BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was travelling at the end of XXXX and the payment was due early XXXX. I did not have data access ( just calling ) due to cell service. I called citi and they told me the payment was due XX/XX/XXXX. I logged in and paid the full balance on XX/XX/XXXX. 

On XXXX I find out Citi hit us with a late fee plus residual interest all because the payment date Citi told me was not right. I used Citi 's chat tool to discuss with a person who stated my payment was due on the XXXX, I pointed out I paid on the XXXX and that is exactly what Citi told me on the phone. The rep than changed the date it was due again. Citi is refusing to correct their mistake. XXXX  years with this card and XXXX late payments until now. This one was caused solely by Citi lying about the payment date, if they had told me it was due a different date, I would have paid it a day before that one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code XXXX US Law | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used was debit card was at XXXX XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish my XXXX shopping. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, my credit score was XXXX On XX/XX/XXXX, I was trying to obtain a mortgage and was advised my credit report for equifax showed frozen. I called Equifax they stated my credit file was not frozen. I advised the lender and they obtained the same result. On XX/XX/XXXX, attempted to pull again with the same result. I contacted equifax again and was told they did not have a freeze and there is nothing they can do about this. I was unable to move forward with a mortgage. 

On XX/XX/XXXX, my score finally showed up again as XXXX On XX/XX/XXXX, I went to XXXX XXXX motors to obtain a car loan and they was unable to pull my credit. I called Equifax and was told my file was not frozen. I continued to get denied due to the report stating frozen by the consumer. After 3 hours and multiple calls to equifax I was then told by an equifax rep the name XXXX is shown as my middle name which was never my middle name. XXXX was my last name prior to getting married XX/XX/XXXX. I asked equifax why was that done and they had no explanation. I then advised the dealership and they included the name and my credit file was able to be pulled. Equifax advised me to send proof of identity with the correct name. I sent this information via certified mail. I also sent it by fax and was old it was not clear. I resent the information to equifax and the representative stated that it was able to be read and will be processed. 

When I begin to be frustrated about this my score decreased by XXXX points with no change to my credit file putting me at a XXXX. 

On XX/XX/XXXX, my score dropped XXXX points for paying down a credit card On XX/XX/XXXX, my score dropped 4 points for an inquiry when I was out the country and did not give any permission to have my credit pulled On XX/XX/XXXX, my score dropped another XXXX points with no change giving a score of XXXX It appears that I am being discriminated against by equifax. When I want to obtain credit my file can not be pulled as they continue to use XXXX as my middle name after being proven several times that is not my name however, they continue to decrease my credit score causing me a total of XXXX lost and placing me in another credit category. I have no delinquencies and my score is showing as if I did not pay my bills and Equifax has ignored the issue but rather punish me for being frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband and I were given a verified pre-approval letter by Mr. Cooper for XXXX. 

On XX/XX/XXXX we were given an updated verified pre-approval letter by Mr. Cooper for XXXX. Mr. Cooper stated that this letter meant that we were through underwriting and our income, our financial statements, and all other income related items were reviewed. Our Loan Offer, XXXX XXXX stated this letter was " as good as a cash offer ''. 

We proceeded with the home buying process for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We offered XXXX ( which was well below the ceiling of our approval ). We ordered and paid for a home inspection, paid an escrow deposit, paid a holding deposit home insurance ( California XXXX XXXX ), paid for the appraisal, the seller updated the septic tank, and made updates per the appraiser, and moved out of the property in anticipation of the upcoming close. We were set to close on XX/XX/XXXX. On XX/XX/XXXX, one day before the close of the home, we were told we were denied due to my employer type. I work for a XXXX XXXX XXXX ( XXXX XXXX ), and the Loan Officer told me the underwriter excluded my income. 

I had the same employer throughout the entire process. Nothing changed from the time they issued the " verified pre-approval '' until they rejected my income on XX/XX/XXXX. We spent one month working towards the close of the property and Mr. Cooper never once mentioned that my employment type or length of employment was an issue. This is poor business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: WV
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: Problem getting your free annual credit report

Complaint:
My last credit report with equifax was on XX/XX/2022. 
I tried to get approved for a mortgage and no one was able to pull the report. The mortgage company even tried calling and they got a fraudulent error. 
I called equifax several times and they said there was XXXX issues and nothing fraudulent. 
And didnt know what the issue was. 
They had me fax in documents and then told me to wait 14 days and said they never received them and to try again in 30 days. So I called back and they said they didnt have them. I faxed a second time and still said they didnt receive them. 
After making several calls they somehow got my name wrong. I tried to dispute this and it has yet been changed and has been almost 90 days without resolution and Im still unable to purchase a home. 
I tried free annual report and it gives me error code NH and tells me to call equifax. 
Iva asked to speak with managers and theyve hung up on me and refuse to help. 
My XXXX and XXXX report are fine. Its just equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent a certified letter to Free annual credit repair requesting all three bureaus to send me a free copy of my report. Free annual repair never responded or sent me a report..

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 2022-08-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent a certified letter to Free annual credit repair requesting all three bureaus to send me a free copy of my report. Free annual repair never responded or sent me a report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In early XXXX I became aware of identity theft associated with my personal information, via an alert from XXXX XXXX. This prompted me to immediately attempt to retrieve my credit report first from each of the three main credit reporting agencies XXXX, XXXX, and Transunion. 
When I attempted on Transunion website the questions asked to verify my identity didnt pertain to me XXXX, In XXXX of XXXX you opened an account with which of these three institutions? those security questions didnt pertain to me. Likewise, the site wouldnt accept my email or phone number to send an email or text a code to. I was blocked from obtaining the result I desperately needed to achieve. 
Because it was the middle of the night, I tried to do so through XXXX however I was met with the same exact situation. On XX/XX/XXXX I tried to call their consumer relations center. The first person I spoke to was named XXXX. XXXX and I had a really difficult time understanding each other due to a language barrier because Transunion has outsourced something as important as this. XXXX transferred me to someone else this person was also unable to assist so they transferred me again. This person was unable to help me, and I would like to add this is most likely due to the language barrier we all had. 
I went online to the online chat. This agent told me there was system maintenance needed on my file and that someone would reach out to me within 24-48 hours. It is now 11 days later, and I STILL havent even been able to pull my credit report let alone place an immediate security freeze on my account meaning my account is still fair game to steal from and my credit is getting worse daily.

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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife and I share a checking account. We both requested new debit cards in XX/XX/2022, as the previous ones had expired. Upon receiving them, we never used them. On XX/XX/2022, we were charged by : Merchant name : XXXX Merchant information : XXXX XXXX Amount : - {$19.00} Type : Debit Card We immediately locked both debit cards and contacted Bank of America letting them know this was a fraudulent transaction. They credited us back the amount charged and said they would investigate. Another fradulent transaction was attempted against the other debit card, but was blocked due to it being locked. We requested that they block all transactions from this merchant. They cancelled our debit cards, we destroyed them, and they sent us new debit cards, which we never used. 

On XX/XX/2022, we were charged by the same merchant : Merchant name : XXXX  Merchant information : XXXX XXXX Amount : - {$25.00} Type : Debit Card We again locked both debit cards and contacted Bank of America to let them know it was another fradulent charge. They said they will credit our account, block the merchant, and send us new debit cards. We asked to speak with the Bank of America security department, as it doesn't make sense how our cards, which were never used and are carried separately, were each fraudulently used on XXXX different days. We were told Bank of America does not have a security department. We're concerned that Bank of America, or whoever they use to supply their debit cards, has been hacked, as there is no other explanation how these transactions could have gone through, as no one should know our debit card numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: AL
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:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Navient acct XXXX reported that I was late 3 times and that is inaccurate because my student loans have been in deferred status and never in repayment status credit reporting needs to be updated to reflect that I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. 

I paid my XXXX account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the XXXX  stores are closed across the country. 

Another account XXXX Bank Paid in full sold to XXXX and XXXX, PL. XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXX XXXX  XXXX IN XXXX COMPLETED THE XXXX  XXXX, XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXX OF XXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX  XXXX IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A XXXX  INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW 400-500 AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to US Bank for {$520.00} on XX/XX/XXXX towards my credit card. And it has not applied yet. This is the second time happening my money keeps disappearing. I call them they first kept telling me that they dont see the payment I think that was about 6 different people. Then I mentioned to the supervisor that I was going to file a lawsuit immediately she found it and found out that there system messed up! and that shes glad she found it and that this is simple she will refund my money back to my card I paid it with and plus the XXXX {$41.00} return fees that was changed for nothing and it will be back on my card 3 to 5 business days which was XX/XX/XXXX still nothing. I called back Friday XX/XX/XXXX a different supervisor said I h shes sorry that she put another rush in that will take 2 business days still I havent seen my money. It was debited from my account on XX/XX/XXXX 3 days after I made the ach payment :

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 2022-08-23
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage received management for my loans from XXXX. They have been instructed by the Department of Education not to contact me and instruct me to resume payment after the national federal forbearance. They called me several times in XXXX requiring me to contact them regarding starting repayment. When I checked my loan status last week it shows that payments are supposed to resume on XX/XX/XXXX. Not only does the go against the Department of Educations instructions it does not meet federal guidelines including receiving a letter at least 21 days prior to resuming payments. Their website has an alert for me stating that my forbearance ends in XXXX days and shows in several places that repayment is required to begin on XX/XX/2022. I have screenshots of these communications in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX XXXX & # XXXX To be honest with you, I have no idea regarding this company because if my student loans were sold or transferred to someone else I would have gotten a letter etc. I never got anything from my original lender etc. I have no idea regarding this company etc. I've tried reasoning with them to let them know I was never informed etc. 

XXXX XXXX-I 've filed with all three bureaus and of course, nothing was done with them- certified mail never heard anything back. Looked at my report all they stated is the other party disagree. I requested specific documents with my signature but never got anything back from the company and the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medicredit has been posting a medical collection they say I owe since XX/XX/2022. Monthly, they have been updating my credit report so, naturally I assumed with the new reporting rules that went into effect on XX/XX/2022, Medicredit would cease its reporting and remove the debt they are claiming I owe according to the new medical reporting rules that per XXXX, XXXX and XXXX states " The time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. '' went into effect on XX/XX/2022. 

However, instead of updating my report in accordance with new reporting regulations, it appears they have simply decided to stop reporting all together with the last update being XX/XX/2022. And though they are no longer updating my report monthly, the debt remains on my report thus I am not granted the ease of hardship caused by an unexpected medical emergency that millions of Americans such as myself were expecting.

Company response to consumer: Closed with explanation