BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
My XXXX XXXX cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.

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 2017-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wire instruction to send money toanother bank were not followed. Beneficiary never received the money. Bank did not notify me that it had not sent the money. Money was debited at time of instruction from my account. I instructed Bank to cancel the wire and credit my account. Money has not been credited back to my account for almost 1 month now. I am in contact w branch amd service rep but no substantive updates are given. Amount is $XXXX. I need money back and Bank is saying they are not able to credit interest during the missing 1 month period. I need the $XXXX back in my account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XX/XX/2020 A NOI Notice of Intent to refinance was forward to Shellpoint ServicesThe requested closing date was for Early XX/XX/2020. A copy of the proof of funds was provided, along with a current financial statement. The homeowner had the funding in place with a time limit for the use of funds to refinance the mortgage. 
Shellpoint never responded to the refinance offer in place, thus allowing the foreclosure to move forward. 
I then contacted the investor of record and conducted the following. 
After the no response, I provided two offers to refinance the outstanding loan. I provided the contact information to the investor of recod on my mortgage. 
There was no response. from shellpoint. 
I am requesting a modification due to the COVID Pandemic.

The Shellpoint contact information. 
From : XXXX, XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX  Subject : Shellpoint - XXXX XXXX XXXX XXXX To : XXXX XXXX Good Afternoon, Please see below for my contact information. Please provide a copy of the HUD and formal settlement offer in writing. 



Thank you, XXXX XXXX XXXX Lead Commercial Loan Consultant PH : XXXX XXXX est M-F Fax : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Byrider Franchising, LLC
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 information incorrect

Complaint:
I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
The claim by American Express ( cut and pasted from their site ) : Earn Membership Rewards Points 4X Membership Rewards points at restaurants worldwide 4X Membership Rewards points at US supermarkets, on up to {$25000.00} per calendar year in purchases I have had American Express cards that have charged annual fees ranging from $ XXXX/year. Being a 'reputed ' brand like American Express I have assumed that I do not have to monitor and ensure that all my rewards are being awarded to me rightfully. I recently found out by chance that a restaurant purchase had not received the 4X points. As I started to review my statement, I began to find NUMEROUS instances of this. I informed Amex about this, and over the next hour I went over every charge over the past few months and provided the agent a ) Restaurant names, 2 ) Dates and 3 ) Amounts of each of those transactions. Amex has informed me that I will be receiving the points for some of the transactions and that they are investigating the remainder of the charges that I have brought to their attention. This is a systemic problem and not one that has only occurred for the last billing cycle or two. Rather than offering a meaningful resolution to the issue. I have been informed that if I want all my rightful points, it will be my responsibility to scour the 1000 's of transactions I have made over the years, identify the charges that have not got the required rewards, make note of every one of them, and present it to Amex so they can then investigate each of the charges. Doing random audits of statements over time indicate multiple infractions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: MS
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 SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX XXXX EQUIFAX. 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXXI AND I AM GONG TO ATTACH EOB FROM MY XXXX XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM EQUIFAX, XXXX XXXX XXXX AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY CREDIT SCORE BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Diversified Consultants, Inc.
State: IL
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:
XXXX/XXXX/XXXX I received a notice from Diversified Consultants inc stating I owed XXXX XXXX to which I'am a current customer XXXX {$900.00}. I forwarded a letter to Diversified disputing this charge and requested verification of debt. I never received verification of debt and Diversified reported collection to Equifax, TransUnion and Experian. I contacted Diversified in XXXX to verify they received my letter and they responded yes and added note to dispute that customer disputes charges but did n't remove collection account from record. I also disputed information with all of the collection agency as well. on XXXX/XXXX/XXXX I forwarded a second letter Diversified to provide documentation regarding the validity of the debt or to remove from my credit report. To date, still have n't received anything and collection account remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?

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 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.

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 2017-11-04
Company: Experian Information Solutions Inc.
State: IN
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:
Wrong address on credit report. I have never lived in XXXX XXXX, KY.

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 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The ongoing problem that I have with Capital One is in regards to a fraud situation. While charges were authorized, the ability to use the card was predicated entirely on Capital One approving and applying deposits to the account. Without this approval, the card could not be used. Even though the account was restricted on more than one occasion, the deposits were approved. At more than one time, I was told that the only way the money would be credited was if Capital One spoke directly to the bank or the person who owned the account. Given the fact that the credits were applied and then consequently removed proves that they did not follow their own procedure. If they could not get this confirmation, then the credits should not have been applied. 

Capital One fails to explain or account for their failure to properly verify the deposits in a timely manner. Deposits that were approved in XXXX were returned as late as the middle of XXXX, well beyond any reasonable 3-5 day turnaround time. By the time that I was notified of any issue with the deposits, the account was already used based on the positive confirmation that credit was available. It was not until XXXX before I received any written documentation, and that was after I continually pressed Capital One for information. The fact that they take no responsibility for the credits being applied because they use a clearinghouse does not remove any accountability. The extreme delay in the approval of these funds and the removal of the funds makes the approval of the subsequent charges their fault. Their stance that it is not their problem is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX ( FICO ) - XXXX and Equifax are incorrectly calculating and reporting my credit score. I was told I have a " split '' Equifax file where when FICO runs an algorithm to determine my score sometimes FICO sends all information in my report and other times sends partial information. This inconsistency causes fluctuation in my score of more than 100 points monthly making it an unreliable and incorrect indicator of my credit profile and harming my consumer profile with creditors. Both companies are aware of this yet nothing has been done to address or fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The first week of XX/XX/2018, my debit card was misplaced at some point in an unknown location. I looked at my account and noticed dozens of charges at various locations in my state, some I frequent myself, some I had no idea. I called and filed a unauthorized charges dispute as soon as I saw my account information. It was investigated and I wasnt sure what was a normal charge I made and what was unauthorized/fraudulent because I was out of sorts at the time. I was refunded within the next week or so for almost a thousand dollars. I just got an alert 3 months later that my refund is being taken back on XX/XX/2018 and that my claim is closed for further discussion. I did not make XXXX dollars worth of charges and can not be dismissed with a simple " we looked into it and its your fault ''. I will go negative and suffer many overdrafts if this action is permitted tomorrow and it will take me months of being behind on Bills to catch up. All for something that is not at all my fault.

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 2018-09-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am writing for 2 reasons. one is i own XXXX XXXX XXXX XXXX XXXXXXXX XXXX in texas and we have been getting letters to a XXXX XXXX credit card letters no such person exists and it needs to be stopped. this is not my current mailing address please look into it. thank you second reason i write i got a letter about XXXX i disputed i cant tell what the status of it is by this letter or if it was credited not sure the account but it was from XXXX and i never got the merchandise told the merchant as well so i should not pay for it. please let me know the status. nd please credit sas it was never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: NC
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:
I have called on multiple occasions advising that the inquiries were fraudulent and I was directed by the companies to contact the credit reporting agency since I was affected by the past breach with Target in XXXX and the past Equifax breach when i put my information. 

The unauthorized inquiries are : XXXX XXXX Date XXXX/XXXX/XXXX ( This is unauthorized because I already had an auto loan with them no need to run my information XXXX XXXX Card Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Date XXXX/XXXX/XXXX Mariner Finance Date XXXX/XXXX/XXXX XXXX Main Date XXXX XXXX XXXX Main Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Department of Education XXXX XXXX/XXXX/XXXX XXXX I graduated in last XXXX XXXX and consolidated my loans they did not run my credit so i dont know what this is )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: MD
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:
It 's concerning inquires on my credit report for the past six months, that I have not had involvement with. I have noticed that my report shows 13 hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.

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 2018-09-06
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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:
I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX XXXX where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

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 2018-06-27
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've written a letter to dispute this several times to XXXX and XXXX   has yet to validate this debt from American Credit Bureau in the amount of {$260.00} from 5 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 2018-06-23
Company: AMERICAN EXPRESS COMPANY
State: MI
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 participated in the refer a friend offer from American Express for my XXXX card. I was to receive XXXX points per friend referred up to XXXX points per year. I referred a total of 4 friends and the XXXX points appeared on my XXXX and XXXX statements. 

They never were deposited into my XXXX XXXX account though. I have called 4 different times and have been told there was an issue with referral points posting properly and that they should be deposited within a few days. Each time nothing happens.

The terms clearly say that the points should be deposited in my account within 8-12 weeks. Those dates have come and gone.

Company response to consumer: Closed with explanation