BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reached out to Equifax Small Business on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to Equifax all they say is to go on line and file a complaint. The Bank is XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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: Other problem getting your report or credit score

Complaint:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

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 2020-08-28
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had automatic payment scheduled to pay mortgage byXXXX of the month on XXXX from my checking account to mortgage at Bank of America. However it did not pay until almost end of the day on XX/XX/2020. I called mortgage department and asked them why money was not transferred from my checking account to pay the mortgage as I scheduled automatic payment by XXXX of each month and I told them that I have a printed copy of confirmation. I was told that they did not find any information regarding automatic payment scheduled. So I paid {$1000.00} toward mortgage from my checking account on XX/XX/2020 ( confirmation # XXXX ). On XX/XX/2020 I found that they transferred {$1000.00} into mortgage payment from my checking account and my checking account was minus {$1000.00} in red. I called mortgage department and ask them to reversed the transaction and put {$1000.00} back to my checking account on XX/XX/2020. bank of America did not reversed the transaction and kept the {$1000.00} as XXXX mortgage payment and my on line showed next mortgage payment is due on XXXX. I called and talked to Bank of America may times but they did not fixed the transaction until almost end of the month. So I called Bank of America again to keep the transaction as I paid the XXXX mortgage payment because it was almost time to pay the XXXX mortgage payment anyway and it did not make any sense plus at least I paid XXXX mortgage payment on XX/XX/2020 will save me money on interest and they put that request to their escalated team ( supervisor ) .Bank of America did not followed request and reversed transaction on  XX/XX/2020 put back {$1000.00} into my checking account which cost me a lost of interest payment. Also I made mortgage payment of {$1100.00} ( extra {$100.00} toward principal : confirmation # XXXX ) with help of customer service from mortgage department on XX/XX/2020 but extra {$100.00} was allocated as unapplied fund. I called Bank of America to credit extra {$100.00} toward principal payment but as of XX/XX/2020 it has not just like XX/XX/2020 mortgage payment problem.

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 2020-10-03
Company: EQUIFAX, INC.
State: TN
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: Other problem getting your report or credit score

Complaint:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.

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 2020-03-12
Company: M&T BANK CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
credit information older than 7 year if neg is suppose to be removed.the account i had with m & t bank was removed from XXXX  and XXXX  with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with XXXX  and the company m  & t bank keeps changing the dates to XXXX and to 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 2020-03-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Bread Financial Holdings, Inc.
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:
I paid my balance in full and closed the card ( I have all the statements ) The following month they billed me for a misapplied payment ... .after the card was closed and all balances paid in full. They have been accumulating late fees without resolving the problem. I have filed a dispute with them but they have not answered the complaint with any proof that it is my responsibility. The latest statement is now {$110.00}, all late fees and my credit rating is being lowered because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03
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: Old information reappears or never goes away

Complaint:
Experian shows me as an authorized user on a XXXX XXXX XXXX credit card with an $ XXXX balance. I do not have any accounts with XXXX and Im not an authorized user on any accounts. I called XXXX   and they were not able to find any accounts tied to my name or SSN. They opened a claim to further investigate and I received a letter stating the same account information from the credit report with no additional actions or resolution. I called XXXX after receiving the letter and after about 30 minutes of attempts, they were not able to find any accounts tied to me. I filed a dispute with Experian, as this account is not showing up on the other two credit reports. Experian closed the dispute with no resolution and the account and balance is still showing on the credit report. Its not right that this $ XXXX balance is effecting my credit score when no one can even locate the account in any of their systems. Its clearly a data glitch that needs to be corrected.

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 2016-02-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month.

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