BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
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: Old information reappears or never goes away

Complaint:
I disputed obsolete student loans with Experian in which they ere deleted. I have attached the credit report for XX/XX/XXXX. As you can see all of the XXXX creditors had been deleted as they are obsolete and have passed statue of limitations. Experian without notice 5 months later reinserted the deleted accounts from XXXX. I discovered XXXX was reinserted 5 months later ( XX/XX/XXXX XXXX, please review credit report as it was reinserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item and you did not. I did not receive any such notification from Experian. Please delete this item immediately. Experian and XXXX is reporting information that has been falsified to keep on my credit report pass the obsolete time frame. XXXX XXXX XXXX is the same company that I previously disputed and the obsolete accounts were deleted by the name of XXXX XXXX XXXX XXXX ( XXXX XXXX  ). I have attached the letter from XXXX acknowledging that they are XXXX XXXX. Please review the credit report dated for XX/XX/XXXX and XX/XX/XXXX, it shows the original opening dates of the accounts in which the debt collector purchased ( XXXX XXXX now XXXX XXXX ) is reporting as a recent accounts which is against the law. Collection accounts must be purged from your credit reports seven years from the date of default on the original account. When a collection agency purchases a debt, they can not re-age the account to restart the clock and this is what XXXX has done. In fact, any changing of the date of first delinquency, the date of default, or the purge from date on an account would be illegal. Please review the credit reports attached. If you refer to the original creditors on the XX/XX/XXXX credit report, it shows the original creditors which were in XXXX. All of the original account dates exceed 10 years of age and exceeds statue of limitations. I am asking you to delete the accounts immediately or I will have to seek legal representation against Experian and XXXX. The original creditore was contacted and was aware I was XXXX over 10 years ago.

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 2017-06-25
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in the process of trying to do a deed in lieu with CitiMortgage officially since XX/XX/XXXX when I vacated the my home. I have had several different negotiators and they are have just been stone walling me. I have a second mortgage which I had to get approval from them to accept the settlement offer that Citimortgage as offering to them. XXXX XXXX finally accepted their offer but now My negotiator keeps stating that she is not receiving the documents that have been sent over to them. I had to get an extension from XXXX XXXX because of CitiMortgage. We obtained the extension which was until XX/XX/XXXX because Citi needed a 30 day time span. XXXX XXXX sent them the extension on XX/XX/XXXX and I sent it to them on or around XX/XX/XXXX. <P/>My Citi negotiator does not respond to any of my questions and now I am again receiving a request for the extension along with the XXXX forms all of these items have been sent to Citi on 3 or 4 occasions. <P/>I emailed a compliant recently to Citimortgage and am waiting on a response. However I emailed a complaint to Citimortgage in XX/XX/XXXXand the only thing that happened was I received a letter from XXXX XXXX in response actually trying to blame me for the reason it is taking so long for my deed of lieu to complete. <P/>I need help with Citimortgage. My negotiator does not read my emails and I want this issue to come to a conclusion. The longer it take my negotiator to do her job the worse my credit gets. unfortunately I lost my job and was unable to keep up with the payments on my mortgage. Citimortgage was suppose to help me and make this issue go smoothly. Their own paperwork stated that the process should take only 2 months. I lost my job on XX/XX/XXXX. In XX/XX/XXXX I advise Citimortgage that I would not be able to make payments, I put my home on the market and because of where we lived I was unable to sell my home. <P/>I know that Citimortgage does not care if this process goes through or not but there is a system set up for them to help me to complete this deed in lieu and they are to doing their jobs. <P/>Citimortgage has turned this process into an absolute nightmare and I need help from someone that can make them do their job so that I can begin my life over again. Any help you can give me will be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
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: Investigation took more than 30 days

Complaint:
i filed a dispute its been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN BUSINESS CRED Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Conn's, Inc.
State: CO
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 have reached out to the creditor and the credit bureaus on multiple occasions. I have received no response. This account wads open XX/XX/2015, It is and outdated account that is reporting has charged off but has a negative balance. This account has been paid in full and is out of the statue of limitation of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this card since 2011. {$500.00} limit. 
I am on my son 's account too where I purchased {$4500.00} and paid off on 18 months. 
My credit score is XXXX. I am trying to purchase flooring approx {$1500.00} w/ install. I have other cards but don't want to use. I want limit increase. For this purchase. My balance is usually XXXX  10 - 18 months

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 2017-06-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied Chase Preferred Sapphire last month after being told by my banker that I am pre approved. Later the card was declined. When i spoke to reconsideration department i was told that i was not pre approved. I went to bank again and the banker who applied the card on my behalf spoke to lending department and he was also told that i was not pre approved. It seems that there is some discrepancy between the system banker is using and lending department is using or there is some bug in the systems. In any case, my credit report has been damaged due to the hard pull which would have not been done in case I was not told that i was pre approved and i would not have applied for the card.This is clearly due to the issue at chase system and i have suffered due to this. The intent of this message is to escalate this issue to the appropriate department and to get the hard pull reversed as the root cause is due to problem at chase side. Banker has already placed a request for the reversal and he was told that the request for the hard pull reversal has been made. I want to make sure that the reversal is done. Please confirm to me that the hard pull has been reversed. I was told that i was pre approved in branch whereas the lending department was not able to see that i am pre approved. I went back to banker and he confirmed again that i was pre approved. There is clearly some discrepancy in the systems used by banker and lending department. This is clearly a issue with chase and i would not have applied for the card had i was not told that this is a pre approval. This is clearly a mistake at chase side and thus my hard pull needs to be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX  XXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''

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 2017-06-25
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our payments on our Home Equity Lline of Credit. After several attempts and complaints we were finally modified by our bank. However the modification we signed and our statements are not matching. We modified into a 15 year fixed rate loan with an interest rate of 2.740 %. Beginning balance was to be {$230000.00} which we feel is incorrect and we have sent inquiries on this but to no avail has the bank answered. We feel we were cornered into signing this or we would have lost our house. <P/>We made our 3 trial payments and have been paying monthly since. We are behind a month due to the renter of the property not paying us but the real issue is the way the statements read and issues with the modification itself. Attached is an amoritizattion schedule which was run and the amounts no way match the statements being sent to us. We need to know where every penny went and how it was arrived at. Also we have never received a signed modification by the bank and we signed this modification back in XXXX of 2016. Also this modification was to be recorded. As of today this has not been done. Attached is a copy of a runoff from the County recorder showing no modification recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: BARCLAYS BANK DELAWARE
State: DC
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:
The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We purchased a car through XXXX XXXX XXXX that was financed through Westlake Financial in XXXX 2015. We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tage, I contacted Westlake Financial and asked if they could assist with getting the tile or if they had th etitle to the car. Westlake informed me that they did not have the title, but would be able to get it for me. They wanted me to sign some documents to suspend the loan payments. Three months after signing the suspension documents, I called Westlake Financial and spoke to XXXX XXXX and was told that the title had not been obtained. Westlake ten stated that they could pick up the car and at the time that they had the car in their possession, they would then mail e a check for my money. The Westlake agent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket osts so far - {$16000.00}. The interest rate on Westlake 's loan was : 20 % /.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
I have contacted Lexis on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is refusing to block/delete accounts I've identified as fraudulent transactions and asking me to provide to them documents that are not lawfully required in order to remove these fraudulent items.

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 2022-03-12
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX {$14.00} I dont have a contract/agreement with the collection agency and I dont recognize this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 non-monetary relief