BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi has an internal record error about how a credit card was closed that they refuse to fix and refuse to approve my credit card application with a XXXX clean report and score. 

The annual fee had posted and did not see value to continue use of the card such that I called to cancel the card. I applied for a new card a couple years later and was told I ca n't because the previous account was closed due to delinquency, which is inaccurate.

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 2016-09-23
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio Recovery continues to pull my credit without my consent. This has been goin on for some time. I will also report them to the Federal Trade Commissioner. Please see attached new inquiry made on my XXXX credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open new account for SSI beneficiary XX/XX/2020. Literally all branches in zip XXXX were closed to branch traffic. This violates Federal Banking Regulations that protect consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-05-23
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Netspend committed a Theft/Scam crime. This was very unprofessional of them to take XXXX $ from me off the card and locking me out my account and not having access to my money, This money was placed on this card on the XXXX of XXXX. I placed money on this card for immediate purchase since the company is claim to be one of the fastest card money can be transferred too and used. I was not able to use my Identity because i was not able to give them one missing document that was required and their customer service was terrible. I have screenshots of my account when it had money and i have pictures of all my receipts placing money on the card. I was supposed to use that money to buy my plane ticket and attend my big sister funeral on XX/XX/XXXX in a foreign country and was not able to since my funds on this Netspend XXXX  card was not approved by the company.

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 2022-09-06
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
He had a XXXX XXXX XXXX model car which had a cost of {$16000.00}, he had been paying for it for approximately 3 years without any problems. This year, in the month of XXXX, I called so that they could make an adjustment in my payment, they said that it would be possible, but in the month of XXXX, they repossessed the car. Situation that I really did not understand because they had reached an agreement with me. They tell me that I have until XX/XX/XXXX to refinance the car or pay the amount I owed. When I called and paid for the car they told me that it was no longer possible because it was bad communication with me and it had to be a day before. They accept that they were wrong but there was no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was banking with Netspend and filled two disputes for transaction made with there debit on XX/XX/XXXX and XX/XX/XXXX i was informed they would have to research charges and a provisional credit will be issued if it couldnt be resolve by XX/XX/XXXX and XX/XX/XXXX well it is XX/XX/XXXX and the finically institution is saying that this doesnt meet the guide line of regulation e when it actually does meet all requirements of regulation e being a POS purchase please reference regulation e section 11 I have emails stating that this is not a billed transaction but it clearly is

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 2020-03-27
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We added solar batteries to our home, the solar company used a lending company, we have a completed and signed loan agreement with that loan company. 
One month later, we received an email saying we needed to re-apply, because the fees weren't correct on the loan, even though the loan included finance charges on top of the APR. The email from the solar company stated extra fees were required. 

We feel this isn't a fair lending practice by mosaic loans. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Advanced Resolution Services 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: Reporting company used your report improperly

Complaint:
Improper usage of incorrect addresses tied to incorrect accounts needs to be removed. Propagating false information on my credit report, and inquiries that has incorrect information and that I have knowledge of needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I called XXXX XXXX XXXX to resolve an issue of XXXX of my XXXX accounts showing a closed status on Transunion when only should be a suspended status and talked to several agents and no resolution came up. This is a violation of FCRA and I'm willing to seek monetary resolution as well.

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 2022-04-12
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: Was not notified of investigation status or results

Complaint:
I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the 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 non-monetary relief
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
REGARDING CITIBANK CREDIT CARD # XXXX CITIBANK APPROVED MY CREDIT CARD FOR $ XXXX AND WITHIN 7 DAYS CITIBANK CLOSED MY CARD ON NO REASON GIVEN, THEY ARE PUNISHING ME FOR A SIN THAT I DONT KNOW WHAT WAS MY CRIME. THEY RAN MY CREDIT AND THEN UPON INQUIRING THEY WROTE ME " WE REGRET WE ARE UNABLE TO ASSIST YOU FURTHER ''. THEY ARE BEING UNFAIR ON NOT PROVIDING ME A REASON

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 2016-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian finished my complaint in less than 24 hours I do not believe they truly investigated it. I sent them documentation yesterday Monday ( XXXX/XXXX/16 ) after filing the complaint on Saturday. This morning at XXXX I received a response saying my case was closed. I would like for Experian to overlook the documents I sent them and then make a decision. I sent this to all XXXX credit bureau and they were the only XXXX to respond back this fast.

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 2022-04-12
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank dispersed escrow funds from the loan in question for the payment of an unrelated property in the same city. While it happens to be another property I own, the other property is not connected in any way to the mortgage in question. 

As a result of the improper use of escrow funds, they have increased my monthly escrow payment by {$260.00} directly due to this shortage. ( A smaller portion of the escrow increase is unrelated to the complaint ) The bank has written to me that because I happen to own the other property they will not refund the improper payment. I believe it is their responsibility to contact the city and work out a solution to refund the payment to the bank. In the meantime, the bank should recalculate my escrow without the shortage created by them. 

I further believe it is their responsibility because the property id for the improper payment does not agree with the property id of the mortgage. It seems there is no process for validating that tax bills match the mortgaged property. This is a huge fraud risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.

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 2015-07-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation