BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank advertised their Chase Sapphire Reserved Credit Card would offer up to {$100.00} credit per year in charges related to Global Entry or TSA PreCheck as part of the benefits of the {$450.00} annual fee. 

They honored the {$100.00} credit in year 1 ( XX/XX/XXXX ),  however, didnt give me the credit in second year of card ( XX/XX/XXXX ) even though repaid annual fee. Told me the policy was now only once for lifetime of card. I never received any formal notice of this change and wouldnt have renewed card and paid another {$450.00} ( now {$900.00} in card fees ) for this credit card had I known this. 

After contacting company they will not refund charge and only state current terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am trying to originate a mortgage with a separate bank from the one this complaint is regarding. The mortgage origination bank said there is an active dispute with Citi bank that needs to be resolved before origination can proceed. 

I spoke with 9 people at Citi bank, 3 said I had no active disputes and 3 said I did have an active dispute. I spoke with 2 managers - the last one hung up on me. 

There appears to be a systemic issue with Citi Bank 's dispute resolution and credit reporting practices. 

I am close to incurring consumer financial harm by not being able to timely get a mortgage due to a 4 month old dispute that Citi handled incorrectly. 

This should be a MRIA ( " Matter Requiring Immediate Attention '' ) - Citi clearly does not have an internal process to manage these types of consumer credit customer challenges.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX 2017 Hurricane Irma hit Florida. This resulted in a federal disaster area being declared. We had uninsured losses on our property and saw in the media that people could get a forbearance on their mortgage. We decided to look in to this to help us cover our losses. We called Nationstar/Mr. Cooper and they put us on a forbearance program for our XXXX, XXXX and XXXX payment in 2017 and were told this would NOT adversely affect our credit. We were lied to and told the payments would be added on to the end of the mortgage. We found out subsequently this is was not true when we began receiving collection notices and foreclosure threats. They then told us we could apply for a modification. However, at the end of the 3 months we brought our account current. However, Nationstar/Mr. Cooper reported our loan as late payments for those 3 months to the major credit bureaus. It should also be noted that during this " forbearance '' we continued to make the escrow payments on our mortgage so as not let those cause an escrow shortage. Their own website says that " if you do not bring the account current at the end of the forbearance or enter a workout plan to bring the account current, you will be reported as delinquent. '' This implies that as long as you bring the account current, which we did there would be no adverse reports to the credit bureaus. I have tried disputing this with the lender and the credit bureaus and every time the lender says the info is accurate thus continuing to show late payments on our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As per the court agreement dated XX/XX/XXXX we agreed to pay {$100.00} per month toward a total of {$12000.00} which included the principle amount {$11000.00}, interest {$87.00} and court costs of {$360.00}. This total amount is for a medical bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I now find out that the collection agency, Lotane & Associates PA of XXXX Fl, have been adding interest to this amount. This is against the order of the court. I've tried several times to get a fee statement balance from Lotane & Associate but have not been able to acquire one until today via email showing this interest in question. We have been paying the agreed {$100.00} amount with automatic payments from our bank account without incident until XX/XX/XXXX when our Bank account was compromised. We immediately closed that account and opened a new account with another bank. Immediately we set up automatic payment to send {$100.00} per month to Lotane & Assoc via our new account. We started receiving letters from Lotane & Assoc saying our payment checks had insufficient funds. Upon checking with the new account the payments went through without a problem. Finally after 2 months of trying to deal with Lotane & Assoc I went to the old bank. Apparently the old bank did not stop the automatic payments when we closed the account. I obtained a document from the bank claiming total responsibility for the errors and sent it via email to Lotane & Assoc. I thought all was well until they started sending me the un-cashed checks from my new bank account saying they would not accept them due to having too many NSF checks issues. Again, the other bank took responsibility for this problem but Lotane & Assoc did not budge. So I had to start paying the bill via their webpage. This is where i discovered the amount due was incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CORELOGIC INC
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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 # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of the privacy. 

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

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have tried multiple times to dispute my bankruptcy report being remove from XXXX TransUnion and XXXX  due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

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 2022-04-13
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:
XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. Please be advised that under Section 611 ( 5 ( a of the FCRA- y
ou are required to. " promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: MS
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:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

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 2017-01-23
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This account was sent to collections without my knowledge. I received a notification from XXXX about a collections account that I know nothing of. I never received notification nor had I any knowledge of any debt accrued by the company listed. I dont even know what I was being charged for by the company. Its not only fraudulent, but definitely a misuse of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in   XXXX   XXXX   and   XXXX   XXXX   financed it. I got behind in   XXXX   XXXX      XXXX   XXXX  , and   XXXX   XXXX  . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

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 2017-10-13
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called I c system regarding XXXX on my credit report i told them numerous times it was not my account they gave me the address that they have on file where the XXXX was installed i never lived there i was not aware my father had service there in my name .My father is now XXXX 4 plus years now so they told me if i send his XXXX certificate they will take it off my credit i mailed my father 's XXXX certificate and it is still on my credit .I have nothing in collection but this account and it is hurting my credit i need this off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with XXXX still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 an account without my written instructions.

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 2017-03-18
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I put in my application for credit with Discover on application ID XXXX. 
On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. 
I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. 
Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX and XXXX of XXXX we were behind on payments for our mortgage. Wells Fargo said we quialfed to pay back so much each month to get caught up. We first started working with XXXX from the home preservation team in XXXX of XXXX. We were told how much to pay for the next four months to get caught up. It was to start XX/XX/XXXX of XXXX but I paid some money in XXXX to help with XXXX payment. Each month I paid the money I went into the Wells Fargo and paid with my sheet from the Home Preservation team and after each payment I would call XXXX to let him know we paid. Our last payment was XX/XX/XXXX and I paid it. I again talked with XXXX and told him it was all done. After two weeks it still showed on WellsFargo.com that we were still behind. I called XXXX and we were on the phone for about an hour with a supervisor from the Escrow department. The local branch put the extra money into my escrow. Per our three way conversation they could see the error and was going to fix it. According to her it would take about 6 days. After 7 days it still showed we were behind. Called again and they escrow department said yes they will fix it. Now I got a new home preservation specialist and we again XX/XX/XXXX called and again was told that it would be fixed. We are two months out from paying our agreement and they still show us behind and it still shows up behind on our credit report. I keep getting told oh it takes 6 days and well 6 days is turning into months. It is not my fault that the branch did not know how to apply mortgage payments correctly even when they had the sheet. They should have told me to not go into the branch. But I paid each month with cash so that it would process faster. I just want this all fixed. Thanks 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