BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.

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 2016-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called my credit card company because I was having problems registering online so I could see my bill and pay it. I spoke to customer service who had me verify my account and then they transferred me to technical support who had me verify my account again. Not wanting to go through a lot of hassle I told him that he did not have to assist me and that he could send my back to customer service. When he did they ask me to verify my account again. Frustrated I asked for a supervisor, and was transferred to fraud and accused of not verifying my account. I said that I did verify my account but I should not have to verify it 4 to 5 times on the same call. Besides I called to look at my account online not to get information about my account from anyone on the phone. I spent a lot of time speaking to fraud, a lady named XXXX who was having a hard time taking my complaint. She finally transferred me to XXXX who identified herself as a fraud manager. I again asked her how do I place a complaint. She was evasive and disingenuous throughout the call and she lied telling me there was only one way to make a complaint. She told me that she had documented my complaint and asked her how could she had if I did n't give it to her to document. I hung up after getting no where and called back for a supervisor to make a complaint. I got Someone name XXXX. Who verified me and told me there was a block on my account. I asked him if that meant I could not make a complaint. He put me on hold and came back with XXXX from Fraud. We went around in circles before she realized that this was n't a fraud case and she transferred me to XXXX who identified herself as an account manager. She told me that I could make a complaint to the office of the president and she gave me the address and she took my payment. All of this took about an hour and a half of my time. I do n't know if my account is still blocked but I want Citibank Office of the a president to know about disgraceful exchange with me so the individuals could b addressed for their poor customer service. No one should have to be verified 5 times on the same call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello my name is XXXX XXXX and I have student loans with citizens bank and I pay through XXXX. I was on time with my payments until the past couple of months, I ran into a problem with this because I went to go down and refinance my student loans with citizens. I was told everything was handled and I even signed the things I was supposed to. I told them hey lets get everything out of the way signing wise so I dont have to go back and the worker said okay. I was told in XXXX my payments were going to be XXXX a month they have never been XXXX its still at the regular XXXX. So with this I was paying the wrong amount thinking it was the right amount which made me late in my payments to the point to wear its hard for me to pay. Im just looking to be reimbursed for my troubles with this company one and for all I would refinance to another company but my credit is shot because of this whole situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the U.S. Department of Education for over a year. Experian is the only company that has n't deleted these accounts in full. These accounts are from XX/XX/XXXX and XX/XX/XXXX which are older than seven years. Experian will delete one account then leave the other and when I dispute that one they will delete that one and put the other one back on. These accounts were consolidated and being reported by XXXX so its also reporting twice on my credit 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 2015-06-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage loan through AmeriSave. My loan number is XXXX. 

The original loan starting on XX/XX/2021 was for {$320000.00}. 

I made two monthly payments for XXXX and XXXX of {$2000.00} each, meaning XXXX principal payments of around {$560.00}. 
I made a {$10000.00} principal payment in XXXX. 

That means the remaining principal balance should be around {$310000.00}. 

AmeriSave lists my outstanding principal balance as {$310000.00}. 

I have messaged them through their online portal 6 times since XX/XX/XXXX and no one has responded. I have called numerous times and spoken to AmeriSave representatives who say they will fix things and that they issue will be resolved within five days. Every five days, I check back in and things remain incorrect. The numbers often change but they are always incorrect. 

My next monthly payment is due on XX/XX/2021 and I do not feel comfortable sending this company anymore money. I have until XX/XX/XXXX to make a payment without penalty. I'm hoping to have this remedied by then. 

As a side note : AmeriSave incorrectly listed the address of my home on the loan documents. I have managed to change the mailing address but they have not changed the loan documents. The loan documents do not list the unit number. 

I tried to get that addressed during the run-up to closing and it was never fixed. Closing was a whole other ordeal, but I don't want to go into that right now. 

Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In XXXX when I changed mortgage companies from a 30-year mortgage to a 15-year mortgage Trans union dropped my score by 33 points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the 33 points and had no explanation. On XX/XX/XXXX my score went up by 45 points, on XX/XX/XXXX it dropped by 45 points. Overall, my balances decrease every month as when I make payments, I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 %, I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a XXXX XXXX and the activity in the XXXX  is off the charts again, so I do not need this aggravation on top of it. it is funny that when I canceled my paid service with them the score dropped, and roller coaster began. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in poor range, when I have always paid more than a creditor requested on a monthly bill. Any help would be appreciated. My scores with XXXX nd XXXX are not a roller coaster. 
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 2019-05-22
Company: Experian Information Solutions Inc.
State: NY
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 dont recognize the accounts on my credit 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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: RoundPoint Mortgage Servicing LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly 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 explanation
Consumer complaint received 2021-09-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I received a letter in the mail from Fbcs consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Credit Adjustments Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank because i thought they will be a better bank, but now they are starting with the stupidness. I called in regards to a check that i wrote for {$740.00} and A few weeks ago I saw that the check was presented as paid in my account, And today I receive a call from the person i wrote the check to and they advised me that there bank told them that there was a freeze on my account and the check was not paid, i go into my account and now all of a sudden the check is not showing no where in my account. I then called the bank and spoke to XXXX @ Citibank and she said that my check was not paid because there was insufficient funds in my account and the check was presented on XXXX/XXXX/2017. I told her that was not true because I had over {$9000.00} in my account she then tells me to hold and she kept me on hold for a few minutes and then comes back and tells me that she was sorry for the information my checks was blocked because they needed to be activated i NEVER received a letter stating that the check was not paid nor my account was blocked she then said that she was sorry and if i activate the checks they can represent the check and it would go threw. I said as of today I have {$170.00} in my account and the check will bounce she said that she understand and she is sorry. I had check this amount off because it showed presented so this should be on Citibank not on me and they have put me in a bad situation..

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 2022-04-16
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to XXXX, XXXX, and Experian not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

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