BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: MI
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 been disputing fraudulent information on my credit report. I have sent in information requested such as police report, id and social security number. Not all of the information has been removed and i dont know what else to do. It is fraudulent inquiries as well as accounts from companies, XXXXl XXXX and my personal credit union. I have been working with a special department at experian that us supposed to be handling the situation but is not doing a good job.

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 2022-03-02
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX, my spouse and I both received certified letters from Huntington National Bank that our mortgage was nearing foreclosure. Having no knowledge of an account with Huntington, the only way to discern that this might be real rather than junk mail/a scam was the certified mail postage stamp on the envelopes. 
After a XXXX search, I learned that XXXX XXXX  were recently sold to Huntington, and inferred that maybe our HELOC loan was one of them. 

My spouse called the XXXX number on Huntington 's letter the following morning ( XXXX ), paid the full amount, and is in the required paper-and-pen process with Huntington to set up automated payments. Huntington informed us that they have dinged our credit marks for the five months that they were unknowingly our lender. 

Prior to XXXX, we did not receive any communication from XXXX nor Chemical Bank who were processing our HELOC loan payments. Additionally, we had automated payments setup on our account which were not migrated to Huntington Bank. 

As such, we are disputing any negative credit mark that has been assigned to our credit reports during this period with an expectation that they are resolved in a timely manner. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with experian and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?

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 2022-03-02
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The creditor, XXXX XXXX XXXX XXXX of XXXX University, has contacted me repeatedly throughout XXXX attempting to collect a debt they allege I owe. I resigned from their organization in XXXX of XXXX. I responded to every email with a request for an itemized bill of my " outstanding balance '' but was never once received a response. My last contact with them directly was XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from TSI systems stating I owe {$190.00}. I later received what I believe is supposed to be a Notice of Debt from TSI, but it did not include any itemized or detailed information about the debt in question. It listed the account number and amount due but no further details. I believe the pursuit of debt in question is invalid on the basis of never receiving a requested bill in the first place, but it is my perception that TSI has violated the new regulations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I received an email inviting me to upgrade an existing American Express XXXX XXXX credit card to the XXXX version of the same family of cards, with a bonus of XXXX XXXX XXXX points after spending {$4000.00} within three months of opening the card. 

On XX/XX/XXXX I upgraded my account to the XXXX, completing the spending requirements on the same day in a single transaction. According to the terms and conditions of the offer, the bonus points should post within 6-8 weeks ( so, XXXX XXXX at the latest ). 

On XX/XX/XXXX I contacted AmEx 's online chat support to inquire about the points posting, and was told by the customer service representative that a 'case ' would be opened since no such upgrade offer appeared to be attached to the account. I was told that a resolution may take 6-8 weeks ( so at the latest, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx by phone to inquire on state of the case and the missing points, having never received any contact since XX/XX/XXXX. The rep asked me to upload the upgrade offer to a document-submission website, and I was told that a resolution should take approximately two weeks ( so, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx once more by phone to inquire regarding previous cases, to be told AmEx had deemed the matter a non-AmEx problem and that the only solution is to submit another resolution request with the same information - expecting another 4-6 weeks for a resolution. I noted that I would be submitting this information to the CFPB for review, as AmEx does not seem inclined to resolve the matter directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
4 years ago I had the XXXX XXXX account removed from my credit report. Somehow it keeps popping back up on my Transunion. I have tried numerous times getting the item taken back off but Transunion will not help me with this issue, or at least the person who was handling my case. I am a XXXX XXXX veteran and can't get the XXXX approval for modification of my home until this item is removed 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 2017-08-30
Company: EQUIFAX, INC.
State: KS
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 will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, EQUIFAX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 2022-03-02
Company: Guild Mortgage Company LLC
State: CA
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:
In XX/XX/2021 I gave permission to XXXX XXXX mortgage company to run my credit. XX/XX/XXXX a hard credit inquiry was done by XXXX XXXX mortgage company without my knowledge or permission. I called the company to complain and was told that my phone call would be returned. Over the phone I expressed how I did not give them permission to run my credit again.Because of my accusation I assumed they would not return my phone call and have yet to do so. Im currently working hard to fix my credit to buy a home but illegally obtained hard inquiries are hurting my credit and should not be allowed. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

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 2022-08-16
Company: Experian Information Solutions 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 XXXX, Experian, 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 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 2017-08-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, 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 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 2017-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After obtaining the home loan and monthly payment amount in XX/XX/XXXX, a cash plan set forth to pay every two weeks half of the monthly payment. The loan company from the first payment did not correctly disperse the loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the loan company placed three ( 3 ) to four ( 4 ) checks towards monthly payments, none to principal curtailment, then the following month only place one cash amount. The loan company then proceed to call and harass for late fees. The loan company would use the now later payments to apply for the month instead of the early payments, causing an extra two weeks of interest paid, instead of decreasing the principal. Not using the amounts accurately would lead to not recognizing the fourth curtailment within the year 's time. The company was contacted in XX/XX/XXXX when the first issue happened, and in XX/XX/XXXX, when the second issue occurred, at which time the loan company instructed that they are unable to process multiple payments a month and that the payment method needed to be changed. Each time the late fees were reversed but the loan placement was not adjusted leading to added interest being paid. The poor accounting practice of the loan company clearly shows actions slightly derail early payments and principal curtailment in favor of confusion and 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 2017-08-30
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation