BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
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:
XXXX incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which XXXX agreed to but they still reported my payment late this decreasing my credit score with Experien and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.

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 2022-02-17
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow up to Caliber Home loans complaint filed on XXXX Documents to support my in initial complaint. 
1. Letter from Caliber detailing my approval for forbearance deferral and increased mortgage amount and payment date. 
2. Proof of full increased mortgage payment and date from XXXXXXXX XXXX which caliber claims I did not make or they put it towards the forbearance amount. 
3. Letter from XXXX  XXXX XXXX closing my CC because of Caliber 's atrocious Credit Bureaus Reporting against me. 
4.Letter from Caliber demanding {$36000.00} on XXXX or face foreclosure. 
THIS IS WHAT I AM CURRENTLY FACING WITH CALIBER HOME LOANS AFTER BEING IN AN APPROVED FORBEARANCE PLAN AND PAID MY FULL INCREASED MORTGAGE MONTHLY PAYMENT AS REQUIRED ON XXXX WHICH CALIBER APPROVED AND ACCEPTED.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
State: MA
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:
We got a bill for an annual fee for Citi Advantage card that we no longer used so we closed account. We have all our cc on paperless and pay in full monthly. So we saw a debit to our bank account for {$99.00} in XX/XX/XXXX and did not know what it was. So we contacted our bank XXXX and they said it was from Citi. We contacted Citi and using both my SS number and my wife 's they could not see any account in our name that we paid {$99.00} for. So XXXX returned this to our checking account. 
Three months later I received a collection letter for {$210.00}, with no mention for what. I found out after hours of calls it was from Citi. 
We have sent Citi a letter with supporting documentation of our bank account showing the charge and credit back in XX/XX/XXXX. 
We have received 2 notices confirming receipt of dispute on XX/XX/XXXX and XX/XX/XXXX. We still are getting monthly statements for this with interest so now it shows us owing {$210.00}. 
When I call the phone number on the dispute confirmation they tell me they can not find the account. 
Very frustrating since our XXXX score has always been over XXXX and we pay CITI over {$30000.00} per year on our Costco Visa. 
PLEASE 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 monetary relief
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using 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 non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

Please refer to accounts listed on the documents provided.

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 2022-02-17
Company: Credit Karma, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with Credit Karma in XXXX. At the time, they had a promotion whereby I would earn a {$150.00} bonus if I received a direct deposit by XX/XX/XXXX. The bonus was supposed to be paid out by XX/XX/XXXX. I received a direct deposit from my employer on XX/XX/XXXX, and when I did not receive the bonus, I inquired with Credit Karma. On XX/XX/XXXX, I was told that I had been added to the recipient list and would receive the bonus within 7 to 14 business days. When that time had elapsed, I again inquired about the bonus. This time, I was referred to a different promotion that required me to file my taxes through XXXX and receive my refund with Credit Karma via direct deposit. It would also not pay out until XXXX. Even after explaining to the representatives that this was not the promotion I signed up for ( and providing a screenshot ( twice ) of the offer ), they refused to do anything. 

I have attached a screenshot of the promotion, my bank account showing the direct deposit on XX/XX/XXXX, and the XX/XX/XXXX13 email from Credit Karma stating that I was being added to the recipient list.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
Company: ALLY FINANCIAL INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any 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
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with Transunion and XXXX trying to get this debt removed. In every complaint Transunion and XXXX swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX  ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt Transunion and 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 2017-04-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My PNC credit card bill/statement has not been arriving in the mail for at least 4 months now. I called in XXXX of XXXX and in XXXX too. I was told they had some sort of hold on it. I received a letter from them in mid XXXX and thought the problem was resolved but I never received my billing statement for XXXX and almost missed the payment. I called them again on XX/XX/2022 and was told the USPS was returning my bill to them. So the story has changed since I last spoke with them. I called the USPS and was asked if I was receiving all my other mail. I told them I was receiving all my other bills with no issue. The USPS said that PNC must be coding it wrong and that its odd since I verified my address with all 3 calls to PNC. One would assume this is a ploy to either get me to sign up to receive electronic billing, which will never happen, or give me some late fees. PNC has a history of soma shadiness in the past and it looks like they havent changed much. Pretty sad when you cant get mailing a bill correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CAP ONE NA Inquiry date XX/XX/XXXX Removal date XXXX XXXX CAPITALONE Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I WENT TO APPLY FOR A CAR LOAN AT A DEALERSHIP WHEN THEY CHECKED MY CREDIT THEY STATED I HAD OVER 10 INQUIRIES SO I AM FILING A COMPLAINT I BEEN A VICTIM TO IDENTITY THEF AND THAT WAS A ISSUE FOR ME GETTING THE CAR I WANTED FOR A LOW PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent a XXXX Negotiable instrument to Chrysler Capital at their specified address for payoffs at XXXX XXXX XXXX XXXX, TX XXXX, for presentment on XX/XX/XXXX, and gave ten days to accept it for payoff in the amount of {$12000.00}, or return it with an explanation as to why it was not honored. I heard nothing. Not wanting to default on the loan during the ten day period of wait, made another cash payment of {$470.00} on XX/XX/XXXX. On XX/XX/XXXX, sent letter and notice of dishonor and 10 day notice to cure to the same address with no response. Sent a final letter on XX/XX/XXXX to the Legal Department at XXXX. XXXX  XXXX XXXX XXXX, TX XXXX informing them that if they do n't respond,, I will take them to US District Court. To the date of this report filing, have NEVER heard anything from them ... ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, 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:
I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX AKA XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with XXXX and Equifax trying to get this debt removed. In every complaint XXXX and Equifax swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
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:
I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however XXXX and Experian has refused with no method of verification supplied.

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 2017-09-05
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 status incorrect

Complaint:
XXXX XXXX reported my account 30 days late to Experian Credit Bureau for the month of XXXX XXXX. The payment was due XXXX/XXXX/XXXX and was paid by me on XXXX/XXXX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.

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 2020-10-07
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:
Dear Sir or Madam the information on my credit report is inaccurate : The XXXX account that I have shows a balance of over {$10000.00} on the Experian credit report. This is incorrect as the last statement balance {$6000.00}. I will attempt to attach a copy of the statement. 
There are also 4 unauthorized hard inquiries on my credit report from XXXX made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition there were 4 unauthorized inquiries made by XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I will attempt to attach the letter and certified mailing.

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 2017-09-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Disputed fraudulent accounts with Equifax on X/X/17 and did not get results back until X/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Santander Consumer USA Holdings Inc.
State: PA
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 tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: GUARANTEED RATE INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been notified by XXXX that my mortgage company, Guaranteed Rate, failed to pay my home owners insurance premium expenses from my escrow account. The payment was due on XX/XX/2021 with a grace period up to XX/XX/2021. The mortgage company didnt disburse the funds until XX/XX/2021. XXXX didnt receive the payment until XX/XX/2021. 
I am now without homeowners insurance. The mortgage company has not offered to remedy this situation in any way, except add lender 's insurance to my account.

Company response to consumer: Closed with explanation