BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Problem with personal statement of dispute

Complaint:
I had a late payment on my amex account. I recently fell on hard times due to covid. I tried to pay as soon as i could. I explained to them what my issue was and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I filed a claim with Navy Federal Credit Union XXXX on XX/XX/2021 per their instruction in the " Guide to Benefits for XXXX XXXX '' for Cellular Wireless Telephone Protection Coverage. 

My phone was broken beyond repair so I filed the appropriate documents for my insurance claim that should cover up to {$600.00} with a {$100.00} deductible. They are stating that my phone is not covered because I have too many lines on my account. The other lines are part of my family plan. I am making the claim for the only Eligible Cellular Wireless Telephone and I am the only Eligible Person for this benefit per their guidance. 

I was denied my claim on XX/XX/XXXX. I followed up with supporting documents and they are still denying my claim satying I have too many lines. It is my credit card and the claim I am making is for my phone. I will attach their guide to this complaint. Please notice both their definitions of the Key Terms concerning : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX, XXXX, I made a payment to Walmarts automated system because I was unable to make a payment as usual because their website was down. I also tried contact a representative to assist me because I have had problems in the past but he referred me back to the automated system. The following week I received a letter stating that my payment way no received because of an error with my account. However, Walmart had waved my XXXX payment because of Hurricane Harvey so he told me it was okay! Nonetheless, Walmart sent me another letter yesterday XXXX XXXX, XXXX stating that they closed my account and reported it on my credit report! I immediately contacted them and spoke with several agents and supervisor. They all told me that they could not reopen my account. So I called my bank to try to find out what happen. Finally, I was able to figure out what happened! The automated system and the website has two different account numbers. The automated system has an account number that was closed three years ago! In the past, I had a problem with this situation and Walmart was suppose clear out all the old accounts but never did! I told them what happened and they still refuse to reopen my account! This is unfair credit practices! Please help!

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 2017-11-02
Company: Navient Solutions, LLC.
State: DC
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
This complaint is in regards to a duplicate account on both my XXXX and Equifax consumer reports. The XXXX XXXX XXXX  account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BCI FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I secured a mortgage in XX/XX/2020 with City National Bank Bank. At the beginning of this year I received a notice ( attached ) that the servicer had changed from City National to XXXX XXXX XXXX. I also received a notification from XXXX ( attached ) of a change in Creditor. I received my XXXX statement form XXXX  and make that payment to them. At the end of XXXX I received a statement from City National that I was delinquent on my XXXX. When I contacted them, they had no record of the loan/servicer being transferred. So effectively, I have two servicers collecting on the same mortgage. I have opened " cases '' with both servicers, but in two weeks neither has made any progress in resolving the issue. Attached are XXXX statements for each. 

I contacted the trustee listed on the Change in Creditor notice who indicated that XXXX XXXX XXXX was in fact the servicer ( see attached ). I forwarded this to City National and they have been unresponsive. XXXX has been actively trying to resolve this for me although I opened an earlier complaint ( XXXX ) for a insurance related servicing issue I experienced when they assumed servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, 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:
There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, I was informed that my mortgage company, Ocwen Loan Servicing, that my mortgage payment was going to be increased by almost XXXX because I had no insurance. I did have insurance and I immediately faxed proof to the insurance dept for Ocwen Loan Servicing which was later bought by PHH mortgage. Month after month they would promise to correct the mortgage amount and they did not. I have repeatedly requested and begged them to fix the problem and they promise they will and they do not.

I do not know how to protect myself from a big mortgage company like PHH, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: STEWARD FINANCIAL SERVICES LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was taken over 18 months ago, and was sold yet the balance is still showing on my credit report for the remaining balance that I owed which is {$14000.00} yet I brought the car for {$15000.00} and made payments on the car for over 2 years. Steward Financial Svcs is a rip off finance company. The took the car that had my pocketbook in it with over {$10000.00} that belong to a friend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not have a signed contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There are issues with several claims that were filed last year and still not resolved. 
The last claim XXXX for Purchase Protection was opened in XX/XX/XXXX and I have submitted all requested documents several times but they keep closing the claim for not receiving documents ( I do have proof that those documents were sent to them and they were received by thme ). 
I last submitted documents in XX/XX/XXXX, they acknowledge the receipt of documents along with a signed document by a repair company that was required by Amex XXXX.

Last week, I received a notice from Amex XXXX that they were not able to verify the repair estimate and would noy pay the claim. 

In XX/XX/XXXX, I also filed a theft claim for a laptop BUT I have not idea what they have done to the claims. I never received the claim payment. 

In XXXX, I filed a claim for receiving all merchandize and what was received were damaged. We went back and forth several times and I had to re-open claim more than once but never received the claim payment as Amex XXXX  have a habit of closing claims without payments and any valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the XXXX XXXX XXXX Officer, informed me that XXXX XXXX is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that XXXX XXXX remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at XXXX XXXX XXXX XXXX. 

Thanks In Advance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has negatively impacted my creditworthiness score by refusing to post information about my student loan that was recently transferred from XXXX to Department of EducationXXXX XXXX My Equifax XXXX has recently declined by XXXX points as reported by XXXX XXXX on XX/XX/2022. However, when I checked my credit reports via Annual Credit Report, my student loan with the Department of EducationXXXX is already reported by XXXX. I am concerned that Equifax will continue to delay and negatively impact my credit score by not reporting my student loans that are now under Department of Education/XXXX and that it could be based on my race and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Sunlight Financial LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I signed up for solar panels to be installed at my home bill swap was the program. The company ( XXXX  XXXX  ) went bankrupt. Sunlight financial ( XXXX XXXX XXXX  ) had still been drawing payments from my account. I disputed those payments with my bank after calling them for months asking for resolution. I started the r gram XXXX of XXXX. No one ever came out to finish the job and I followed up with mid XXXX who verified they never even applied for bill swap. Sunlight told me XX/XX/XXXX they do not know what they are going to do with all the customers like me that were in process. Bottom line they did not fulfill the contract and I havent received the services.

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 2017-11-02
Company: EQUIFAX, 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:
Since the Equifax data breach, I have been unsuccessful in resolving what was initially a single problem - there was a fraudulent address in my credit history. 

I received an email XXXX/XXXX/XXXX stating the " Dispute Completed '' along with a confirmation number and a link to review the dispute. 

Using that information, and confirming my identity on their site XXXX including answering questions from my credit report ( e.g., you opened a credit card from which of the following in XXXX XXXX ... those types of questions XXXX, I am unable to access my information. 

I get a page that states, " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' I have submitted my request FIVE times now via their " Web Email dispute form '', and all that does is generate another email with another confirmation number and link to review the dispute. 

EVERY TIME it says, " Dispute Comlpeted ''. 

EVERY time - SIX TIMES now - I have been unable to review the dispute. 

On submissions 2 through 6, I have explained that I can not access the page to review my dispute has been resolved. I also explained that additional fraudulent financial activity has likely struck, since I am answering those challenge questions correctly, but am still denied access to my original dispute ( and the additional five disputes XXXX. 

It 's an endless cycle of monopolistic bureaucracy - all the while likely furthering financial fraud perpetrated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
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/19. I paid {$400.00} with MCM conf. # XXXX. The negative remarks of DEROGATORY/ CHARGE OFF/ closed have not been removed even after an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2021-10-23
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern, I am writing to complain citi bank 's extremely sloppy action regarding dealing with customers 's service. My checking account underwent a fraudulent activity in which my whole money around XXXX USD was stolen and transferred to another unknown debit card in XX/XX/XXXX. Because of this, the bank closed my account without any notice. I immediately called the customer service to report this fraudulent activity and was told that I will receive the original amount of money within 60 days via check. During the six days, I constantly checked with the customer service and got the same answer. Besides, I was advised to open a new checking account and they will deposit my funds to the new account. Within this period, I only received one letter from the bank stating that the money transfer did not go through without stating anything about my funds. After more than 3 months, I did not hear anything. I called the customer service everyday and received the same answer there was not any information related to my account. And one representative suggested me visiting one branch. I visited one branch in XX/XX/XXXX, the banker asked me to follow up in 24 or 48 hours. But I emailed and called the banker without any response. I just want to report citi ' extremely irresponsible service.

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