BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted my Citi Credit Cards on XX/XX/2020 to report that I was out of work and unable to make minimum payments due to COVID 19 pandemic by the due on XX/XX/20. I was told by one Citi Card that I would be put in a special program for consumers effected by COVID 19 so that my minimum payment would be placed at {$0.00} for 3 months ( XX/XX/20 ). My Sears Citi card told me that they did not have anything in place at that time for COVID 19 consumers but that they would waive all late fees occurred for my XX/XX/20 bill. On XX/XX/20 I received an automated call from my Citi Card that my account is passed due and that I had accrued late fees due to being late. I contacted the Citi Card, and was informed by customer service staff that there was no note of my call on XX/XX/20 and told me that they could not help me to remove the late fees or delinquency that had been placed on my account. I requested to speak with a supervisor and who got on the phone and told me that their system went down and that I would have to call back in 2 hours ( after I had been waiting on hold for two hours ). I did finally get through to a supervisor after I called back to- back. I was told that my account would be placed in a COVID 19 special program and that my account would not reflect as delinquent and no late fees would be assessed. On XX/XX/20 I received an email stating that Citi Card account was delinquent for a pass due amount. There was an option to request COVID 19 help attached to that email which I applied for. OnXX/XX/20 after the email that morning, I received an automated call from Sears Citi Credit Card stating that my account was pass due and has accrued late fees. When I called the customer service dept. I was told that same information- that there was no note of my call on XX/XX/20 and that there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. At that time Sears Citi Card did place me in a COVID 19 program to help with future payments but they refused to remove the delinquent account information and the late fees.

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 2020-12-18
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-07-14
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing has misapplied payments, payment amounts has an incorrect loan as well.

This started because my bank mistakenly cancelled my payment and so I received a late payment on my credit score. To resolve this I have called and messaged this company numerous times. 

I have overpaid most months, until this happened and was told that if I didn't have a late payment prior, it was usual to have the credit reporting favorably updated by different reps. No one was willing or able to help me or explain the outcome. 

Because if this I did a complete audit of my entire payment history to find out that they literally misapplied my money or didn't show a payment at all which impacts my over all balance as well as impacts my credit rating. 

I was advised there is literally no escalation path or someone I can speak with that can help me resolve or receive help. I am told that there is NO, NONE, ZERO escalation service or managers and that all teams are completely separated and calls can not be escalated or transferred.

Main discrepancies : Show a payment of XXXX in XXXX. First payment wasn't due until XXXX. 
From XX/XX/XXXX- XX/XX/2018 my loan was sold 3 times SLS payment of XXXX on XXXX was not actually applied to my loan balance for XXXX and my overall balance and interest have been incorrect since then My late payment in XXXX, which is where I am requesting that I am provided assistance to correct my credit rating doesn't show my payment on XX/XX/XXXX and XX/XX/XXXX for both months My XXXX payment of XXXX was misapplied to Interest in the form of XXXX and a giant leap in Escrow My XXXX payment has the same issue.

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 2023-05-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am submitting my complaint and i am very dissappointed whenever i saw my credit file with such an erroneous informations i had found and that are all unknown to me. I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any ITEMS which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I want you to know that I am telling the truth and by XXXX not deleting these items is inadvertently. The following items are such an error to my file that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are inquiries on my Experian and XXXX  that do not belong to me. There are also other content on my XXXX with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: OH
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 unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or XXXX-party database search. Please also notify the source who reported the item within XXXX XXXX after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems Provide verification of the following : XXXX. The original Application or contract ; XXXX. Any and all statements allegedly related to this debt ; XXXX. Any and all signed receipts ; XXXX. Any and all canceled checks ; XXXX. Original date of default and collection activity begin XXXX. Whether you purchased the debt, and if so, the amount paid for the debt XXXX. The date ( XXXX ) the debt allegedly accrued ; XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXXXXXX XXXX of the first contact.

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 2018-02-08
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CL Holdings LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XXXX I applied for XXXX  XXXX bankruptcy on a XXXX XXXX XXXX and it was granted this company has sold the debt to Jefferson capital and they have been harassing me after they got paided for the vehicle they are trying to get extra and even triple for the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay is trying to force modifications in lieu of simple 4 month repayment - this is predatory and lacks integrity on their pary In XX/XX/2019, my job became unstable and I knew I had to reprioritize pending a new job - during this time - Covid19 hit and I then lost my position - I have repeatedly tried to pay payments to Fay which they refused and stated all or nothing - finally, a repayment was discussed over the telephone and they agreed to consider. two weeks later, their option was a fully new loan/modification - exceeding my original balance 15 years prior and at a higher rate I declined and said I needed only a plan to repay 3 months and get current - Fay is abusing the issue and refusing payments of any kind. They are trying to force a modification or foreclosure - for a simple 3 month late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-29
Company: Santander Consumer USA Holdings 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:
I've sent in multiple pollice reports along with the ftc identity theft report. this company has yet to investigate properly or remove thee invalid debt information. I sent a letter to the. credit agencies and this company showing fraud. I am asking that this be removed from my report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX  XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I sent a letter to investigate this bankruptcy thats on My account. I asked that they VERIFY this information whixh they haven't. I sent it certified and notarized. Failure to not verify and or reapond is grounds for deletion. XXXX  has already deleted this. I don't want to have to take this to court but I will if this is not resolved ASAP.

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 2021-01-29
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TRANSWORLD SYSTEMS a collection agency has placed derogatory information on my credit report without due process, process to include, notifying me in writing regarding this alleged debt of {$1300.00} as well as never notifying me of my right to dispute or request verification / validation of this debt. The original creditor is : XXXX XXXX XXXX XXXX. 

This agency has placed invalid derogatory and damaging information on my credit report as valid when in fact it is not. 

My rights as a consumer have been violation pursuant to the FAIR CREDIT REPORT and FAIR CREDIT BILLING ACTs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In reviewing the company 's final previous response, it was mentioned an account was closed in 2015. The current account ends in XXXX. Previously, this current account was not closed in 2015. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I couldnt get any of my credit reports for some unknown condition

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 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Their investigation did not fix an error on your report

Complaint:
In early XX/XX/2020, I noticed that XXXX, a solar company with which I have a Power Purchase Agreement to buy power from panels they own installed on my roof, began reporting my PPA as a loan to Equifax, with an opening balance of {$22000.00}. This is being reported as an installment loan on my Equifax credit report. No such loan exists. I pay XXXX purely for the amount of energy its panels produce. There is no loan document that exists to support that this is a loan. I did not borrow {$22000.00} from XXXX. 
I have to date filed FIVE disputes with Equifax attempting to get this information corrected, and thus far Equifax has taken the word of XXXX that in fact a loan of {$22000.00} does exist. Although I have no way of proving something DOESN'T exist, I have submitted to both XXXX and Equifax documents requesting that XXXX produce a signed loan document demonstrating the existence of such a loan. Thus far, Equifax is only taking the word of XXXX ( who is paying them for credit reporting ) and seemingly ignoring my contention that no such installment loan exists. 
The arrangement I have w XXXX is such that I buy POWER at a specific kWh rate. There is no opening principal from which this should be deducted. And this " loan, '' under the terms as presented by XXXX, can NEVER BE PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, One XX/XX/18 I underwent a XXXX. I received a letter from XXXX XXXX XXXX regarding my dues and I paid them in full. 

Recently I received a call from the Rash Curtis and Associates ( collector ) regarding the balance due ( XXXX ) for that XXXX. I was told that the XXXX XXXX XXXX are separate and their bill was different. I called them and ask why I did not receive the bill and I was told that their address was incorrect. They did not include my apartment number and that is why I did not receive any letter. They collected the address from the XXXX XXXX XXXX and did not try to reach out to me ever to get the amount paid. 

I called the XXXX XXXX XXXX to pay them the bill directly but I could not because the billing department already sent it to collection. 

I can not use my XXXX card for collection and I do not want to pay extra money ( interest ) because they did not send the bill to the right address. 

Thanks in advance.

Company response to consumer: Closed with explanation