BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: ID Analytics, Inc.
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 belongs to someone else

Complaint:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Innovis
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 belongs to someone else

Complaint:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Attempted to purchase furniture with the synchrony store card associated with Ashley furniture. We were told we could use it for purchases immediately however, everytime we hit purchase the card was declined. We were surprised to find out that we were charged 3 times for the same amount. We called the store and they said they submitted multiple requests for the order to be cancelled because there was no order # and the transaction was not processed. Synchrony told us they could not remove the charges unless the store submitted a request. We spent multiple hours with them on the phone only to be told there is nothing they can do and given 4 different timeframes to expect the charges to be lifted.

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
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank froze my accounts i signed all required documents AT THE BANK WITH THE MANAGER,,, they continue to send requests for each account ... I received 26 letters in one week ... .My manager doesn't know what the problem is and he can't get answers

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 2021-07-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
a bought something from XXXX that was shorted and damaged. i sent back what was sent to me. i was never refunded the full amount and disputed with comenity bank. this bank failed to do a dispute but decided to keep calling and hounding me for a payment and reported it to my credit bureaus. after many calls with XXXX and the third party seller not responding to emails i finally threatened legal action and got XXXX  XXXX. XXXX admitted this shouldn't of went this far and the bank should of never put negative remarks on credit report. XXXX XXXX finally gave a refund but credit score was already hurt. comenity violated the fair credit reporting act and also has failed to reply to emails and 2 certified letters sent to there XXXX ohio offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.

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 2018-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Customer Service on XX/XX/18 to pay my projected shortage in full, which was just a little over {$300.00}, that was the result of my new estimated property taxes. I requested to have my escrow reserve removed and escrow analyzed. The rep told me that she has not heard of having the reserve removed. I explained that it is allowed by RESPA within my security instrument not to exceed 16.6 % of the annual impound balance, but the reserve is not a mandate and is negotiable. The rep told me that her procedures show that the reserve can be removed for properties in TX but not other states, but that her procedure does not explain how to remove the escrow reserve. As such, the rep instructed me to submit my request in writing. I submitted an email request on XX/XX/2018 summarizing my experience with the Customer Service rep, and I requested to have my escrow reserve removed. It was not until today, XX/XX/18, that Wells Fargo finally made a decision to decline my request. Having to pay an additional {$2000.00} a year as a cushion is outrageous, and I would never have an insurance or tax installment increase that much in a single year. I am not even required to have an escrow account and only elected to have one to safeguard both my interest, as well as whoever ends up servicing my loan. This is causing my monthly payment to be an additional {$200.00} more than what it needs to be. I feel that I am being unfairly treated because I have one rep that says I can remove the reserve and another saying I can't. I have had five different servicers on other loans that have always removed the escrow reserve during a single telephone call without an issue. This is the most difficult experience I've ever had in requesting the removal of an escrow reserve. I am requesting to have my escrow reserve removed and have my escrow analyzed effective with my XX/XX/2018 monthly installment to maintain an affordable monthly payment and avoid any potential financial hardships in the future. 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 explanation
Consumer complaint received 2021-06-30
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im trying to refinance my mortgage with another company. The other company asked for me to get a document called " the note '' from Amerisave. I requested that document and they said they would mail it to me. The business is 5 miles from my house. 3 weeks go by and nothing. I called back and asked for it again. I also asked if they could fax it to me. They simply wont give me this document. They know I am preparing to go to another company for my mortgage and they are illegally trying to prevent it. Any assistance you could provide would be greatly appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I just got off the phone with Navient, better known as the student loan servicer from XXXX. They call me repeatedly about being behind on my private student loan. I have been reaching out to them every since XX/XX/2018, before the loan increased from XXXX to XXXX to let them know that I am currently unemployed and am unable to keep up with this loan increase. Their reps responded via phone stating that their guidelines now require them to deny anybody a income based program offer if the payment increase is below XXXX. I am tired of being harassed by them with automated phone call. They call me daily at XXXX XXXX   saying by recorder please call XXXX and they can help. However, when I call them, they are unable to help me. I just spoke to XXXX on XX/XX/18 and she told me the same thing however she told me about forbearance which I was never notified of. They probably have more programs but are not offering them to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. 

To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX  who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. 
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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 feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CIT BANK, NATIONAL ASSOCIATION
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:
My bank account was hacked on an institutional level in XX/XX/XXXX. 

The banking institution One West Bank a subsidiary of CIT did not have proper firewall security to protect client accounts and personal data. Nor, did they have a department to clean up their negligence after the act. 

Since then, my financial life has been decimated, and CIT admits it was not my fault. 

To protect myself, I moved to another banking institution and paid off the line of credit I had with CIT. I have a letter from the VP of CIT verifying that the line of credit account now has a XXXX balance. 

Yet - somehow they repeatedly are reporting to the credit bureaus that I am late on owing them XXXX dollars . 

They have reported this " late '' account two months in a row causing my credit score to plummet from good to poor. These late marks are for XXXX and XX/XX/XXXX. 

I have made numerous calls over the past months to the supervisor XXXX, and I have emails they admit their error from CIT VP, XXXX XXXX ( emails dated XXXX and XX/XX/XXXX XXXX. 

Talking to XXXX this week - she says they can't even find on their books that I owe them {$2.00}!!! 

Therefore, this is false reporting about me, and I want to take action. I have contacted the FDIC regulated CIT. 

This is destroying my financial life as I was trying to get a loan to pay for my XXXX-year-old grandma 's medical care. 

Anyone reading this, do not entrust your finanacial life to One West Bank - or any CIT bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NJ
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:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX data breach and may have got into the wrong hands.

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 2021-06-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an old account with XXXX XXXXXXXX XXXX  on my Equifax and XXXX report that should no longer be on there. It is an aged account and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: CO
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 have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 2021-06-30
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.

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: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received the email from Chase XXXX, 2018 to offer me to upgrade the credit card with 50000 point incentive with increase of annual fee from {$85.00} to {$95.00}. The email only disclosed of all of good benefit of new card like 6X point instead of 5X ... etc., didn't disclose there is change of benefits. One of important benefit of {$3000.00} elite spending credit is removed with new credit card. 

That was a misleading email adv for me to upgrade the credit card, the email didn't disclose and specific indicates that {$3000.00} spending elite credit will be removed, otherwise, i will never upgrade my card by paying more annual fee with less benefit. 

I called so many times and talk to the marketing and customer service at the Chase, instead resolve the problem, they offer me free 2500 points, which i don't need.

Company response to consumer: Closed with explanation