BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I'm a XXXX year old XXXX Veteran. Sometimes I forget things. I forgot to pay my Barclay 's of Delaware credit card on the due date. I paid well over the minimum due however it was three days late. I called them and they removed the {$39.00} late fee. A few day later I got an email from XXXX  indicating that my FICO score had dropped 90 points. It seems Barclays, reported my payment 30 days late twice. I always pay my debts on time except for this lapse. I contacted their customer service department twice through email with no response. I spoke with one of their agents who told me I would be required to send letters to all credit reporting agencies. This is ridiculous, it is their mistake.

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 2018-12-03
Company: Exeter Finance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XX/XX/2020 I purchased 4 XXXX airplane tickets for my family from Bank of America through my Bank Of America travel rewards points in the amount of XXXX points, plus XXXX $ difference paid from a different credit card. Tickets were for XX/XX/2020 and because of COVID pandemic I was not able to travel. XXXX gave me vouchers for the amount spent to use within 18 months. Still because of the pandemic I was not able to use this vouchers and XXXX allowed me to get a full refund for the tickets originally purchased but stated that the refund had to be released from Bank Of America, which in this case played the role of travel agency. After tens and tens of attemps and stressfull and time consuming hours over the phone Bank Of America has still not refunded me the points and the amounts paid for the tickets.

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 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They sat I owe XXXX XXXX XXXX XXXX XXXX for some sort of medical I've made several attempts to tell them I've been on Florida medicade since XXXX giving them all info to confirm this. I've filed a dispute with trans union they denied the dispute here is the number they gave me. XXXX. I'm at my wits end I've tried to rectify this to no avail. I can't even get the date of the service I was billed for but i was in a Florida prison from over a year prior to the date on my credit report until XX/XX/XXXX. No one will give me any info they just want ne to arrange a payment plan

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 2018-12-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
National Credit Adjusters sent me a letter stating that I own {$440.00} on an account that is not mines. I replied to them and stated that the account was n't mines and if they can validate the information by providing a copy of the original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if they do not take this off my credit report no later than XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting assistance with collections for what I believe is a case of identity theft. 

I have contacted Cedar Business Services and they refuse to mail me the documents that make them believe that I am responsible for this debt. I have an Exceptional payment history with XXXX XXXX. Cedar Business Services reported these debts to credit reporting agencies. 

I wrote to Cedar Business Services on XXXX XX/XX/2019 : " I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2019 and identified the debt as XXXX XXXX Creditor. I do not have any responsibility for the debt you're trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, XXXX, and Equifax on several occasions more recently on XX/XX/XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, TransUnion, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.

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 2022-01-24
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the past several months, beginning in XXXX, I have been calling in several times a week to speak to my account officer assigned to me during the forbearance period. Within this time I have written in to XXXX, XXXX XXXXXXXX Complaints and have not received any assistance with a loan modification signed and notarized to bring my Mortgage payment down, my interest rate down. I called XX/XX/XXXX, XXXX, XXXX and XXXX along with XX/XX/XXXX and XXXX each of those calls escalating my case because they could not do anything but wait for a review and a supervisor to call me back. 
Calls in XXXX, XXXX, XXXX and XXXX had the same response as well as XX/XX/XXXX, XXXX and XXXX and throughout XXXX. 
I was not offered the XXXX  for reasons US Bank was an option they decided who would be hand picked to allow into the XXXX so I had to settle for the Modification that my assigned representative XXXX XXXX offered in XXXX of XXXX. A notary was sent to my home and on XX/XX/XXXX, I received another letter stating of confirmation of this modification, yet I am XXXX and I pay an increased amount of XXXX well over my original mortgage due prior the forbearance and above the XXXX agreed upon with a 3.25 interest where is was higher prior. 
I am not in a position to pay the increase US Bank imposed. I am have been told US Bank was not honoring the modification on XX/XX/XXXX. The representative advised me he would call me back within 2 days with the reason why, and he again, did not. 
I am being discriminated against since I filed a complaint with CFPB for the XXXX not being offered. No one at US Bank is able to assist me after multiple recorded calls and email receipts and various letters. 
I spend approximately 2 - 4 hours a day attempting to get assistance, and no one at US Bank is authorized to do so on 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 non-monetary relief
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
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:
CitiBank - CitiCard, Credit Card Division - Citibank closed my account, due to inactivity, last activity was in XX/XX/XXXX a payment of {$1.00}. I have had this account since XX/XX/XXXX. As a result, my FICO credit score, and other credit scores by other reporting agencies have tremendously dropped by at or around 40 points. I requested Citibank reopen the account. CitiBank has informed me that in order to reopen the account, and regain my credit history since XXXX XXXX, CitiCard will have to pull my credit. I have 90 days to decide whether to reopen the account, otherwise credit history is lost. The issues I find here include the following : 1. I was not given notice prior to account closing. Section 7 of Credit Agreement states the following : " Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' Notice should be given to customers prior to closing their account that has been opened for close to a decade. CitiCard representative also stated that you have informed colleagues that notice should be given to customers before account closing. 2. My credit history has been damaged as a result of CitiBank closing my account. I have been personally damaged by my credit history declining as my husband and I have began the homebuying process, initial discussion with real estate representatives and banks. 3. I have been damaged with this inconvenience my time and pice of mind has been damaged. I called CitiBank on XX/XX/XXXX on or about XXXX XXXX PST and was on the phone with a CitiBank representative for close to an hour. My issues have still not been resolved. I am reporting this complaint to resolve my issues by opening the account without pulling my credit score.

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 2020-01-02
Company: ATHAS CAPITAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I have applied for a primary home loan with the aforementioned mortgage lender on XX/XX/2019. I supplied lender with all documents as requested by them in a timely manner and was issued a conditional loan approval with XXXX, which expired XX/XX/2019. 
All of my outstanding conditions were submitted to lender no later than XX/XX/2019. I was told by the loan originator that I will be closing no later than XX/XX/2019. 
The lender has not provided any updates to me in regards to the status of this loan since XX/XX/2019 other than a few emails from the Sr account manager stating that " he is working on it ''. My loan originator, title company, and myself have been trying to reach them multiple times daily with no luck. I have been a XXXX   for many years and have never been so appalled at how unprofessional this company has been. Because it was stated that I was able to close no later than the XXXX of XXXX I am now in default of the contract and will loose my earnest money deposit along with the other monies spent during my dealings with this company. 
The biggest issue I see is the fact I was never provided a loan estimate after my initial application. I have requested this because when they sent me my conditional approval it was for a higher amount down, which is not what I originally applied for. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a collection on my credit report 's all XXXX of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with XXXX I was told it was valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a Navient student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: NC
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 complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say  the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX XXXX Complaint XXXX I submitted the information below. 
Some has used my personal identification information to open an account and applied for others that I was not aware of until recently. I have never heard of this company and have not completed any application to purchase anything from them or received anything from them. I am a victim of identity theft. There is no third party or reason to request any type of authorization. 
The company responded on XX/XX/XXXX that they need authorization to review my dispute which is obviously a computer generated response. SO I am sending this back again today to have you remove this FRAUD information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation