BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in a house for 12 years making XXXX plus a month payments. became XXXX and XXXX XXXX and could XXXX XXXX XXXX due to DOT rules. 
The company worked me into another area where there was no overtime and very less pay. I soon got behind on my FHA loan with CITY Mortgage loan # XXXX I filed for a loan modification that would allow me to do a quick sale on the house. They wanted me to refinance me at a lower rate if I signed another 30 loan, after I have been paying for 12 years into my previous 30 year note. 
They have assigned me 3 different agents since XXXX of 2018. The current specialist is the worst. XXXX XXXX XXXX He is impossible to get ahold of and never returns calls or emails. When I did get ahold of he he asked if he could call me back he was with another customer. 
Over the 3 agents I constantly submitted documents and with each new agent the process started all over again. 
I hired a real estate agent " XXXX XXXX XXXX '' and she put the house up for sale and has an offer on the house. For 2 weeks and they hire an attorney to foreclose on my house while they are working with me to sell it! This is a case of " DUAL TRACKING ) and it is Illegal.

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 2021-08-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian will not do a proper investigation into my claim, I have sent a police report, telling them I have fraud accounts on my experian report and they keep telling me its verfied, how are they verified, they are fraud. I ask them to explain how they verified fraudelent accounts and asked them to provide proof of the accounts belonging to me, and they can not. You need to remove these accounts now.

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 2020-09-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Rash Curtis and Associates account on my credit report that should not be there. Between XXXX and XXXX I disputed this account with the credit bureaus and with Rash Curtis and Associates directly. It was just discovered after a phone call on XX/XX/XXXX that the company is reporting this on my credit report with NO proper validation. Both the supervisor and the manager admitted to having no itemization with my name on it. The supervisor also admitted that they have no documents with my signature on it. Even further, there is no documentation showing there was insurance coverage from me. Despite all this, the operations manager declined to delete this account because of " California community property laws ''. That is simply an excuse to continue reporting a debt that is not valid. So not only has this company falsely verified this account with the credit bureaus, they have done so while also admitting they have nothing stating that I am responsible for this debt. Rash Curtis and Associates is engaging in illegal collection practices and causing great damage to my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Comerica
State: VA
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:
XX/XX/2018, .XXXX. XXXX XXXX, ca. a amount of : {$370.00}, was taken out of the, XXXX XXXX Account, by a unauthorized persons, and the credit card company has not reimbursed the amount, or amounts to any of the previouse compliants, made, round or about XX/XX/2018-XX/XX/2018. The complaints were made to : ICE, internet crime complaints online, thru-XXXX County Sheriffs office.=, XXXX XXXX , @ processing payment services : XXXX XXXX XXXX XXXX Texas ,XXXX  . The complaint is the credit card company has not returned any if the amounts set on any of the complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I provided FedLoan Servicing with my employer certification, per policy for the Public Service Loan Forgiveness program. Because the signature was electronic and not 'wet ', they stated the form was not correct. In all the years past, this has been accepted. 

In XXXX, I provided the form again. In XXXX, I called and they stated it would be expedited and the payments would appear on my account. I called again in XXXX, because they still had not been accepted. I was told they were trying to see if my employer qualified. I have been employed with the same government agency since XXXX and my payments have been counted before. 

It is now XXXX and my payments still have not been added to my account. I am tired of calling and getting the run around. You are placed on hold for extended periods of time whether it is on the phone or chat. Everybody gives you a different answer and none of it appears to be the truth. It is rather ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Monterey Financial Services LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX  she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, INC.
State: AL
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:
Equifax is refusing to remove outdated negative information from my personal credit report. There is an account with XXXX XXXX XXXX XXXX with a XXXX balance that has late payment history from 2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Equifax multiple times yet they refuse to delete the outdated information. They do not list a date of first delinquency on my credit nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

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 2020-09-14
Company: Experian Information Solutions 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:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX and XX/XX/2020 this company used my credit information without my knowledge or consent. Transunion  did nothing

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 2020-09-14
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:
In XX/XX/2019 I learned I was a victim of fraud and identity theft, I am permanently XXXX and suffer with XXXX XXXX XXXX XXXX ... I was fighting banks until I got Covid on XX/XX/XXXX, prior to this I was never late with a payment. 

I am still dealing with multiple medical issues, all of a sudden I got a letter one day from one of my charge cards with XXXX balance that was paid off that had been opened in XX/XX/XXXX-XX/XX/XXXX, they said closed because of credit report. 

The following day I received another 2-4 letters on other accounts saying the same thing, then a few days later even more letters, one account was involved in identity theft and fraud and I was disputing as my XXXX and stress levels allowed me to, it was Paypal. 

They closed accounts that I had used and paid off for YEARS with XXXX balances ruining my credit, XXXX to XXXX my score now, because I am ill and can not fight as hard right now. 

They closed my Care Credit Card I used for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my cat that had XXXX XXXX last year, paid it off within 6 months.. never late since account was opened with my mom before her death in XXXX. 

Closed my XXXX account that I used for emergency car repairs and tires which is vital being permanently XXXX. Had XXXX balance always paid on time never late. 

Closed my Ashley Furniture card XXXX balance I finished paying off {$2800.00} not long ago, never late always paid in time. 

Closed my Gas card, closed another few cards I do not even remember the others, I had no idea so many were with Synchrony.. totally destroyed my credit for no reason.

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 2021-03-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the equifax data breach. and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BARCLAYS BANK DELAWARE
State: IA
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 customer service

Complaint:
My problem should be so easy to fix but after several telephone calls and two letters I still do not have faith the problem has been fixed. Both my telephone number and email address has changed and XXXX refuses to update my records. Wow! They did change my address so that I can receive and pay my bill, but not my telephone number or email address. 

When I have called before they always do the same thing. They pass me around like an infectious disease until they put me on terminal hold and no one will pick up. No one will make these simple changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This complaint is an extension of Complaint Number XXXX. While communication in general was good throughout the last complaint, our issues were never resolved. We still don't know what the Trial Period Plan actually means. How the trial period payment amounts were calculated, what happens if we make the 3 trial payments, what exactly will our principal balance be if we make the 3 trial payments, and what the proposed plan options will be if we make the 3 trial payments. No disclosure of exact details provided. Prior to XXXX at B of A, each B of A rep gave us different info. XXXX provided some clarity but no real details. What are our accrued and unpaid interest, out of pocket servicing expenses, what will the unpaid principal balance be if we make the 3 trial payments? Extended the term of our loan to what? XXXX also stated on the phone that once the 3 trial payments were made, we would be offered a different type of agreement / modification. Their offer stated we were either ineligible for various programs because we are'nt late enough or because it's a primary residence or because it's a HELOC. What does that leave??!! We are in Chapter XXXX. We were assured by B of A counsel at our Chapter XXXX hearing that B of A would put us into a better position in terms of our monthly payment. Please follow through on this assurance. Each day that passes more equity is lost in our home. Every month our late fees and interest accrue.

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 2020-09-14
Company: Porsche Financial Services, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late. 
I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX. 

I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected. 

To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points. 

To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I  just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
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:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation