BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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: Ditech Financial LLC
State: NC
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:
DiTech is reporting that payments were made on a personal loan in XXXX and XXXX. 
This loan was closed/charged off by XXXX/GreenTree prior to XXXX. 
No payments were EVER made on this account after XXXX. 
Ditech 's report is fraudulent. 
Totally made up! 
Needs to be removed from report or provide proof of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from Chase dated XXXX XXXX which says they are decreasing my credit limit from {$14000.00} to {$7300.00} because they say I spent far below my available credit limit in the past 12 months. I have had this Visa account with Chase since XXXX. My credit score according to their mobile app is XXXX. This is absolutely ridiculous and could damage my credit score because I will now have less available credit limit to offset any balances. 
They provided no other reason. I have not been late on this account or over the limit and maintain a high credit score and have very little debt. When I contacted Chase I was told there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This company was selling purebred XXXX XXXX XXXX puppies for {$650.00}. To transport the puppy they told you you had to purchase refundable fee for a crate. That was {$1800.00}. Once you purchase the puppy they then send information about you paying for refundable insurance to keep the puppy safe while flying which was {$1200.00}, you then have to pay for refundable veterinarian, shots and shot record expensive which was an additional {$2100.00}. I did not receive the puppy and they continue to give me the run around. I contacted my bank to file a dispute. My bank shut down my debt card and issued me another one. This company is continuing to harass me by calling and texting my number, but not to negotiate the terms of me getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: AZ
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:
The foreign customer service representatives for Citibank credit card refuse to activate our credit card. The foreign customer service representatives do not speak nor understand english and read from a script that does not answer your questions. When confronted with their lack of english language skills they simply hang up the phone. 
Citibank needs to be fined another XXXX XXXX dollars for their continued credit card fraud, SCAMS. They issued my spouse and I ( joint account as authorized user ). Both cards have the exact same account number and security code. We called to activate and the foreign representatives were unable to activate. They tried to send text to both our phones as listed when we applied but the said there system would not allow it. I tried to activate online but their website was not functioning properly. We told the foreign representatives to close the account but they refused to close account. HORRIBLE foreign customer service or I should say that Citibank is committing consumer fraud by BAIT AND SWITCH tactics by issuing credit cards only to not activate them. We received the welcome kit in the U. S. Mail as well as an email congratulating us that we are now members of Citibank thank you preferred credit card. Citibank is corrupt and a complete joke. As soon as we pay off the XXXX XXXX credit card we will close it since Citibank has something to do with it. Also, we no longer shop at XXXX since Citibank screwed up their credit cards. Please fine Citibank another XXXX XXXX dollars.

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 2021-03-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Community Loan Servicing said that I had contact them to do a modification on my loan so they started the process of that which begins with a house appraisal. I contact them and said that it was a HUGE MISTAKE, I didnt asked for that, my payments were and are up to date. Last time I was late on a payment was in XXXX. The result of this mistake is that according to them I have to pay for the paper-work related to the loan modification, the one that I did not requested!. 
In XX/XX/XXXX I was finally able to talk to XXXX XXXX who is my account representative and said that the charge was going to be removed. Today in XXXX The charge still showing in my statement and when I called I was told that the charge cant be taken off and that my representative couldnt talk to me. I had to be put on hold for over an hour and be transferred to three different people just to hear that answer. 
Why do I have to pay for their mistakes?? 
I really need help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Bread Financial Holdings, Inc.
State: MA
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:
Dear CFPB, I have experienced a pattern of Credit Inquiries from the following corporations. These inquiries are having an adverse effect on my credit score. Is there a legal, logical reason these companies can make multiple inquiries? How do I make them stop? I can not freeze my credit right now and I have submitted a request for a credit report from all three bureaus. I tried very very hard to access XXXX. I do not know whether it is me, my computer, the ISP  ( XXXX XXXX ), but it is impossible to contact anyone there. I have included the dates they pull credit. Most are once per month, some are twice! 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comenity XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX My score was in the 800s a few years ago. Is it because I am XXXX, middle aged, retired or is it in retaliation for political affiliation? This is clearly an all-out attack by special interest and the government. My cell phone has been ported out, my identity stolen in the past and now I am experiencing multiple technical and financial attacks. Last week, my bank account was breached and money was stolen by XXXX. I sent the bank the email headers and they are investigating it. XXXX, XXXX and XXXX have flooded my emails with bugs, viruses, phishing. My ISP and XXXX are manipulating my websites and blocking them saying I have DNS errors. I have documented all of these events dating back to XXXX. Can you help? Can you point me in the right legal direction? I can not stand much more. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into a branch with my kids to make a deposit into their minor savings accounts. They both had a check from grandma and loose change ( @ {$6.00} for one and @ {$26.00} for the other ). I was told I had to provide my ID in order for the cash to be accepted. There is no regulatory requirement for this requirement and it is more than intrusive. I hardly think my kids are head of a money laundering ring with deposits less than {$30.00} in cash. Furthermore, no ID would be required if an ATM had been used. I believe that this is an XXXX issue as many individuals with limited means may not have the requested ID and be blocked from saving and access to financial services. I understand that large dollar amounts enable the tracking of funds that could be connected to illegal acts. I do not see how tracking {$6.00} into a minor savings account will save any lives.

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 2017-08-01
Company: EQUIFAX, 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:
On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CarMax, Inc.
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: DE
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:
The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

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 2019-05-29
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NC
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:
I filed a dispute with Experian on XX/XX/2020. I never heard anything from experian stating that they received my dispute nor did I receive a response saying that they investigated my dispute. I has been well past the 45 days. I have the letter attached to 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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Bank of America XX/XX/2021 asking how much I owed for the 5 months " deferment '' that I was approved for only to find out it was a forbearance that required the entire balance to be paid at the end of the agreement term. I submitted a complaint previously in reference to how the repayment assistance program was a complete XXXX and was ultimately unable to work out any arrangements with the company. So, in XX/XX/2021, I called to get the total amount owed so I could repay and was advised I had a sum of money sitting in an unpaid balance account. I submitted a request to have the funds applied to the principal mortgage for the intended two months I called and paid it for, and two weeks later I was advised my request had been denied. I have had several conversations with multiple BOA representatives and each of them have a different explanation as to how that has happened and what the resolution is but none of them have been successful with assisting me in resolving my issue. 

XXXX XXXX, I was advised to pay {$6100.00} and the {$2000.00} that was sitting in the unapplied funds account would be corrected as well. I called XX/XX/2021 and the account is still saying I owe over {$9000.00} of payments which is not correct. The Service Request # is : XXXX and I submitted a request for that on XXXX XXXX and it has still not been resolved. I called today to speak with the person who took the payment with confirmation number : XXXX ( SS ) and have been transferred to multiple people still resulting in no one being able to assist me with getting these funds applied to my principal mortgage payments. The payment made on XX/XX/XXXX or XXXX in the system should have brought my account to a {$0.00} balance yet Bank of America HAS NOT updated my account status and it has been several months since I stopped working on a repayment plan with the company at their dismissal. 

As a Customer I have found dealing with Bank of America extremely frustrating and counterproductive. I feel that I have experienced heightened stress and undue emotional distress because my mortgage is on the line and no one seems to be able to give the same answer more than once. I have asked that my Account Manager call me, no one has. I have asked that someone, anyone who can assist with this level of an issue call me and set the account straight especially now that I have made the required payment and all I get is one transferred call after the next when calling BOA.

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 2018-07-22
Company: Navient Solutions, LLC.
State: FL
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 have only ever borrowed a total of {$65000.00} of student loans from ALL of my previous institutions. I contacted each institution and had them send me a copy of the disbursed loans. The total amount added up to {$65000.00}. Somehow, Navient says I owe {$93000.00}, and can not explain exactly HOW I owe this amount. They tried to tell me it was accrued interest.. I asked how it was possible to accrue {$30000.00} in interest in 3 years at a 6 % rate, and then they told me it was due to the loan consolidation, and blamed University XXXX XXXX for overstating disbursed amounts. SO I contacted University XXXX XXXX who assured, and sent me proof they ONLY added the total amount I actually borrowed. I would like

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Credit Services Corporation, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan with HCS, Health Credit Services through XXXX XXXX. On XX/XX/XXXX I paid the loan off before the promotional period by {$690.00}. I realized my mistake and called to get this resolved. I was told that the payment had to be validated and this could take up to 60days. I called back again and was told that the loan batched on XX/XX/19 and was sent to account to get a check cut to me. I called several times before and was told t hat I was given incorrect information. The funds had to be validated and then I would get a check which could take an additional 60 days. I have asked to speak with a manager, accountant and no one has returned a call or tried to resolve this issue. I called last week and was told the amount of my overpayment had been validated and a check would be mailed. I called again on yesterday XX/XX/19 and was told yes the funds have been validated but this transaction has to batch before a check can be mailed. This process is ridiculous and unfair to me as the borrower. There is no reason a company should hold anyone refund for over 90 days with no date as to when it will be returned.

Company response to consumer: Closed with non-monetary relief