BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I had a mortgage with XXXX XXXX XXXX  and was in a forbearance due to Covid ( My Husband worked for XXXX ). The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to SN Servicing effective XX/XX/XXXX. I received a notice from SN Servicing advising that the loan is in default. 
Called SN Servicing and was told the loan is due and they will not offer a deferment. 
Called XXXX and SN on three way on XX/XX/XXXX. Spoke to XXXX at XXXX   ( agent # XXXX XXXX and XXXX at SN ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that SN doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau . I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED A LETTER ABOUT FROM JAVITCH BLOCK LLC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX BANK. I HAVE NEVER DONE BUSINESS WITH JAVITCH BLOCK LLC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX   XXXX XXXX XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.

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 2016-11-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have had numerous issues with unauthorized inquiries on my account as well as previously deleted information that was reinserted. Well with Experian I have XXXX unauthorized inquiries on my account that were not authorized my me. I have disputed with the credit reporting company to no avail. I have tried contacting the company who placed the inquiries and they do not exist anymore, their phone does n't work and I can not find a partner company or anyone to get in touch with. These are inquiries from the beginning of the year and I am not aware of them. XXXX of them are on XX/XX/2016 and another is on XX/XX/2016 ( see attachment with phone numbers and addresses of non-existent business. I started monitoring my credit around XX/XX/XXXX and I ca n't seem to get any help from Experian other than filing fraud but they will not promise an investigation or removal. i am out of options other than a lawyer so I am asking that this is investigated and that these are taken off of my report with Experian in a timely manner as it is causing lower scores in my credit, could be the cause of me not getting employment or other opportunities to move forward with becoming self-sufficient.

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 2022-02-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX needs to be removed Immediately. I have attached a XXXX from XXXX stating it shouldnt be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2016-03-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting them!

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 2015-07-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Privacy

Complaint:
I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: GA
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 am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, XXXX i been trying to sell some my persome items.I had someone interested on ring i thought it was size XXXX and someone purchase it.But when i was checking size it was XXXX and i donot know how i advertise wrong size.So i login my account XXXX went to message told Buyer i had wrong size, i had XXXX  Refund full amount..XXXX  policy states i would not get charge any fees for issue refund.XXXX  is UnAuthorize to charge my Credit Card any fees.If i ever get paid any money XXXX automatically deposit in my account on file.If i owe XXXX any fees at end of Billing cycle i Manually pay XXXX. So XXXX gave full Refund to Buyer.XXXX  turned around Charge my Capitalone Credit Card {$47.00} for this transaction.i tried turning in to Capitalone but there system stops me from report Fraud, UnAuthorize charge No Permission.XXXX  think they can do what ever they want, they are the XXXX XXXX XXXX XXXXXXXX Company Cheats the poor, XXXX  iam over XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!

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 2016-02-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Collection account. {$22.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged 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 explanation
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act

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 2015-08-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.

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 2016-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation