BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: Experian Information Solutions 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:
I have written to all major credit reporting agencies ( XXXX, Experion, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization

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 2018-11-10
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX online college scammed me out of student loans and Pell grants I never received and now being charged {$300.00}. The account was removed from my credit report and then put back on my credit report all within a couple months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
when checking my credit score XX/XX/XXXX. I noticed my credit score with XXXX had dropped 22 points. After careful review of my credit file. I saw that XXXX  and XXXX  were both reporting a decrease in my credit limit for my Synchrony XXXX XXXX  account. I also noticed that only the XXXX   score changed. I reached out to Synchrony and was told a letter was sent to me XX/XX/XXXX explaining why my credit limit was reduced. A manager for Synchrony accessed a digital copy of the letter and explained the decision was made based on derogatory information submitted by XXXX in XX/XX/XXXX of  this year.

When I made my purchase in XX/XX/XXXX, Synchrony ran my report and made me an offer of credit based on my current credit status. I accepted the {$2500.00} limit in good faith. I made all payments with the exception of one on time. When I look at my credit score trajectory since XX/XX/XXXX, it shows an upward trajectory with the only dip coming this month when Synchrony lowered my limit. I speaking to one of the agents this decision is based on an automated computer program that could possibly have flaws. Based on this information and the positive trajectory of my credit score, I am disagreeing with Synchrony 's decision to lower my limit as it has had a negative affect on 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 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX without my knowledge and consent removed or deleted a closed Capital One credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

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 2018-11-10
Company: Experian Information Solutions Inc.
State: PR
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:
All the potentionally negative credit in my report from experian is from more than 7 yrs old. They keep updating the date fraudulently, when all of them were more than 10 yrs ago. I called experian and the gentleman that took my call told me many thing which would make me loose my rights under the law. I felt that the credit company was sponsoring to commit fraud to the consumers ( 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 2020-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was breached in 2015 and has resulted in it being posted on the XXXX XXXX XXXX XXXX List. Several credit cards were taken out in my name with XXXX XXXX XXXX and XXXX XXXX XXXX. I have contacted the original and current debt owners ( Portfolio Recovery ), ( XXXX XXXX XXXX ) and reported it as fraud but they refuse to remove from my credit report and keep selling the debt to new creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently had a zero % debt with HCS. They sold it to Ally bank. When I received the statement, no where on the statement does it show the balance due of {$3300.00}. It says that I owe {$4200.00} including the interest if I don't pay the account in full by the end of the promotion date. I have called them and they said it is online or I can call in. In small writing it says I am in a promotion. If I was to die, my spouse would only be aware of needing to send them a check for the full amount, not the amount that I really owe. I am computer savvy, but for other people, this could be a major issue in report what is really owed. I can send a copy of my statement if needed.

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 2018-11-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a cardholder with AMEX. I recently had a plantinum card, but was receiving marketing and promotional items on their new Gold Card. I was enticed to switch because I use my card for work. The majority of my purchases are for entertainment and travel. The new gold card   provides better rewards and benefits for what I use my card for on a daily basis. I contacted AMEX before switching to make sure everything was good and was confirmed with the rep that everything would be taken care of. I had initiated the change on XXXX. On XX/XX/16, I received an email saying they were removing XXXX points or {$600.00} from my rewards account for downgrading/misuse of the rewards program. No one ever made me aware that this could happen or I would have stayed with the card I had. Moreover, I reached out 3 times over the follow three weeks to inquire or get this fixed. They said there was nothing they could do. I asked if they could at least honor the promotional offering for the new card and they said no. I was told they took the points because I didnt stay with the platinum card for a year. Its been 9 months. They also said I couldnt get the $ XXXX/XXXX point offer after spending {$2000.00} because I downgraded. I filed a corporate complaint weeks ago and have not heard back and continue to get the run around with employees. Theyre treating me like a thief when all I did was switch to a card they were advertising and marketing to me. Worst part about it is that they continue to send me mail reminding me about the new promotion for the gold card and every time I call in they say sorry, everyone gets that mail, but we cant give you the promotion. I need help since they wont do anything nor put me in touch with the right people. This all could have been prevented if they warned me this might happen before making the switch over to their new credit Card that they were marketing to me! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a Quicken Loans Rocket Mortgage and I was working with another lender as well, I was negotiating with them about the cost I am getting from another lender. 

The mortgage banker at Quicken Loans told me that he'll beat the costs of another lender and he provided me the estimate and I agreed to it. The document was sent to me on XX/XX/19 and it has the closing costs of {$26000.00} and amount of {$6800.00} was appearing as Adjustments and Credits. 

But then on XX/XX/19 only 3 days prior to the close ( closing was on XX/XX/19 ), I received the final closing package and the amount of Adjustment and Credits was {$2700.00} out of which {$500.00} was the deposit which I gave to Quicken and the remaining was the prorated tax credit I got from the sellers as they were liable to pay the taxes from XX/XX/19 to XX/XX/19. Although the total cash to close was less but that was because I didn't opt for some of the optional services which were there in the initial estimate. 

I remembered during initial call, the banker did tell me that he has taken the permission from the VP to apply some additional discounts to bring down my closing costs and then on XX/XX/19 when I saw the final numbers, I gave Quicken a call to explain why the discounts were removed. He told me that my final numbers are less but I told him that's because I didn't opt for some of the services and because of the title company costs and it has nothing to do with Quicken costs but he didn't listen. Then they bankers stopped calling me so I left a feedback on the portal. I got a call from a lady just a day prior to the close that they'll do whatever they can and it won't impact my closing process. 

I didn't want to lose the property and because that lady assured me I thought it's OK to close the loan and they'll adjust the amount later. Then my case was transferred to a guy and now he is saying that we can't adjust it because you signed the closing documents. 

First of all nobody was talking to me prior to the close and now they are saying this. I just asked them a question that what was the math behind {$6800.00} adjustment and credits if it was not discount and nobody is able to explain that. Sometime they say it was a discount and sometimes they say it was prorations but even then there has to be some math behind it. 

The bottom line is that they applied the discounts first in order to beat the price of other lender but then they took it off when they saw that actual cash to close is already low because of other factors. The other lender was offering me exactly the same thing in just {$2200.00} origination costs and they charged me {$7000.00} for that when they promised that they'll beat the price. 

I have worked with almost all the departments of Quicken by now but they are not ready to listen to anything and they are just cooking up new stories everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. 
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
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:
ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.

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 2018-11-10
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Agency located at XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. Has continued to report on a said debt of {$110.00}. I have asked for validation per Fair Credit Reporting Act several times and they still have refused to send any proof of this debt. I have also sent a copy of the Affidavit of Identity Theft obtained by my local Sheriff 's office to Security Collection Agency and the Credit Bureaus of this as well. Sec. 623 ( a ) ( 6 ) ( b ) of the FCRA prohibits any further reporting by the credit furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX ) and prompts the Bureaus to immediately delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CITIBANK, N.A.
State: CA
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:
I booked my hotel via CitI XXXX ( which Citi outsources to XXXX XXXX ) and sought to cancel as COVID-19 was breaking out. I first called on XX/XX/XXXX and was advised to call back closer to my travel date ( XX/XX/XXXX ). I next called on XX/XX/XXXX, and after 3 hours on hold, was told the hotel had closed for the day, but that a case has been created for XXXX to contact the hotel and to expect a refund in 2 weeks. I called again on XX/XX/XXXX to confirm and after another 3 hours ( understandably ) on hold, I was told by an agent ( XXXX XXXX ) that XXXX had connected with the hotel and to expect the refund in 2 weeks. 

Another month passed and I had not seen a credit to my account, so I disputed the {$580.00} charge with Citi on XX/XX/XXXX. On XX/XX/XXXX, Citi informed me that they had resolved the dispute in favor of the ( Citi-affiliated ) merchant. 
I vehemently disagree with the resolution, as I had : 1. Paid for a service using Citi 's affiliate as an intermediary 2. The merchant did not remit the payment to the hotel 3. The merchant had confirmed that the reservation was cancelled before the check-in date 4. The merchant promised multiple times to refund me 5. Received no detail explanation, as of XX/XX/XXXX, on why the resolution was in the merchants favor, despite Citis Resolution Center promising so. 

I believe Citi conspired with their affiliate XXXX XXXX to deny me of a refund to keep their affiliate afloat, despite none of the services I paid for being rendered.

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 monetary relief