BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This now I have been fighting with and I have writtten emails and responses. This is COMMENITY bank overstock store cardI have Other commenity store cards that over the last 2 yrs my credit line has went up even in XXXX of 2021 applied at a different store and my credit line was opened at XXXX dollers. so why commentiy decreased my over few months and in XXXX decreased is to XXXX dollers never missed a payment and every time I ask WHY? write a letter I did got the same generic response due to info recieved from one of your credit repoerting agebcys... CONTACT them. What I reply why? so I do then am told what I know as my score ans all is correct I need to contact them. I reply I was told to ask you what info you send to them. NO NO NO mae We update what we recieve not the other way around contact the card issuer. I do again and told again contact your credit buerous. I do again I am told they have nothing to do with sending any information contact credir issuer. I have did this and Like I said have proof run around not since XX/XX/2021 no answer. also I asked ok I know what ever your doing is incorrect I know my credit score you might have me confused with someone else. I was tols again write a letter I recieve same generic response. also I ask WHAT ID I JUST REQUEST a limit increase so you can get current info. Is it a hard or soft inquiry? commenity response.. ( I dont know ) contact your credit bureau ... What again going in a circle. You dont know? No we dont have tht info write letter or secure email wich I did and again same resonse. So DONT THEY HAVE TO TELL ME IF IT IS A SOFT OR HARD INQUIRY>???? Before I do that? And there information is wrong it makes no sence. and my credit bureau HAS NOTHING TO DO WITH IT How they keep telling me ask XXXX, XXXX and CONTACT XXXX for questions ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I had savings account and XXXX CD 's with CIT Bank ( XXXX. XXXX XXXX, XXXX, MO XXXX ). These accounts were closed in XXXX. I waited and waited for XXXX XXXX. Finally, on XXXX XXXX, XXXX, I called CIT Bank ( CIT ) and discussed this matter with XXXX who told me that all XXXX 's were mailed on XXXX XXXX, and that the XXXX should be coming soon. I waited and waited again, but, no XXXX until XXXX XXXX when I called CIT Bank again and discussed it with XXXX who blamed it on the post office. I then asked XXXX to overnight to which she agreed. I told her that CIT is closed for me and I am not allowed to do business with the bank. I waited again and looked for it every day. 

On XXXX XXXX, XXXX, I called XXXX again and discussed it with XXXX who gave me the shocking news as follows : A ) The XXXX was mailed on XXXX XXXX and not on XXXX XXXX as promised, and B ) The XXXX was not mailed by overnight mail as promised but by ordinary mail. It is beyond my understanding that why CIT will abuse its customer in this fashion. First CIT violated IRS law by not mailing XXXX by XXXX XXXX. Second, CIT promised to overnight. CIT did not overnight, nor CIT informed that the XXXX will is being mailed after 4 days by ordinary mail. 

It should be noted that CIT terminated all my accounts in XXXX and I cut me off from the bank business ( another story that is irrelevant here ). I will submit ( by fax ) the termination letter for your information and action. I had no access to the information on the web site due to termination of my accounts. I had to cancel my appointment with my tax accountant 3 times. I will probably get XXXX around XXXX XXXX or XXXX. I may not be able to file my tax return within the time since I have an overseas trip coming soon that I can not postpone or cancel without losing hundreds of dollars. I will cost me extra money ( {$150.00} to XXXX ) to file addendum tax again. I want CIT to pay this cost amounting to {$150.00}. 

How can a bank delay XXXX delivery and get away with it is beyond me. CFPB should not tolerate this kind of behavior. CIT has made my life miserable causing extreme frustration, economic loss and loss of my precious time. Their license should be cancelled. They keep on violating XXXX law repeatedly. 

I am a XXXX American who feels extremely helpless. I just can not take any more abuse. CIT has put me and my wife to tears. Your help will be God sent. 

Sincerely yours, XXXX XXXX XXXX Attachment : Termination letter to be faxed later ( I do not know the fax no. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. 
XXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. 
Feeling like I have west nile virus is not a " routine '' thing. 
The hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. 
Then I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. 
I do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive already sent a dispute to both XXXX and Experian on XXXX. Neither has done a proper investigation into my claim. Both have returned verified with out contacting the debt collection agency. It is my right to have 100 % accurate information on my report and both have failed to investigate my claims. Ive already filed a complaint and nothing has been resolved. I requested verification form XXXX XXXX and was provided an expired XXXX  month lease as validation. As I know the burden of proof is on the debt collector for them to investigate line item by line item to make sure that all information is valid. they have not.

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 2016-11-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One the date of XX/XX/22 I mailed out a dispute on several accounts and attached an FTC report, I also file a complaint through the CFPB on XX/XX/22 with complaint ID XXXX. It has been over 35 days and I have not received any mail pertaining to my dispute. I have disputed these unauthorized accounts listed on my credit report and there has been no notation made on the accounts, showing they are disputed. My life has been a mess by you reporting these inaccurate accounts on my credit report, I still have not been able to be approve for a home nor am I able to be approve for a loan to help provide for my family. I have tried on multiple occasion to get you to remove these unauthorized accounts from my credit report and I continue to get ignored. I HAVE PROVIDED PROOF OF FAILURE TO NOTATE IN LETTER ATTACHMENT

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 2022-05-06
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid an escrow balance off to keep my monthly payment the same, which they told me it would and as I've done for years. The escrow papres gave me a choice of two different new payments, but I called them and got the greenlight to pay escrow ( {$250.00}. and change ) but they went ahead and raised my monthly payments ANYWAY, thinking I wouldn't try and resolve it. Well, XXXX. I'm not having it, tell me one thing and do another. They keep this XXXX  up and somebody is going to get hurt, I do play that XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XX/XX/XXXX however, no activity has been made on this account since XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Utah System of Higher Education
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my student loan servicer, UHEAA ( Utah Higher Education, Assistance Authority ) claimed that I had late payments on my student loan. I was a XXXX at this time and was in no way required to be making payments on my student loans. After finding this mistake on my credit report in XX/XX/XXXX, I contacted UHEAA to help correct this mistake. I was asked to submit documentation of my full time enrollment status ( transcripts ) to UHEAA, which I did. I also, at this time sent documentation to XXXX credit bureaus along with a dispute on this matter. Over our conversation on the phone, the representative with UHEAA was able to see in their own database that this was a mistake on their end and assured me that this would be removed from my credit report by the end of the month when they send their next set of reports to the credit agencies. Months went by and these late payments are still haunting my otherwise perfect credit score. I have contacted UHEAA numerous times to follow up and every time they have assured me that things are showing correctly on their end. I have also disputed again with TransUnion and Equifax and both reports have come back stating that UHEAA is showing up to date information regarding my account, yet the late payments are still being held against me! HELP! I have never made a late student loan payment! This mistake is dragging my score down unfairly. I do not know what else to do to get this issue resolved. Every time I contact UHEAA I speak with a different customer service agent regardless of the many times I ask to be connected with an account 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
Consumer complaint received 2022-10-06
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband lost his job during XXXX and we filed for forbearance with our mortgage company Flagstar. Once we were able to resume payments, we contacted the company and started the loan modification process. We were given terms and asked to make 3 months worth of payments to show we can resume regular payments. We did that successfully and then were sent a loan package. We had the documents notarized and sent back to Flagstar before the due date. After some time I reached out to them to set up autopay on the new loan amount only to be told the loan had been terminated! After many hours on the phone, Flagstar admitted they had indeed received the documents on time, but that due to some clerical error on their part it was terminated and we had NO RECOURSE. We tried to continue to argue our case, but were on a hamster wheel. We spent well over 20 hours on calls ( that can be documented with phone logs ) and finally out of sheer frustration and warnings of losing our mortgage by Flagstar we reluctantly accepted a second modification at a higher interest rate. We made the three months of payments on this recent modification as required. Then we received the modification package and returned it ahead of the XX/XX/XXXX due date, the documents were in fact received by Flagstar on XX/XX/XXXX at XXXX ( documents and tracking info attached ). 

I called Flagstar this morning, just to confirm that everything was in order and was informed AGAIN that our loan has been terminated due to not getting the documents on time! I had the agent confirm that they were in fact received on time, I then asked for a supervisor and was connected to XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX  XXXX confirmed our documents were in fact there on time and did not have an answer as to why our loan was terminated. He said it would be sent to the underwriting department and they would fix it. 

We did this song and dance the first time around. We trusted the system and believed that Flagstar had our best interest. That was absolutely not the case. We feel strongly that Flagstar is purposely introducing errors to cause delays in the process and force consumers into higher rates. There was no effort on Flagstars part to rectify their initial admitted error and they are now trying it again! 

This time we are going to take action which is why I am filing this complaint. 

I can provide all pertinent information as needed.

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 2022-05-06
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: Account information incorrect

Complaint:
I have tried to resolve this problem with the collection agency XXXX, XXXX XXXX XXXX XXXX, and Experian. Everyone wants to blame the other. The account has been paid and should reflect a zero balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.

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 2015-08-02
Company: Early Warning Services, LLC
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have issues paying our mortgage EVERY month with Ditech. They are not helpful in the least. We sent our mortgage payment online through our bank on XX/XX/2016. The only reason that we did n't send it by the XXXX is because we were out of town and did not have access to do so. The bank showed our payment as processed on XX/XX/2016. It is now XX/XX/2016 and Ditech still HAS NOT applied our payment to our account. It has been 10 days now since we sent it. Their customer service rep can not tell me why it has not been applied. In 2 more days we will be hit with a late fee from them. Do I have to pay my mortgage payment an entire month ahead of time for these people to process it on time? I feel like we are intentionally being set up to be hit with late fees. I was told that we could dispute the late fees by explaining our side of the matter via FAX. The issue is that we should not be hit with late fees in the first place. I think this company holds onto the payments they receive, but do not process them when they receive them. I believe they are intentionally doing this in order to hit people with late fees. If I send a FAX disputing the fees, I doubt it will do me any good, since they do n't seem to care what their customers have to say. We do not have this issue with any of our other online payments. ONLY DITECH. Someone needs to investigate this company and their manner of doing business. Personally, I am sick of this. When we have the opportunity, I am strongly urging my husband to refinance our house with a different company. I never want to have to deal with these people again. Something needs to be done to protect the consumer here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: SECURITY FINANCE CORP
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.

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