BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX PO BOX XXXX IOWA XXXX , IA XXXX Could this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: U.S. BANCORP
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: Other problem getting your report or credit score

Complaint:
Hello. I have recently paid off a Joint US Bank 20 year loan for an RV originated XX/XX/2004 4.5 years early. The loan history is perfect on this account, never late or missed a payment. During the course of this loan I had a bankruptcy. The loan was reaffirmed and the account was never once compromised to this date. US Bank refuses to report this account to the Big 3 Reporting agencies because of the bankruptcy filing knowing full well the account was never compromised at any time. I have talked to everyone possible within US Bank trying to resolve this issue. I feel like I'm being discriminated against and being dealt with unfairly regarding this matter. All I want is the excellent payment history to be reported to the credit bureaus fairly. 

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 explanation
Consumer complaint received 2022-02-20
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A loan was taken out in my name in 2018 with world finance in California. I have never lived or visited California it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!

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 2020-01-10
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a bill from Discover Bank to pay. I sent them an AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM letter. 
Discover has NOT responded and Discover is well-aware that silence is acquiescence.

Discover does NOT have a contract with me.

Discover did NOT provide the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Discover is reporting their fraudulent/unverified account to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Summit AmeriFirst Holdings, Inc.
State: OH
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 declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called kohls summer of 2017 to report that a new kohls card was opened and maxed out in my name. I found out about this from pulling my credit report. The amount was {$580.00}. I IMMEDIATELY Closed the account and asked for VALIDATION ( a contract or lease with my signature on it ) I was assured that this account would be handled. They apologized and said they would delete it. I have now received my report for this year and ITS STILL THERE. I'm appalled this company would take advantage of me. I'm in the military and gone often. I take people by their word. If this company does not want to delete, then I request validation again. ( not verification ). I want to see where I signed up for this card. I want to see MY signutre.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XX/XX/XXXX - Requested original lease agreement. Agent says this can not be released. 

XX/XX/XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XX/XX/XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-04-19
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXXn and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CITIBANK, N.A.
State: AL
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:
XXXX XXXX sent a check for a balance transfer to pay off my Citi Bank credit card. Citibank deposited the check on XX/XX/XXXX. Citibank never credited my credit card for the payment even though I have called them six times giving them information from the cancelled check. I called twice on XX/XX/XXXX and asked to speak to a supervisor. The first person, XXXX, just transferred me back to the original menu. The second man, XXXX, screamed at me and said, " Oh, God! '' and started speaking in a foreign language and then put me on hold and never came back. They all refuse to let me speak to a supervisor. The payment is for {$3300.00}, so I really need help to get the proper credit.

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 2018-03-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received on XX/XX/XXXX a notice that was included with my monthly statement. This statement notified me of changes to my account. The changes were to be in effect on XX/XX/XXXX. I  believe that any changes to my account should be sent to me, in writing, 30 days before the change takes place. Huntington Bank. XXXX XXXX, Ohio. I have talked to a bank rep on the phone today and she was to file a complaint and send me info on all of our accounts. ( My husbands ' and mine ) I am not sure that I can trust this bank to do the right thing, that is, make the changes 30 days from the date of notice. I can not find a date on the notice paper that was sent, but it was included with my monthly statement. I also wonder about how short the actual inactivity fee can go. They changed it from 2 years on a savings account to 12 months. These changes have not affected us at all but I think that down the road things will progress to the point that they will be benefiting from customers naivety. 
Thanks for your timely response, Huntington bank customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again and the message machine said " I reached them outside of their business hours of XXXX, Mon thru Fri PST. It was XXXX PST when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with BB & T and there were three unauthorized charges on my account that were clearly not me. Along with that came over XXXX dollars in obnoxious fees. Now I wasnt able to pay my power bill which is horrible because I have XXXX kids living with me. To my surprise they denied the claim, because I'm just a number and they clearly dont care about their clients.

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 2020-01-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased two rings from XXXX XXXX. I wish I would never have walked into the store. First, the sales associate sold me on the credit card. Which was a perfect idea. She did so by telling me that I would get a promotional credit and that I could use 6 months at no interest, but i needed to still make payments. I signed up and was approved. 

I told her that my address had changed and the one on my drivers license was incorrect. She still put my old address in there, causing the statement to be lost. I never received it or the card. But I was charged late fees and interest. 

I called and a young lady said she would take care of it. I saw credit for the interest but never for the late fee. I had to contact them again for the credit of the late fee, which was finally processed. 

Then i received a letter in the mail saying i didn't qualify for the promotion which I was told i did so they REBILLED me the interest they should have never charged me to begin with!!!!! 

I've paid the account off and I want credit for all of the late fees and interest that i was billed. 

I have many other accounts through this bank and now I'm contemplating closing all of them because I was lied to and they refuse to make it right.

Company response to consumer: Closed with explanation