BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
All three credit agencies fail to show that I have a credit card account with Citi. I opened this account in 1991, over 30 years ago, and have maintained it open continuously since that time. This is the only revolving credit account that I have open and I have no other debt, although I have 30+ years of excellent credit. I haven't used my Citi credit card for about a year, which resulted in Citi no longer reporting my account to the 3 credit bureaus. Because they don't report my open account ( which has a {$25000.00} open and accessible credit limit ), all three bureaus no longer show that I have any open accounts and don't recognize that I have had this card with excellent payment history since 1991 ( my oldest credit account ). This has caused my credit score ( previously XXXX in XXXX of this year ) to simply disappear from all three bureaus. I used the Citi card a couple of weeks ago, which Citi says will result in their reporting again to the three bureaus ; however, in the meantime my process of applying for a new mortgage has been completely de-railed. I have two inquiries on my account by the two lenders that both denied me due to the lack of a credit score. I will now have to get two more inquiries on my account if and when the score is re-instated. These extra inquiries can hurt my score. I tried to get Citi to proactively submit the past year 's worth of account status to the credit bureaus, but they insist that they must wait until the next billing cycle, which will be too late for the loan/home I'm trying to purchase. It's unfair to me and unfair to lenders that check my account right now and don't see that I have an open and accessible $ XXXX credit line with Citi, because that card and credit line are not being reported. Going forward, I will use the Citi card more often, but there is a problem with the system if and when banks are not required to report all open accounts to the credit bureaus, regardless of whether or not they have been used recently.

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 2019-07-18
Company: SYNCHRONY FINANCIAL
State: NC
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 was shopping for a new kitchen in XXXX XXXX. I stopped at a kitchen cabinet supplier and selected cabinets, counter tops and Back splash. I was told by the owner that they had special financing on complete kitchen remodels that was no interest for 18 months. 
I thought this was a really good deal. I thought I was getting a one time loan of XXXX for the purpose of a kitchen remodel. I did not think I was getting a credit card loan with revolving credit.. 
Once my credit was approved, the Contractor ordered all the cabinets based on their measurements. The contractor arrived on XX/XX/XXXX and installed approximately 75 % of the cabinets before realizing they ordered the wrong sizes and had no choice but to stop the work until the right cabinets could be ordered. The kitchen is incomplete and the workmanship is completely unacceptable. I stopped all work and cabinet orders in writing on XX/XX/XXXX. 
The XXXX loan with Synchrony Finance is now formally in dispute. I have reached out several times to Synchrony Finance and I have expressed deep concern that I do not have a functioning Kitchen, and it appears they have paid the Contractor the entire XXXX. I now have a non functioning kitchen and an outstanding loan of XXXX. 
I simply don't have the resources to move on with another Contractor until this dispute is resolved. I am a XXXX, and its important that I prepare healthy meals at home. I have not been unable to do this since XX/XX/2019. Please help!!

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 2019-07-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bought condo time share from XXXX through commenity bank. Bought XX/XX/2018. Paid balance XXXX when funds transferred. Next bill showed full balance still. Next statement showed late fee paid. Next statement late fee still showing. Next statement new late fee and added interest from original contract. Paid original contact only new fees added. Offered to pay fees but not interest. Company refused even though I was obviously trying to pay. Also statement came in as XXXX not commenity so got mixed with other XXXX mail. XXXX shows paid in full. They reported current in XXXX then reported late again so keeps hitting report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: GA
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:
The XXXX XXXX Missouri is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX  # XXXX ) Has violated my rights

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 2022-01-11
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: Account status incorrect

Complaint:
My account been reporting as closed for XXXX XXXX from XXXX with a balance of {$830.00} which is false because the account is still open to this day. My credit dropped over XXXX points because of this. XXXX XXXX XXXX have been lying to me stating they been reporting to the credit bureau every month. Im currently on the phone as I write this. They told me they been reporting to the credit which is lying. This is XXXX! This is not fair to me when I got ta try get an apartment or car. This is criminal activity. This is unacceptable that this company allowed this to go on this long

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 2017-06-29
Company: EQUIFAX, INC.
State: VA
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:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-06-04
Company: Home Point Financial Corporation
State: KS
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:
XX/XX/XXXX I received an alert that my loan with Home Point Financial is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX-XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During XX/XX/XXXX, I applied for a mortgage with TIAA Bank. My home was under construction and was expected to close in XXXX. I paid for a 6 month lock {$3300.00} with the promise it would be refunded at closing and also applied under the REST program at TIAA. 

XX/XX/XXXX, I received notification that my loan was now under a new loan officer. Loan officer XXXX XXXX, was unable to provide information on the existing REST program as well as financial information regarding loan. 

Closing was set for XX/XX/XXXX, repeated calls and emails to XXXX went unanswered regarding status of loan approval. Up until XX/XX/XXXX, ten days before closing, I had no closing information or approval or any sense of the status of the loan. 

I believe TIAA had no intention of closing the loan and now is refusing to refund the {$3300.00} that I paid in good faith. 

The main call line leaves message for XXXX and his manager but no information is forthcoming regarding the status of my request. 

I believe the retail mortgage spin off was a fraud and there was never any intention of closing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: DISCOVER BANK
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2017-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They threatened to ruin my credit after sending me a collection notice

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