BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi double cash credit card refuses to resolve 2 dispute charges and wont acknowlege my response to a merchant who allegedly fixed my car yet it was so dangerous to drive that I had to purchase another vehicle Citi credit card wont resolve my dispute and is giving the merchant the amount that was charged I refuse to pay the merchant and Citi can pay the merchant for their gross incompetence and negligence

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 2019-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
the company is Experian and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

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 2017-07-05
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Originally our loan was with XXXX XXXX XXXX # XXXX. In XX/XX/XXXX, I lost my job -- -I had been working as a XXXX for the XXXX . XXXX and due to the reduction of XXXX XXXX in XXXX I was laid off. We knew we would not be able to make our XX/XX/XXXX payment so we reached out to a Housing Counselor at XXXX XXXX XXXX XXXX. We were approved for the Trial Modification Payments on XX/XX/XXXX by XXXX XXXX. In the process of the Trial Payments, our loan was transferred to Loancare. Now a new loan number and to continue the Trial Payments -- all payments were made as stipulated in the Modification Trial Plan Notice that had been approved by XXXX XXXX. ( See all backup information attached ) Payments were {$1000.00} plus a {$15.00} processing fee added every time we made our payment for a total of {$1000.00}. In XX/XX/XXXX we were told that our XX/XX/XXXX payment was past due, how can that be we have made our payment ( see bank statements showing debit by Loancare ) It seems that they went back to the XX/XX/XXXX payment which we knew would be late and the reason we requested the assistance. Loancare stated XX/XX/XXXX payment went to XX/XX/XXXX and XX/XX/XXXX went to XX/XX/XXXX, and so on. The whole reason for the DENIAL of the Modification we were told had nothing to do with the payments but with the Debt to Income Ratio was too high -- -Now I ask you this, if it was not approvable why did XXXX Approve us? Is not the servicing entity supposed to honor the approve modification by the original lender? I believe it should be that way. Please help clear this up -- we are now considered late and back to the original payment of {$1300.00}. This is not good practice -- plus this is an FHA Loan and they should be able to file a partial claim to bring us current and to the original approved modification 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 2021-06-14
Company: EQUIFAX, 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:
Through XXXX XXXX I received an alert on XX/XX/2021 to verify my credit and when doing so I realized that they had subtracted 100 points from my credit score in Equifax where until the day of XX/XX/2021 I had it score at XXXX. This caused me great concern and at the same time a great annoyance since I do not understand what happened here. 

I proceeded to call Equifax who assisted me in customer service XXXX who explained to me more or less what happened and where she provided me with this website ( www.ftc.gov ) to submit this claim where I ask that this situation be verified. that I have all my accounts up to date, and I have never fallen behind in any and where I have not requested an increase in any of my accounts currently. 

Please, I ask you to help me in this situation which has me very bad and worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The issue I am having is with Citibank/XXXX XXXX, the current servicer of a student loan I have originally taken out with Citibank in XX/XX/XXXX for the amount of {$40000.00}. The loan has always had a fixed interest rate of 3.75 % until it got transferred to XXXX XXXX where the original conditions of the loan were changed without noticed. It is now a variable rate of 4 %. 

XXXX XXXX/Citibank are not able to provide any documents previously handled by Citibank like promissory notes, loan conditions at the time etc. I have called XXXX multiple times to request previous records and they tell me I need to call Citibank. When I call Citibank they ca n't provide any information for me either. Since they are unable to provide any records it is hard for me to explain that a fixed rate became variable without my consent. 
I have been repaying the loan since XX/XX/XXXX and loan balance is currently at {$40000.00} and there is no clear explanation of how much of each payment is going towards what. 

Please let me know and I will send more information specific to the loan and my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$360000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CNG FINANCIAL CORPORATION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Several people have called me about a check and go loan for {$760.00}. The person I spoke to today didnt verify any information just started telling me info about the account and when I made him aware of it he got offensive. I asked him how was he gon na just give me info without verifying who I am. He said they will just see me in court. 

Last week, a lady said the same thing when I didnt verify my social because she couldnt tell me what or whom it was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies Experian and XXXX told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the XXXX system as frozen after it was disputed, it was explained to me by XXXX customer service this wasn't done by them that XXXX / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXXXXXX XXXX questioning this and got nowhere with them, Experian is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the 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 explanation
Consumer complaint received 2017-07-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Before making a transaction I checked my online account access to ensure that there were no pending charges and that they previous transactions had posted which it showed online that they did. When I checked back the next day several fees had been charged saying the account was overdrafted when it was not. I called the bank and even walked them through what their own system shows me on my online account access and they still have refused to credit me the funds back. When you take away the fees they charged the account would be in positive but the bank says " well how we account for things it was overdrafted '' even when the statement provided to me online contradicts what they say. SunTrust is the only bank I have ever had an issue with and am in the process of closing my account and moving to my other bank. They have done 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 explanation
Consumer complaint received 2017-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed an account with XXXX regarding ALLY Financial. My records indicate that the information should have been removed from my report since my records indicate that the account was not current since XX/XX/XXXX and XXXX  reflected the account being removed XX/XX/XXXX. Per XXXX, ALLY Financials response to the dispute was that my account had been current since XX/XX/XXXX and did not go delinquent until XX/XX/XXXX effectively starting the 7 years over again in other words they re-aged the account which is clearly against the law. According to XXXX, they changed the payment history to ND ( No data for this time period ). This was a lease vehicle that was returned to ALLY in XX/XX/XXXX and I do not have possession of nor have I made a payment since XX/XX/XXXX.  According to XXXX, they signed a sworn affidavit that the information they are reporting is correct and I have no re-course but to file a complaint with the FTC. XXXX also stated although they agree with me and the account was re-aged, that me filing another dispute would not change anything. Please find have attached credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where the account was clearly re-aged.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2019-11-19
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already disputed and the account was deleted off due to no proof. I called XXXX but they couldn't find any information, I wasn't living at that address I lived in XXXX XXXX, NJ. They couldn't find any contracts, signature or copy of ID. Now this company is again attempting to put this account again on my credit file. The amount is {$560.00} and settlement offer {$190.00}. None of this is mine and XXXX couldn't prove it so if something has changed please send me my contract with my signature, social and Identification. While your at it please send a copy : license to collect in my state, Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I attempted to get a refund from Equifax, and they are refusing. I have been attempting to get a resolution with them since the announcement of the security breach, but have had no success, and have been assessed additional fees as this process drags out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Projected County Tax Due : Current year - {$5400.00} Prior Year - {$6000.00} On at least two occasions ( XXXX XXXX ; XXXX XXXX ), I spoke to Money Source and indicated to them that the estimated county taxes for the account were incorrect. The county had reduced the estimated taxes based on my homestead exemption. This exemption was not available to me at closing because I had not owned/lived in the property for a whole year. The adjustment to the county taxes after the first year of ownership is not unusual, because of the change in ownership. Money Source based their estimation on the prior years taxes ; on the ownership/residency status of the prior owner. I provided Money Source with an estimated tax bill from my county appraisal district. Money Source called my countys appraisal district prior to XXXX XXXX and the county confirmed that the estimate taxes had been adjusted based on my homestead exemption. On XXXX XXXX, I again spoke to Money Source and requested the adjustment in the estimated taxes. While on the phone with Money Source, we visited my county appraisal districts website and confirmed the reduction in the estimated taxes. Money Source said that they could not reduce the escrow payment to reflect the reduced county taxes. <P/>Underestimating the Escrow Account Balance : In correlation with overestimating the county taxes on the escrow account, Money Source is underestimating the projected escrow balance. Together, this in turn produces a shortage that is high and artificial. Since the establishment of the escrow account, I have paid {$10000.00} into the account. Out of this amount, {$7900.00} was paid for taxes and insurance, leaving a balance of {$2100.00}. By Money Sources own account, the balance in the escrow account is {$2300.00}. To supposedly meet projected payments, Money Source raised the escrow payment from {$510.00} to {$760.00} for XXXX thru XXXX, 2017. On XXXX XXXX, it is projected to be raised to {$840.00}. This represents a 63 % rise in the monthly escrow, even though the account has never had a zero balance. The only shortage has been in the cushion. The new escrow rate of {$840.00} will aggregate to {$10000.00} over a twelve-month period. This represents an overage of {$1500.00} over that time period. The account should only accrue {$8500.00} ( {$5400.00} for taxes ; {$1900.00} for insurance ; {$1200.00} for escrow cushion ) over a 12-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past week beginning XX/XX/19 National Credit Adjusters has repeatedly called my work and personal phone during the day. I am typically on the phone most of the day so I have not picked up the calls. They leave no message but I do not have any outstanding debts or debts that would have been turned over to collections. They are harassing me. I am afraid to pick up when they call because everything I have read states that they are verbally abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation