BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: BARCLAYS BANK DELAWARE
State: IN
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:
Payment in full was sent to Barclays in a negotiable instrument. I have emailed then spoke to customer service and recently with their management team. They have refused to take the payment which is legal and lawful tender. They have now said my account can only be paid with check or money order. Which no where in the account guidelines did it state that negotiable Instruments were not allowed. They have Chosen to Dishonor by Non-Performance. Barclays has dis-enfranchised me, causing me loss due to their negligence.

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 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of going through a short sale with US Bank Mortgage. I have an offer on the house but US Bank refused to acknowledge the offer. US Bank is asking for {$190000.00} but my house did not appraise nearly that amount. My realtor continues to request US Bank to decrease and accept the appraised amount, but they are in the process of denying it. The homes in my area are not appraising for that amount. I do not want to lose this buyer and I tried to do everything I could to share with them what's going on. I have a HUD partial claim on my loan which brings my total to XXXX. I only paid XXXX for my home. 

Please contact me as soon as possible.

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 2022-08-25
Company: CITIBANK, N.A.
State: TX
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:
Hi, I am writing in reference to the 2 reservations made with XXXX for a stay at the XXXX XXXX XXXX in XXXX. Due to an emergency and delayed travel we were unable to make our reservation on XX/XX/2022. However, after contacting XXXX we were told that our confirmations has been canceled and we had been charged for one night and taxes and the remainder of the money was refunded to XXXX. The XXXX confirmations were XXXX and XXXX. I received emails from XXXX stating the above facts which I sent to the credit card company ( Citibank ). Unfortunately, Citibank illegally sided with XXXX and gave them a charge back based on false information given by XXXX. I provided the information to XXXX as well and they fraudulent claim that they never received the money from Citibank which is not true since Citibank provided specific documents that the money was returned. I think both Citibank and XXXX need to be charged with fraudulent behavior since they lied about the resolution of the dispute and continuously lied to us about the resolution. We need to be refunded by these companies for lying and making us spend more than 6 months to resolve this issue. 

Thank you Sent from my 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 2021-10-05
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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:
Someone applied for credit and my information was ran 9 times on my XXXX, XXXX XXXX and experience credit report.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone applied for credit and my information was ran 9 times on my XXXX, Trans union and XXXX credit report.

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 2020-05-26
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Despite assurances that there would be accommodation for the extreme impact of COVID-19, during the pandemic, Bridgecrest has repeatedly called requesting money and payment stating that we were in arrears and other times stating that they would amend the contract. I am a physician who is dependent upon the vehicle and working as an appointed expert for the state of Georgia and the entire southeastern region for opioid substance use disorders and am responsible for ensuring that this high-risk group is also protected and not disenfranchised during COVID-19. Throughout this time I have yet to receivable any funding due from the federal government during COVID or before and expect to but not in a timely fashion. While every other lender or circumstance has been mutually amenable Bridgecrest has a call center that harasses for funds with no knowledge of COVID with no mention, when asked about, COVID forgiveness/financial relief. Additionally, I am a confirmed victim of personal and professional ( corporate ) identity theft complicating the issue further because regardless of the rights I am supposed to have been afforded and all the issues above are of no interest to bridgecrest. They will not allow me to speak with anybody above the initial calling individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX.This is Fraud ... someone stealing my name applying for stuff in my name

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 2018-10-11
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 have tried several times to get information removed from my report that was a result of identity theft. XXXX and XXXX have both abided by the laws outlined in rule 605B established by congress to help people in my situation. This verification was submitted over 2 weeks ago. As the provision clearly states all information must be blocked in 5 business days. This is willful disregard for both the law and the customer.

REMOVE OR I WILL FILE SUIT WITHIN 1 WEEK. I WILL ASK FOR DAMAGES SURPASSING {>= $1,000,000}. THIS IS ABSOLUTE AND BLATANT DISREGARD FOR MY FINANCIAL WELL BEING AND SO ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Stenger & Stenger, P.C
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stenger and Stenger, XXXX XXXX, Michigan took me to court for a credit card bill and I asked for proof of debt and the case was rescheduled. They mailed me copies of page 1 statements with a noted balance along with a copy of a standard " XXXX XXXX Customer Agreement ''. When we went back to court they said they would send me statement of fraud forms to fill out which asked me to write my name out 5 times. I have been a victim of fraud several times. The instances have included, but not limited to, social security numbers and taxes on two different occasions and most recently someone attempting to forward a debit card belonging to me to Florida. In no way am I comfortable sending several copies of my signature to a company whose business it is to unscrupulously collect debt from consumers. This is against the law because it is the plaintiff 's burden to validate debt. The court is not enforcing this and they both have the upper hand because they know the law and I do not. It is my opinion that the court and the credit collector are using fear and intimidation tactics to unlawfully gain money knowing that I am a layman in matters of law. Stenger and Stenger are refusing to validate the debt and instead hoping that I will concede out of fear or be made to pay by the court because I have no way of disproving their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from Experian and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate 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 2021-04-06
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from my mortgage loan officer, since I am doing a refi, that my credit report, from XXXX XXXX, my FICO score had dropped significantly by 60 points! 

He stated to me, as result of a {$300.00} Collections on my credit score that I knew nothing about, I know I had return all my XXXX XXXX  XXXX, equipment by XXXX on XX/XX/21. 

I have the receipt from the local XXXX store. It was late, do to me getting sick last year, I called XXXX XXXX XXXX, on XX/XX/21, about my return immediately! of all my equipment and to remove the collection on me. The representative stated, once the next cycle hits, it would be removed. It never did. 

I called XXXX XXXX XXXX a second time on XX/XX/21, to check if they notify Sequium Asset Collection they said they are still waiting for another cycle! I am frustrated now, so On XX/XX/21, I contacted Sequium Assets, the Collection agency, They would not remove or do anything. I returned all equipment and proof, but this did not matter. The representative stated, I had to pay to remove the collection, which he offered me 50 % discount, to settle the collection. 

I mistakenly, by pressure by the stress of this major drop in my FICO score, I paid it! 
This is wrong! 

I want justice! 

This is an unfair credit practices, by both XXXX XXXX XXXX and Sequium Assets, since I returned all equipment and had no ending balance owed by me for anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had several deaths in my family recently and had to assist with burials of several family members. This caused me to become delinquent on my mortgage, my mortgage servicer Flagstar refused to assist me with saving my home from foreclosure. I sent Flagstar mortgage payments trying to make the required payments. My mortgage payments were returned to me and a property foreclosure sale date was set. I've submitted request for mortgage assistance several times in the past months, but they keep giving me the run around stating they have didn't receive my documents or closing my mortgage assistance requests. I have recently resubmitted request for mortgage assistance with my financials again. 
My homeowner insurance company XXXX XXXX made a insurance payment to XXXX to replace my roof and repairs water damage to the interior walls and ceilings of my home. Flagstar refuses to disburse the balance of the insurance proceeds for the completion of the repair that I completed to the interior of my home. Flagstar has sent someone out to inspect my property for the completion of the repairs and I still don't have the check. Flagstar has been difficult to work with and they provide terrible customer service. I don't want to lose my home to foreclosure. I also cancel all court action pending the mortgage company processing my application. Please Assist me See attachments

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 2020-05-26
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 with XXXX XXXX XXXX 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 XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never 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 2020-06-03
Company: EQUIFAX, INC.
State: PA
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 with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. XXXX ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
Penfed closed the credit card I opened with them a few years ago and it has a huge balance which I try to make payments on every month but the app won't let me. I also have a savings account with them which I regularly make deposits almost every week. When I try to make a payment to my credit card through the mobile app, it won't let me. After the payment is due and they report it to the credit bureau, then they took the payment from my savings account. Because of that my payments with them is always late. If they can move the money from my savings account to the credit card after the payment is due, why they just let me do the payment on time or move the money themselves before the payment is due? They are destroying my credit score.

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 2019-03-06
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. 

On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. 

XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation