BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello. Me as well as my partner and Im hearing co-workers have a continuous issue with XXXX bank Salary at sea card issued to XXXX XXXX cruises employees. Since we work for the cruise company clierly we travel a lot and quiet often having problem withdrawing money from ATM or making payments ( is being declined and banks charging you for that ) whether is restorant shop or online. Every time have to call the bank and they say you are in high risk area but they will fix the issue XXXX Ive never complain about any unauthorised transactions and keeping my card details safe ) however its never being fixt right away and you find yourself being embarrassed and looking for solution ( that often coast you more ) how to make a payment at restorant or shop or whenever you might be at the time. So you have to call them again ( from foringh country that calls are expensive ) and then they say that in that case you must wait XXXX-48h. So now you are abroad in situation where you need money but cant get any because of your banks issues. Nevertheless often XXXX.dont solve the issue and you still not able to get any money from ATM so you have to call them again and again. Often happens you simply cant even access your bank because it wont accept your call since you keep trying to call them it says you reached num.of tries. So you just spend you vacations stranded in one place with no money and not able to reach your bank nor that it helps when you do. Imagine situation where you find your self on a night out and not being able to pay your bill then you taking a taxi to ATM but any transaction being declined. Let me be clear-that not just happend once or twice its a constant sruggle even if you tell them you planing to stay in the country for a month few day later your card is not working again.

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 2019-10-18
Company: ALLIANT CREDIT UNION
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:
On my account XXXX, I redeemed {$89.00} in rewards in XXXX. I closed my card in XXXX. A full two statements has passed and I never received my {$89.00} redemption. I have called repeatedly and nobody has been able to help me. 

I've attached the last statement showing I redeemed {$89.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago! 
I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the  Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. XXXX. They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: CURO Intermediate Holdings
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXXK xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I attempted to purchase a home through XXXX back in XX/XX/XXXX. The Home I tried to purchase was XXXX XXXX XXXX in XXXX , TX , XXXX. The contract was written up and never thoroughly discussed with me, even when I asked specifics from the builder rep XXXX XXXX. I asked if the earnest money I placed with him would be retained for any reason. My response from XXXX XXXX was " XXXX does not keep earnest money ''. I went ahead and went through the partnering lender XXXX has, called Advisa Mortgage. The lender XXXX XXXX started to harass me by calling at inappropriate times at night. Due to this I complained and spoke with the lenders manager, XXXX XXXX. This resolved nothing but instead created more inconsistency between the home builder XXXX and I. I received an email from XXXX XXXX, XX/XX/XXXX stating " ..a DocuSign package from XXXX XXXX , this will have several documents that are required to process you loan. Currently your rate is not locked, we need you verbal or written communication regarding which option you want to move forward with. '' I did not agree to options given to me by Advisa Mortgage.I then received the DocuSign packages from XXXX XXXX on XX/XX/XXXX & the same one XX/XX/XXXX. The XXXX XXXX documents I did not sign due to wanting to discuss contracts and options in person with lenders.This was impossible with Advisa Mortgage. Advisa Mortgage company even wrote in an email to the home builder and myself on XX/XX/XXXX and said " Just keeping everyone in the loop, we are on track to close XX/XX/XXXX per the XXXX closing report '' .Communication with Advisa was completely unethical, the manager XXXX XXXX had approved a loan I did not agree to on XX/XX/XXXX. This created a " Default '' for me with XXXX home builder. XXXX sales rep XXXX XXXX failed to return any of my calls and did not reply until XX/XX/XXXX via email stating " XXXX XXXX is cancelling your contract and retaining your earnest money due to non-performance and default of contract ''. No specific action was explained to me as to why I defaulted. I still have no resolution for the evident inconsistency by XXXX and Advisa. I have attempted to communicate with both builder and Advisa Mortgage Services to come up  with a solution to our differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL 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 explanation
Consumer complaint received 2017-07-09
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
<P/>
Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
<P/>
I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
<P/>
I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
<P/>
I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
<P/>
Thank You, 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 monetary relief
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: FL
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:
Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.

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 2019-10-18
Company: EQUIFAX, INC.
State: LA
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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: Problem with personal statement of dispute

Complaint:
Experian has failed multiple times in providing me with the physical and original documents they have in their files pertaining to an alleged medical account ( XXXX XXXX and XXXX XXXX that they are reporting. I have questioned Experian regarding the validity of this account as well as to insure me to me that no HIPAA Law violations were acted upon a numerous of times and I simply receive the generic statement from Experian stating - " The information you disputed has been verified as accurate. '' Yet I have not received any proof as to how they are determining this alleged account to be " accurate. '' It is to my understanding that in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through PHYSICAL verification of the original signed consumer contract of all accounts you request that are being reported on my credit report. Experian has FAILED to do this! 
This law is very clear as to the Civil liability and the legal resources available to me for the " negligent noncompliance '' ( FCRA - Section 617 ) if Experian continues to fail at complying with this federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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:
I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.

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 2019-06-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
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 status incorrect

Complaint:
Equifax " reinserted '' an account back to my bureau on XX/XX/2019. 
The ( XXXX /XXXX  ) disputed account was removed between XX/XX/2019 and XX/XX/2019. I received an email stating my score increased 41 points. I have attached the copy showing this. 
" I was never notified by Equifax that this item would be reinserted ''. Equifax reported to XXXX XXXX when my credit increased the day the item was removed. However, several days later I received a new report that the account was reinserted which caused my score to drop 38 points. I called Equifax immediately and explained this error to several representatives on both XX/XX/2019 and XX/XX/2019 some of the names are XXXX and XXXX. I was on the phone and placed on hold with XXXX several times. Unfortunately, I was not assisted with my request to re-remove the negative account. The representative said the dispute was completed XX/XX/2019 and then stated it was verified by the creditor on XX/XX/2019. I was not provided details of how or why this information was reinserted, there were no documents provided to me from Equifax or from XXXX   XXXX  to warn me. I then spoke to the supervisor XXXX about the status of the disputed account he now says it is now still in process. Equifax is out of compliance because I should have been notified within 5 business days of the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went on vacation as a single mom with XXXX little kids to the beach in the summer. I am a law abiding citizen and always pay tolls. While my children were yelling in the back of the car, the road split and I was in the far left lane and didnt realize there was a toll. I had a feeling that I had missed a toll but wasnt sure. The next day when I paid another toll, I explained to the attendant that I wanted to pay for my possibly missed toll the previous day. She said that was fine and I paid the retroactive toll of {$0.00} for my previous trip. I asked her if I would receive a ticket in the mail and she told me no and that she would update my missed toll in the system. I never received a ticket and three months went by. I figured it was resolved and updated when I made the retroactive payment with the attendant. Today I received a notice of collection in the mail for {$55.00}. I went back and verified that it was the exact place and toll I had missed, which it is. Not only did they never send me an original ticket which is unethical that they increased a {$0.00} sent toll to {$55.00}, but I had already paid it to the attendant. I did my due diligence when it happened and went to pay the toll I had missed right after it happened. I was guaranteed that it would be updated and now they are trying to turn a {$0.00} ticket into {$55.00}. Thats theft! Im frustrated and hurt by this. I live out of state and I just want this to be resolved. I have my receipt showing that I went back to pay the toll shortly after I missed it. This is so unethical.

Company response to consumer: Closed with explanation