BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: FL
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:
Hello, I have sent my tender of payment in amount of ( {$3300.00} ) to the MY BESTBUY CREDITCARD address listed : BESTBUY XXXX XXXX XXXX, XXXX, Arizona XXXX with certified mail tracking XXXX XXXX XXXX XXXX sent on XXXX of XXXX.The postal service has confirmed that it was delivered and as well my records confirm that, the company is alleging that they /not found/lost the payment and is shifting the liability on me the consumer, by Uniform Comercial Code 3-309 its clear that they are trying to evade responsibility in regards of its own emploees that lost my paymet, Their Investigation has not concluded anything ( the investigation ID 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 2017-06-05
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ALLY FINANCIAL INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ALLY FINANCIAL, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaint.

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 2021-11-15
Company: Bread Financial Holdings, Inc.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one

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 2017-06-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT ACCEPTANCE CORPOR ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-15
Company: Resurgent Capital Services L.P.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX {$4000.00} ; LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5200.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase  closed ALL my credit cards ( tota l 3 ) . The only rationale they have given is " compliance ''.  <P/> Closing my accounts will result a lowered  credit score , despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations.  <P/> They closed all my accounts  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  X/XX/2017    I filed a complaint with the CFPB regarding my interaction with Quicken loans. While receiving info on loans, rates and terms I started to question my loan assistant, when his supervisor interrupted our conversation. He proceeded to quote me a new rate of 3.75 %. He then proceeded to ask me my credit card # so he could get the process started. I responded by telling him I would not submit my card # until I received something in writing. He was aggressive in his response to this. I further inquired if there were points involved with this new rate. He said there were 3 pts for a total of {$3400.00}. I asked when he was going to mention this fact, after he had my credit card #. But for me asking I would not know that the points had been omitted. When I questioned this aggressive sales tactic the supervisor became even more belligerent. I think this is a fraudulent practice and should not only stop, but should be penalized. I submitted a complaint with CFPB and had their response read to me by an assistant. Quicken Loans response was very accurate as to the facts and sequence of events except they failed to mention, and in my view purposely omitted the fact that they requested my credit card # before they disclosed that the quote they gave me included points. The response by  Quicken  Loans is in fact a second occurrence of omitting facts to favor their narrative. I agreed to and our conversation was recorded, you can listen to our conversation and see this fact plainly. This non disclosure of points and omitting them in their response is at the heart of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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: Was not notified of investigation status or results

Complaint:
Sent certified letter to Experian that was delivered on X/XX/17 challenging collection accounts on my report. Received no response from Bureau.

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 2017-06-05
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Mr. Cooper Group 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:
Attention : Research and Response Department I am writing this letter in regards to a Negative Credit Reporting annotation that occurred on my credit report on the month of XX/XX/XXXX ( See attached Credit Reports from XXXX, XXXX, and XXXX ) ; that I would appreciate your reconsideration and correction. 

As you can see on my payment history, I was able to bring my account current by the month of XX/XX/XXXX. I was entered into the Forbearance program offered by Mr. Cooper in XX/XX/XXXX, and I continued to be in forbearance thru XX/XX/XXXX when my financial situation changed, I called in to ask for the removal of the forbearance program ending in XX/XX/XXXX. Thus, I made all my forbearance payments and my 1st regular payment for XX/XX/XXXX on XX/XX/XXXX. 

Therefore, I do not understand why any XXXX XXXX XXXX would have been reflected on my credit during XX/XX/XXXX and was reported on XX/XX/XXXX to all credit bureaus, since during the Forbearance program I was protected from any Negative Credit Reporting. Also, I would like to reinstate that I have recovered from my previous financial situation, and it can be recognized and accounted for now that I have completely paid for all the months that were in arrears during the forbearance period including my first out of forbearance payment for the month of XX/XX/XXXX. In addition, I am processing my XX/XX/XXXX payment today online and I am attaching proof for your review. 

I would sincerely hope that there is redemption at Mr. Cooper, and I am asking for such consideration and correction in my payment history and credit reporting for my account with you and concurrently with all the credit bureaus. 

As you would agree, it is imperative that my credit reflects a good standing with Mr. Cooper as well as with my other creditors and I hope this oversight that was done by Mr. Cooper in making this late payment reporting can be remediated as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Screening Reports Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-31
Company: ResidentCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts.   My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AFNI 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: CA
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:
I contacted Paypal Extras Mastercard about the personalized merchandise I purchased from XXXX  on XX/XX/2018, that when I got home and noticed the receipt amount was overcharged I was shocked ( my bad was I signed the receipt at the counter without looking the exact the amount because I was on an important call and I trusted XXXX because they're a big name ). It was supposedly {$2000.00} something but the receipt that charged to me was a whooping {$2800.00}. I called the XXXX the next day and spoke with the manager named XXXX and she said it was an honest mistake. I am so mad and want my full refund back but she said they can only give " full store credit ''. And I said no! You guys overcharged me and you expect me to trust you? The item actually is not with me because it supposedly personalized and they will deliver it to my house in one-week which is XX/XX/2018. 

I told Paypal Extras Mastercard the whole story but after two-week Paypal charge-back the amount to me with a whooping {$2800.00}. I kept explaining them that the item is not even delivered to me, I felt like my Credit Card which is Paypal not protecting their customer because I told them- I am DISSATISFIED with the XXXX XXXX, OVERCHARGED me, and the item is not in my hand. I don't wan na pay it because how do you expect someone to pay the OVERCHARGED? DISSATISFIED of their service? 
Please help me because this is really so stressful, I am suffering emotional stress, anxiety and sleep less at night. 

Thank you so much.

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