BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/XXXX I contacted my credit card company regarding a purchase I made XX/XX/XXXX, while on vacation in Tennessee shopping at the XXXX XXXX XXXX. I purchased a package of 3 products from a Kiosk owned by XXXX XXXX. A sales rep, XXXX, approached me to demonstrate the product by applying them to my face and after she reduced the price several times I finally purchased the products for {$380.00}, that price was good for that day only. Her sales pitch was that if you use this product you will not need to have XXXX  XXXX or XXXX. After the purchase the sales rep XXXX, said she would email me the instructions on how to use their products. The sales pitch was all about and XXXX XXXX XXXX, " you don't need XXXX XXXX, this product will take care of the problem. '' When I returned home, I opened my products and read the instructions on the packaging, which was not the same thing the sales rep said when pushing her product. I then checked to see if she had emailed me the instructions on using the product. Upon reading the instructions she stated for " instant XXXX XXXX '', use once a week before going to bed, under your eyes, upper lids and between your eyebrows. Clearly this is not what the instructions said on the packaging. It stated " daily application ''. There are other discrepancies. She claimed the product contained XXXX  and XXXX XXXX, but its not listed as an ingredient. I tried the product and did not see the same results as the product she applied on my eyes at the mall. I followed her instructions applying the " instant eye lift '' at night before bed and had an adverse reaction. Under my eyes were all red and had bumps on them. I feel this sales rep has grossly misrepresented the product she sold me. This is out and out fraud. I contacted my credit card company and filed a dispute on XX/XX/XXXX and  also XX/XX/XXXX. All they did was to come back and say that they contacted the merchant and they stated that as per their records the goods sold are of excellent quality and free of any defects. Of course I did not expect them to say any different, but I feel this sales rep has misrepresented the product she sold me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I received my social security XXXX check into my capital one checking account and it said that those funds were available for use. At about XXXX that XXXX I submitted a payment to my capital one auto loan. I received an email confirming that the payment was being processed. On XX/XX/XXXX I received an email from capital one stating that my payment was completed. Further more, when I looked at the information for my auto loan it showed the deduction for that payment and said my next payment would be due on XX/XX/XXXX. I used most of the remaining funds in my account that day. The following day, XX/XX/XXXX, I received an email stating that my car payment was returned for insufficient funds. But according to my account records, there was enough money in my account to cover the car payment all the way through the XXXX. I tried. Calling capital one on the 3rd, both the bank account division and the auto loan division and got no where. I tried calling both entities again on the 9th I think and the only explanation I got was that when the XXXX XXXX  payment was processed it brought my account to less than what was needed to cover the car payment. But according to my calculations based on the information from my capital one account, the money was still available. Also, like I already said, I submitted the payment on the XX/XX/XXXX and received confirmation that it was completed on the 1st. I have gotten nowhere contacting capital one and now I have a late payment fee as well as the damage to my credit of having missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2018-12-27
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: Public record information inaccurate

Complaint:
While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a XXXX XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the XXXX XXXX was discharged but that had nothing to do with me or my XXXX XXXX per my attorney and the bankruptcy trustee since the XXXX XXXX was separated between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I filled out an application for an mortgage on a mobile home. The loan amount was for XXXX. I offered XXXX down payment for an FHA loan. I was informed previously that my credit score needed to be over XXXX. I worked very hard on bringing my credit score up to more than the proper standard.when reviewing my application 21st mortgage XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free :  XXXX denied my application after advising me that my credit score was 639 though XXXX. She advise my application was denied but I can put down 10 % of the asking price. Just be advise that I did disclose my ethnicity on my application. I then inform Ms. XXXX that I could put down property that I own free and clear as collateral which was information that was given on the application as well she advise that i would have to resubmit a application which caused my credit score to drop. I resubmitted an application on XX/XX/2020 without disclosing my ethnicity on the second application got a response back from XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX Fax : XXXX XXXX whom advise that I also was denied but they had another loan option for me Needs upfront interview. Please call XXXX ext. XXXX An estimated loan amount of {$64000.00} or less, not including financed insurance and fees. 
I believe that this company has given me the run around reference to me trying to get a home i explain to them the urgency of me moving offered several thousand plus property as collateral. I believe that I'm being asked to put more than 3 % down that which FHA loan ask because I am a XXXX female  and Ms. XXXX was attempting to make it diffocult for me to be approval even after offering property that value over XXXX plus and additional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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 several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/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 2018-12-27
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check number XXXX dated XX/XX/XXXX was written in the amount of {$5.00} against the undersigned 's Citibank checking account. On the front of that check underneath the date, was the pre-printed words " Void after 90-days ''. The check was presented to Citibank for payment in the amount of {$5000.00} on XX/XX/XXXX. 

Despite the fact that the check was VOID at the time of presentment to Citibank for payment, and was also stale dated, Citibank nevertheless paid the check on XX/XX/XXXX, more than a year after the check was written and more than 90-days after the check 's validity date. In addition, Citibank paid the check against the undersigned 's account for {$5000.00} ; instead of {$5.00}. 

Citibank has since failed and refuses to take any corrective action on this matter after being notified multiple times of the Bank 's error.

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 2021-07-20
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX I fell behind on my mortgage as a result of getting XXXX and losing both my XXXX and my XXXX during XXXX. I was told I can obtain a forbearance and that my past due payments would be placed on the back of my loan. The lender was informed of my prior modifications, however, they told me I still qualified for the program. Now they are stating that I no longer qualify due to too many modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I got hacked I had two security breeches in XXXX they got my drivers license number my social my email password my address everything from the XXXXXXXX XXXX. Then I had another breech from an unknown breech. They took out an installment loan using my info and my fiancs info too he got hacked too and they combined the info and had the mailing address to my fiancs XXXX XXXX business store that is public and his email but it was only in my name and they also had his old cell number that wasnt even on then. It was an installment loan which I would never get I would never be that stupid.. The cash net USA just called me this week told me to make a police report within 7 days and get proof they sold it to collections XX/XX/XXXX thats when I found out about this its XXXX dollars in collections. Someone did this and its fraud and theft. I dont want this on my credit report they marked it as theft but they havent decided on the case yet but if I had to pay some money just to make not go on my credit on would because Im about to get a house and a car and even if they would prove that its fraud because the cash net USA loan had the bank account it was connected to it they wont give me the name on it so hopefully you can look into this and they transferred to XXXX XXXX to pick up the cash right away so hopefully they have the records. I have another loan that was taking out from XXXX but Ill make another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection letter XXXX XXXX a debt that was not mine it was fraud I do have a police report. I asked the company when the debt was they said " activated XX/XX/XXXX ''. First it is not my debt second it is well over 7 yrs old this is the first I am hearing about it. I wrote to them sent police report and request to stop all communications they said they were reporting it to credit bureau XX/XX/XXXX. IT IS & YRS OLD AND FRAUD! (! 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 2019-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed Portfolio Recovery was reporting a debt to my credit report. I reached out to the company 3 times via certified mail to verify the debt. No one has responded or contacted me with any details. I have tried to contacted them via phone and they do not have the right information. I have tried to dispute this information via the credit reporting company but they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Debt Recovery Solutions, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Debt Recovery Solutions ( XXXX XXXX XXXX ) was set up on my checking account and they continue to deduct payment out of my account even after they was paid off. I received several phone calls from Debt Recovery Solutions threating to put out a warrant for my arrest for blocking them from going in my account. As of XX/XX/XXXX, they are still reporting to the XXXX with a balance of {$350.00}. The opening date shows XX/XX/XXXX, and this is also incorrect. I do not owe this debt and I feel that this predatory company Debt Recovery Solutions is harassing me and continuing to pull my credit down for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent Equifax a request challenge the accuracy, compliance and reportability of listing XXXX Acct # XXXX. This account does not belong to me. 
Asked to validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. My letter was received by their Equifax Representative and picked up at the USPS post office on XX/XX/2021, tracking # XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX. 

Today, XX/XX/2021 I did not receive any response from Equifax that they are working on my XX/XX/XXXX letter. I have sent another letter to Equifax for 30 day Non-Response to my request. I am being completely ignored for what they are reporting on my credit file. XXXX  XXXX was not able to substantiate XXXX account in their file therefore was deleted on XX/XX/2021. I have enclosed and uploaded all letters, USPS delivery signatures and XXXX  XXXX deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: French Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX Cease and Desist letter was mailed to Guarantee Loan Service informing I would not be able to continue payment due to a financial  hardship. 

XXXX Guarantee Loan representative called my home requesting payment Early XXXX XXXX Guarantee Loan went to my neighbor 's house at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to let her know I owed them money. They also requested she give them a call to let them know that I am at home. Since then, XXXX XXXX has been calling my neighbor repeatedly regarding MY debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: DC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions 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:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.

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 2019-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Social Finance, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the SoFi credit card on XX/XX/XXXX with the sign up bonus of XXXX rewards points ( {$100.00} ) which would be added to my rewards balance 45 days after my first purchase. I made my first purchase on XX/XX/XXXX and have not received the points. I have called several times and had tickets filed by representatives but there is no follow-up and no resolution as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-05-04
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan should not have been for XXXX, as I made a XXXX dollar down payment and declined the extended warranty. The dealer was supposed to return those funds to westlake. I never heard of they did or not. Westlake is reporting information incorrectly across all three credit bureaus. They have been reporting me as 90 days late since XX/XX/XXXX, on XXXX there are two payments listed as OK for the months of XXXX and XX/XX/XXXX, but I did not have the car at that time. The last activity is reported on XXXX as XX/XX/XXXX and on XXXX as XX/XX/XXXX, and XXXX has nothing. The closed date on XXXX is XX/XX/XXXX and XXXX/XXXX  is blank. The reporting is a mess.

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 2019-09-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Rushmore Servicing and ask to speak with the refinance department. I was told they didnt have one but they would give me to someone that did refinancing for them. I called that company gave them all my information only to be told that they couldnt help me. XXXX XXXX  sold thus mortgage to Rushmore. I need to refinance this loan that XXXX XXXX  gave me because I am a Senior Citizen and the monthly payment us getting to high for me to handle. I had asked XXXX XXXX  to give me a forgiveness refinance loan because the house was inside down. But it isnt a fixed loan so the interest rate and the payment is too high. My loan number is # XXXX with Rushmore. I need help {$1800.00} interest rate is 4.71.  Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation