check from the XX/XX/XXXX closing. my current loan # XXXX. However, the escrow check is due from my previous account. that account number is # XXXX On my latest calls, XX/XX/18, I was told that Freedom did not have my address. On XX/XX/18, I was told by AL, # XXXX, that he could not find any record of an escrow check due 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 2020-07-03
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
The problem I'm complaining is that I didn't receive sufficient information for my card cancellation information. 

I'm undergoing a house purchasing process through underwriting, so I need a confirmation letter from Citi bank stating clearly my account number, and the date ( XX/XX/2020 ) that I have been successfully canceled my card. My underwriting process is depending on this official confirmation letter because the closing date is closed, and my current living apartment lease is about to end. The confirmation email my primary received only have name on it without any other full information. And I didn't receive the information at all. 
So I requested Citi bank to offer me the official confirmation document by faxing my lender the official confirmation letter. I called Citi bank for three days even by talking to the customer service superviser. They said they refused to give me other choice other than waiting for 7-10 business days ( 2 weeks+ ) for a mail that send to my primary instead of me by physical mail. This would not only ruin my house purchasing process, but also never give authorized card user the right to receive the document. Honestly the card has been canceled, there shouldn't be any security reason that they can't fax the lender to give customer other option to make any negative impact. They are so passive to help the customer and doesn't care customer at all.

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 2021-06-07
Company: Financial Credit Network Inc
State: CA
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:
Please forward the information to FINANCIAL CREDIT NETWORK, INC. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX, I received medical assessment and treatment from XXXX XXXX XXXX and that was paid by my Health Insurance ( XXXX of Arizona. ) I received collection letters and threatening phone calls. I wrote the collector regarding the collection, and requested validity of debts, original creditors, and date, place of service. 

On XX/XX/XXXX I received a collection letter dated XX/XX/XXXX attempting to collect on the debt, without providing evidence and validity I requested in my letter of XX/XX/XXXX.

This practice by this Collector violation, Pursuant to the Fair Debt Collection Practice Act, Section 809 ( b ). 

Collection attempts by this Collector should cease immediately, until requested validity evidence is provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Earlier this year I applied for the XXXX capital one card for the bonus miles and travel benefits it included. I never received the bonus miles and when I called to ask, they said I was approved for a XXXX XXXX card not the normal XXXX and this card doesnt include bonus miles or the credit for global entry application. I feel like this was very misleading as I didnt apply for a XXXX XXXX card and would not have accepted it and used it had I known it wasnt what was advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

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 2018-03-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX. 
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX. 
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX. 
What we did not know as well was that we were paying an interest rate of 8.000 %. 
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate. 
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was discharged in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

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 2020-09-02
Company: JPMORGAN CHASE & CO.
State: NC
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 two credit card accounts with Chase. One account has a $ XXXX limit which I use frequently. The other account has an approximate $ 6k limit which I never use. Chase has no record of the $ XXXX account. 

In XXXX, I lost the credit card to the $ XXXX account. I couldn't get an employee on the phone, so through their mobile site I requested a new card and turned off the old card. This month, I mistakenly missed my payment window. My payment was due on XX/XX/24 and I was attempting to make a purchase on XXXX. My credit card was declined a purchase on the account although I have a $ XXXX limit and $ XXXX balance. 

When I log into Chase 's mobile and desktop sites, my credit balance is {$6500.00} with {$0.00} available credit. Chase 's customer service representative refused to transfer me to a manager and attempted to solve my call herself after I requested to speak with someone else multiple times. 

The rep and the Supervisor I was transferred to can not locate the second account. None of their systems reflect the second account. In addition, they can see my credit limit is $ XXXX, but it is not reflected in any statement documentation, mobile or desktop sites for customer information. In addition, the bank did not reach out to me to notify me my payment was late and my limit would be reduced by almost $ 15k until a payment was made. There are no messages on their site to me noting the reduction of credit limit until payment is made. 

While I was on the phone with the Supervisor, he noted it may take up to 48 hours for my payment to clear, my limit be changed and account to be usable again. I thought the regulations required payments to clear the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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:
A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on Experian and XXXX. 

XXXX XXXX XXXX ... XXXX This account is over 7 years and needs to be remove. Showing on Experain XXXX XXXX ... XXXX .. This is is over 7 years old and needs to be remove ..Showing on Experian. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.

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 2020-05-22
Company: CITIBANK, N.A.
State: KS
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:
On XX/XX/XXXX of 2020 I used my Citi Diamond Preferred Mastercard to purchase an all inclusive trip to XXXX, XXXX with XXXX. XXXX  ceased operations on XX/XX/XXXX of 2020 and informed customers that they would NOT be issuing refunds to customers, and that we must contact our banks or credit card companies to seek refunds. On XX/XX/2020 I disputed the charge of {$3100.00} with Citi under " Goods/Services Never Received. Initially Citi issued me a temporary credit to the card and claim they contacted XXXX regarding my dispute. On XX/XX/2020, Citi reversed my temporary credit and reissued the charge to my account. Citi stated that XXXX informed them that they had already issued me a refund, which is absolutely false. XXXX has lied to all card companies and banks and said they issued refunds to costumers, when in fact I have an email from XXXX stating that they would NOT be issuing refunds. I passed this documentation to Citi and they still sided with bookit.com. It has been well documented that XXXX has done this same thing to thousands of customers throughout the world. The Florida Attorney General and the XXXX XXXX Police Department are actively investigating XXXX for these actions. I belong to a XXXX Group titled XXXX Scammed By XXXX ''.   This group has thousands of members since XXXX of this year all with similar complaints. 
Through this XXXX group I have learned that Citi seems to be the worst credit card company about properly refunding their customers. On XXXX, 2020, I refiled the dispute with Citi and submitted documentation PROVING my case. Citi responded on XX/XX/2020 issuing another temporary credit to my account. However, they are giving XXXX until XX/XX/2020 to respond. I have no reason to believe that XXXX won't lie once again and say that they have refunded me when they in fact haven't. XXXX has been doing this over and over to all the other customers that I've met on the aforementioned XXXX Group. I also believe that Citi will once again rule against my dispute despite my providing documentation proving I am in the right. It seems apparent to me through mine, and numerous other Citi customers ' experiences with them, that Citi is trying everything they can to deny refunding their customers by dragging this out to the point where people give up trying to get their hard earned money back. I find it unacceptable that Citi hasn't yet provided me with a full permanent credit. It is my hope that you can somehow help myself and numerous other citi customers get back what is theirs. Please feel free to go to the above mentioned XXXX group and investigate for yourselves.

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 2020-08-25
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, I was given 2 gift cards from XXXX Visa for a total of {$750.00} Ok & as soon as I tried to use it the money was gone. Whats most concerning is the amount of exact same issues are HUGE!! Claims of fraud all over the internet. I called them several times and they just said I had to dispute it with the companies where the fraudulent activity occurred. That is ridiculous because the company is not going to just give me money because I say I was robbed.

I contacted them I contacted Visa and I contacted the issuing bank and nobody could help me.

This is crazy that somebody can take my money and nobody will help me. Whats even crazier is how many people they have done this too. Somebody is making a lot of money. I am concerned that this is happening from the company and they are making a ton of money of stealing from people. Please help me or please tell me who can help me. I hope that somebody can help me but most of all I hope somebody investigate this company.

Company response to consumer: Closed with explanation