BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
These credit inquiries listed below are not mines. 

XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions 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 explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Aldous & Associates, PLLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters for this company to verify this debt to no avail. They simply don't respond. This debt should not be on my credit file. They wont or cant verify the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-04-20
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Citifinancial fa iled to participate in the  XXXX  Help mortgage relief program and not only me, but to others as well. I was unable to receive help from the mortgage relief program in  XXXX  which caused me difficulties, because you would not participate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-08-29
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up american express delta skymiles card late in XX/XX/XXXX, which offers sign-in bonus for XXXX miles after meeting {$1000.00} in spending. I met the spending amount in XX/XX/XXXX. I did n't see the bonus being posted. Called customer service 4 times since, each time I was given a different excuse on why it is not posted on my account. Last two conversations, I was told that they have technical issues and no idea on when the miles can be posted. I am going no where with the company and no idea when this can be resolved or the whole thing is just a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have been contacting this company regarding removing the dispute I placed on that account and report that I am no longer disputing the account. They will not remove the dispute until I pay it in full. 
The representative said I had to pay today in full and that nobody was available from that department to help me. 
This dispute is hindering me from obtaining a mortgage. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
- Agent of company threatened garnishment prior to notice of court proceeding to collect debt in a manner that suggested that they were already moving forward with garnishment.
- Agent of company advised my wife on first contact that she did not represent a collection agency, but represented an attorney 's office. Later communications suggested otherwise.
- Agent of company stated that she was moving forward with notice of court proceedings while my wife and i were attempting to set up payment arrangements. While we were discussing payments, agent stated " i 'll just send your wife 's notice. I wo n't send yours ''. The agent used the notice as a harassment technique as we were attempting to come up with payment arrangements, we advised that we would comply with payment arrangements and even followed through exactly in the time frame agreed upon to get information in to determine payment amount.
- Agent stated that they would not consider any hardships in payment arrangements. Stated would not consider family size or other recent hardships to determine payments. Stated would look at paystub and determine garnishment amount and base payments off of that. Agent stated that tax agency already had a judgment so would not take any less than what is needed. 
- Agent repeatedly placed my wife and i on long holds throughout conversation that had nothing to do with collection call. Agent stated that she was talking with multiple consumers during call and used hold as an attempt to frustrate us and get us to comply with demands. 
- Agent intentionally did not return voicemails left for 3 days in order to not talk to us until required day to send notice of court proceeding to collect debt. 

The agent of this company, XXXX XXXX, used threatening and inaccurate statements as well as unfair and deceptive practices in order to gain a higher payment and to get us to make immediate payment. The practices the agent took can threaten my job and were done with the intent to unfairly put her into a position of power.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not 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 2021-04-12
Company: Experian Information Solutions Inc.
State: WA
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:
In XX/XX/2020 I wanted to start building my credit and XXXX XXXX XXXX  I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. Experian refuses to remove the fraudulent collections account from my credit report. I believe Experian is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. Experian refuses to remove this debt and I am not sure what else I can do.

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 2019-12-03
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santander Consumer has asked for specific documentation to support identity theft from another company that put me in financial hardship. I have faxed, mailed, and emailed trying to correct the problem. Santander Consumer is now threatening the repossession of vehicle. I have included email and also the document from credit union that shows the date from back in XX/XX/2019 when this started. I also mailed registered mail a certified cashier 's check in the pay off amount. To be done and not have to deal with company anymore. We have had to retain a lawyer to proceed against dealership for vehicle that has been in service over right times in under a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened from Synchrony Bank which is now be handled by XXXX XXXX XXXX. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in XXXX months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.

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 2020-04-22
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to COVID-19 The first call in XXXX -- do not have date. They just wished me luck basically and said they understood..offering no assistance. 
I called again right after the Care Act was signed and they gave a number i tried to call and couldn't get through. Called back three times.

2nd Phone call on XX/XX/XXXX. Phone disconnected several time. Kept calling back. 
I spoke with a representative that said they were putting me through a program for COVID and that they would send me a confirmation. They were waving late fees and interest. It was to my understanding nothing would be reported on credit report during this time. Credit Alerts from XXXX  sent me something stating Citi Double Cash flagged my account 60 days past due. I was unable to pay XXXX and XXXX. I tried to call the company. The automatic system said first it didn't recognize my account. Secondly, when I finally got through that it stated due to unforeseen circumstances they were temporary closed. I have all the documentation stating when I spoke to them concerning my account. I tried to call credit agencies unable to get through. In the meantime, my credit is being ruined due to reduced income. I need someone to investigate this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: DHI Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, We had applied for a loan with DHI Mortage on XX/XX/2021, the Loan officer XXXX XXXX XXXX NMLS ID # XXXX, gave a go-ahead to submit the offer to our realtor on the same day. On XX/XX/XXXX XXXX called us to confirm the loan and said we have to get a letter from the employer to prove that we will have the same salary after we move to XXXX. Firstly we are in the same or similar job for 12 years and have XXXX down in cash, XXXX salary and XXXX credit score applying for XXXX loan. She didn't do any due diligence to confirm us what info she needed on the letter would need to take a loan. ( we called her multiple times, reached VM, emails, texts were not replied to ). We wanted to know what exactly should be in the letter head of the letter from the employer. 
( Legally she should not ask us on securing future employment details ). 
The next day we were asked to sign the purchase agreement and we did. Our realtor was told we won the bid and an email would be sent in 1 hr confirming it. 
the next day she send us a denial letter saying the length of the employment History was the reason on denying the loan. She never tried to speak, ask and help us to acquire the House.the calls and VM, emails texts were not replied to and missed doing any due diligence on it. she dint care for us/neglected us. we were clearly discriminated by Builder, the loan officer based on nationality and race. They evaluated us on how to eliminate this application rather than giving it a fair chance. Please look into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim since I have been terribly harassed by # CapitalOne, and I need to file a complaint against this credit card bank that is imposing late fees and interest charges illegally. 

Please see the attachments and look at my Capital One account carefully carefully. Id like you to match the amount. The credits I received from the merchandise, i.e., XXXX doesnt match with the ones processed by CapitalOne . Also, some of the refunds were provided really late by the merchandise XXXX. 

If the merchandise XXXX is unable to provide refunds on-time, why should I be paying the late fee/interest charges? Capital One should have the courage to demand XXXX. 

So kindly waive off these illegal charges against me and in future, please process the correct amount of refunds in time. 

Thank you If u have any questions or concerns, feel free to contact via email : XXXX or phone : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
was out of work do to the stay at hm order do to cov19 contacted XXXX XXXX  told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my citi bank account with a bonus of getting {$400.00}, after I deposit XXXX into my account in 30 days after opening, and keep the money for 60 days. I opened the account on XX/XX/XXXX, put {$15000.00} on XX/XX/XXXX, kept {$15000.00} for 60 days. The terms said I should receive the bonus 90 days after I keep the money for 60 days. So I should have gotten the bonus by XX/XX/26. However, I still have not gotten the bonus. 

When I call Citi, they tell me to keep waiting. Even though the bonus was due on XX/XX/26. I would like to get my {$400.00} bonus ASAP since its already overdue.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: PA
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:
Navient failed to notify me of important deadlines to renew my income based repayment plan. Resources to  find these deadlines, and the appropriate procedures to follow, were n't even available on their website. I 'm a busy person, and remembering when and where I have to renew my repayment plan was lost in the mix of everything else I had going on. My f irst IBR payment wa s made in  XXXX . Less than a year afterward, with no explanation or warning, my monthly payment went up, and I was charged {$370.00} in capitalized interest on  XXXX / XXXX /  XXXX  . A few months later, I was given information to ( quite easily, I might add ) file for forbearance after I 'd been late on payments. At no time, EVER, did they direct me where to go to renew  my IBR plan. I searched around on the website, looking everywhere to find information on renewing my plan, to no avail. Given that it had been over a year ago, I did not remember that the place to submit documentation was not Navient, but a gov ernment website. I now have accrued interest from said forbearance ( and deferment later on, as I STILL COULD NOT AFFORD THE $  XXXX /MONTH THEY WERE BILLING ME FOR when my forbearance was over ). I 'm disgusted by these shady, irresponsible business practices.

Company response to consumer: Closed with explanation