BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: GA
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:
I'm trying to access Equifax. I've signed up to their web site. But system showed me an error about my account after some verification questions. Non of questions were related with me. I have accessed a person by phone to take help ( which was very difficult ) they told me to send some documents as an identification proof. I've sent them 3 weeks ago. Nothing has changed. Later, I've accessed by phone again. They told that they did not receive or they did not start evaluation about my documents. I've learned my Equifax credit reports from an app ( XXXX XXXX ). There are some hard inquiries and I will dispute them. When I start a dispute process on Equifax web site, it warns me that I have an account and I must login. But when I login, system tells to call a number to solve verification problem. Now I'm in a vicious cycle. And Equifax is doing the worst..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. 
THE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-08
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 three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX XXXX 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 2018-01-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Neighborhood Autos, LLC
State: LA
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:
Wise Credit , LLC intentionally and fraudulently reported 2 payments to XXXX  30 days late and caused my credit score to drop 48  points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX  of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was 15th  days late and they still reported the payment 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX intentionally and fraudulently reported 2 payments to Experian 30 days late and caused my credit score to drop 48 points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was XXXX days late and they still reported the payment 30 days 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 2016-02-18
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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:
I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: MO
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:
XXXX still reporting negative information on my credit report when I have been in an active Chapter XXXX bankruptcy since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for an American Express Gold Card and was accepted, the splash page of their website advertisement says nothing of the XXXX bonus points not being available if you 've had their gold card at any time in the past ( XX/XX/XXXX for me ). I 've also received a typed advertisement for their American Express Platinum Card and no where in this promotional advertisement ( that I can find ) does it state if you 've ever had their Platinum Card in the past ( XX/XX/XXXX for me ) are you not eligible for the XXXX bonus points that is part of the offer, and yet the American Express Customer Service representative, supervisor, and manager has explained that this would indeed be the case for their Platinum Card as well. 

I 've been duped and I do n't like it. This is false advertisement at best. This has caused me to acquire an unnecessary inquiry on my credit file. I quickly closed the Gold Card account that I was approved for, and will pay it in its entirety once I am billed. While the manager herself explained it 's one of the most challenging and difficult conversations to have with their customers and apologized, and also states this harms American Express ' brand, this does not make me whole. Removal of their inquiry and the account from my credit bureau is preferred, and {$250.00} or the functional equivalent. Conversations XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and manager call back XXXX XXXX, XXXX XXXX XXXX 15min 29sec.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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 information incorrect

Complaint:
The following account was opened in my name, and without my permission or knowledge, XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reported this to the creditor, they claimed that the onus was on me to prove that this debt was not created by me. I informed them that this account is not mine, and it has done harm to my financial viability, and I stated that I would like them to remove this negative mark from my Experian credit file immediately.

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 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had my money from unemployment and they allowed someone to spend 8000 out f my account there were reoccurring charges coming out which they where told they were not mine but they continued to take them out I filed a dispute for every charge then was told the charges were valid cause it was name and my up they stole my identity

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 2017-05-30
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan in question was not properly coveyed to the rightful lender because they went out of business Even though I brought this information to the  citii  mortgage and th foreclosure attention , .I 'm  reaching out because I 've tried obtain a loan modification fro m citi mortgage  and they have place me in foreclosure.

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 2016-09-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
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 information incorrect

Complaint:
The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.

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 2021-08-24
Company: DISCOVER BANK
State: NJ
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. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. 
I typically send additional principal payment along with the mortgage amount that is due each month. 
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. 
To avoid that I pay after XXXX the month before XXXX. 
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. 
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. 
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. 
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. 
XXXX stated I would be receiving a record of my mortgage payments for this year. 
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year

Company response to consumer: Closed with non-monetary relief