BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5USC1681 section 602 I have the right to privacy. 15USC1681 section 604a section 2 states A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to 2 credit bureaus- XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been 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 2023-08-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent several letters to XXXX, XXXX and Equifax, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XXXX and needed a XXXX so I went to XXXX XXXX of XXXX Illinois and had a deal on a XXXX XXXX XXXX all contacts were signed and was told once I drive it off the lot is no longer there problem a quote from the person in finance. Now we have a problem now they want more info and now they want a CO applicant when one was never needed before. I believe I'm an being discriminated against for being XXXX. I was always under the assumption that once the contract is signed the deal is over now they are telling me different. I can afford the payments on this XXXX I don't know what the problem is. It's my belief they misrepresented themselves from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Accurate Background
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am trying to get a job and need to get a cold check removed from this. It was my own checking account that was closed and I forgot i hard a check still out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.

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 2017-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is my mortgage servicer and I have requested a 3-month forbearance on my mortgage. I live in the state of Florida and my area in XXXX County is under a Major Disaster Declaration that was declared on XX/XX/2017. The mortgage company sent me an approval for a forbearance however, they are requesting a balloon payment in the amount of {$5800.00}. I truly feel as if the bank is setting me up for failure. 

My family and I had to evacuate our home and when we returned we were without power for a total of 9 days. I did sustain damage to my roof and contacted my insurance company and because they are so behind in claims my adjuster has not come to my home as of yet. I lost all of my food in my fridge and freezer. When the power came back on I had to pay an electrician because some of the power did not come on in other areas of my house. My family and I could not remain in the home while the power was out as temperatures reached between 85 and 90 degrees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Merchants Credit Assoc. Inc SC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

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 2023-08-18
Company: Mr. Cooper Group Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Mortgage was paid in full after COVID forbearance as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments were paid. I need late payments removed. Me and my wife are survivors of the XXXX pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in process of refinancing a Chase loan. We have had numerous issues, possibly illegal and/or unfair lending practices. The most important grievance is on the day of the closing Chase added a {$1600.00} Principal Reduction charge without any notification in addition they did not have a corresponding reduction in the mortgage amount. I received my last Closing Disclosure on XXXX XXXX and my closing is today XXXX XXXX. In addition, I sent a required check of {$500.00} to them and would like to be reimbursed and they are not responding to emails or calls. There are XXXX instances where charges were added after the initial application and good faith XXXX of which was an appraisal and the subordination fee. Both were waived in the initial good faith but had to be argued to be removed. All of which I have in writing. The loan representative has been fired / removed so he is no longer available. The processor is no longer responding. The processors manager is not responding. I need some assistance recovering the {$500.00} and lodging a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating 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 monetary relief
Consumer complaint received 2016-10-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has 20 different phone numbers now in her phone as a " contact '' for XXXX XXXX. Just today, they have called 3 times in 3 hours between XXXX - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
visited a Chase branch to exchange {$10.00} in bills for a roll of quarters. was asked it I was a Chase customer and when I said no, they refused to provided that service. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I was unable to make a payment to my Amazon.com Rewards Visa account due to their website not functioning in XXXX 2013 and let Synchrony Bank know what happened, after I paid for my account, which was right after it was late and the website was functioning. I want them to correct my late payment with the credit bureaus. I have tried to contact them but they have do n't have an email, their website is down again, and they keep disconnecting me via telephone. Please ensure that the late payment is removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Advertising and marketing

Complaint:
Consumers have a right to opt out/limit sharing by credit card companies so they do not market our information at our expense. I received a notice from Macy's/Bloomingdale 's in the mail today telling me that I had the ability to opt out by calling an XXXX number listed on the notice ( XXXX ). Although it is unfair to expect the consumer to opt out ( they should ask us if we want to opt in ), I did so by calling the number as directed. I subsequently got passed around to XXXX different people and after 25 minutes on the phone I was connected to someone who could help ( XXXX, Macy 's customer service ). This is a deceptive trade practice. It creates a barrier for consumers to exercise their rights by having them spend 25 minutes on the phone. Most people would have simply given up and the credit card company would have gone on sharing my information at my expense. The law needs to change so that consumers, not corporations, have their privacy protected by default. I eventually was successful, but it is unreasonable and a deceptive practice by Macy 's to prevent consumers from limiting the sharing of our protected 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 2016-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a bill from Citicard XXXX for a Costco membership. I can not tell you my credit card number because I never received the Citicard XXXX and told them over the phone. Also, I told them that I no longer needed to be a member of Costco. I moved to my daughter 's home and she has a Costco card. They continued to charge me. Then, I wrote a letter to them. Today, I have a bill for {$110.00} for that original {$50.00}. I talked to Costco and they cancelled the membership.

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 2017-03-21
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, 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