BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted 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 2021-07-31
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed Belks account multiple times with XXXX  for inaccurate reporting but XXXX  continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX XXXX  is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX account multiple times with Transunion for inaccurate reporting but Transunion continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX Transunion is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXX  XXXX {$9400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Other fee

Complaint:
Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX servicing and XXXX remain on Equifax report after several complaints filed with Federal Consumer Finance and over XXXX documents, filed proving fraud and theft. 
Please also find pictures of documentfiled. in the XXXX th district court XXXX Pa XXXX XXXX person. for XXXX seperate banks XXXX of them being bankrupt at the time this was posted. please. 
Note that XXXX XXXX XXXX was never listed as having a right to collect this morgagealso note the expired notery stamp by 3 years. 
also Please note that XXXX XXXX XXXX who collected my morgagevpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was unemployed for the past 4 months. In that time I was unable to make my monthly payments and called Navient several times to attempt to make some kind of payment arrangement/postponement to avoid my account becoming past due/delinquent. XXXX sympathy and XXXX payment arrangement options were available. I got a job a week ago, called today to make another attempt to bring my account back to current. Spent a total of XXXX mins. on the phone being transferred around!!! Not even waiting, simply being transferred. Only to be told that they ca n't do anything for me this month. I am now working 12-13 hours a day and now have to find a time to call back next month to set up payment arrangements since that is when I will be able to start making payments again. Navient is a Mega corporation -- they ca n't postdate a payment for 2 weeks from now because it 's the wrong month?!! Every other company I have any interaction with does! 

In addition, the reps all have given different and contradicting information every time I call. One rep will tell me I 'm available for this program and not that one, and the next time I call I 'm told I am ( without anything having changed with my financial situation ). Also, one rep told me I could not change my payment dates when I asked to move my due date to the XXXX of each month because the XXXX was too difficult to manage since it 's only two days after paying rent -- today I called, and the rep I spoke to said I could do that no problem. That is a not so minor detail that could have saved me many late payments in the past. These guys are pure evil. They do EVERYTHING to set you up for failure. Not to mention that now my credit score is ruined and I owe $ XXXX then what I originally borrowed just from the interest they are charging me. I do hope karma exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  representing Barclayphone number XXXX continues to call my employer after I requested that they send me in writing to my address the basis of the debt. I requested they not contact my employer as they have my contact information. This debt is at least 10 years old. I contacted every debtor after I returned from work from XXXX after 7 years and settled even though exhusband filed bankruptcy. This debt shows up no credit report and have asked for documentation. When I call them they are threats even though I asked them to send in writing or take me to court. I first heard from them inXXXX asked for it in writing they said I had to settle over phone. Nothing for about 6months and then my employer called me today saying they called. I called them they were very rude and I requested again to not call my employer or family and friends as they threatened. They have not contacted me directly even though the read off my contact information correctly including address and phone number. I want this harassment to stop. I asked them to mail me the information so I could look it up in my records. They just scream at me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with Bank of America and was informed that my credit has to be at XXXX and it is currently at XXXX. I have been a customer with BOA for 14 years and I am considered a platinum preferred customer based on the amount of funds in my accounts. Every time I have applied for anything at this bank I have been denied and Im sure its because Im a minority. I have been informed that my credit score actually has to be at least XXXX per other lenders. I have also been discriminated against years ago when I applied for employment. I will be taking my funds from this bank as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: NC
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:
For whom this concern, I have been really XXXX XXXX XXXX XXXX to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the XXXX site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the XXXX off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.

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 2016-12-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA

Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NC
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:
XXXX  is reporting that I have two accounts with them one I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}

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 2020-03-31
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: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX   XXXX XXXX {$1000.00} XXXX  XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}

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 2016-08-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1-I have been making extra payments to the principal and my mortgage lender doesn't apply it in the right time, they put the money on my mortgage loan at their convenience, 2-beside that, I requested the cancelation of the escrow payment in my mortgage bill due to they don't pay in the right time period or sometimes they make 2 payments to complete 1 of the property taxes, when they took my money already to make those payment, 3- after I was approved of the cancelation of the escrow payment in my bill, there was remaining money the mortgage lender was suppose to have refunded me so I can make the next property tax bill payment and since XX/XX/2021 Gregory Funding , has not sent me any money back. The total of {$410.00}.

4- I have been making many calls to Gregory Fundings customer service and nobody will help me, they alway say ... oh I will escale your case, oh I will call you back to follow up your case, and never happen, they don't care about the customers at all 5- On the bill statements they put the money on suspense-unapplied, so they don't put the money in the correct day of the mortgage payment date.

Company response to consumer: Closed with explanation