BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
Not my accounts

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 2020-03-12
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received notice from Receivable Solution about a debt that I questioned. I sent them a request for validation including but not limited to a contract or signed authorization in concern to HIPAA violation by certified mail. Yesterday I received a letter back from them signed by XXXX XXXX. The letter including a print out with my personal information and medical costs and treatment without no signed contract or authorization with my name on it. Medical records are confidential and should not be shared with third party without the patients permission in which no permission was given. With that being said Receivable Solutions is in violation of the FDCPA and if they continue to attempt to collect this debt and report it on my credit reports they will be in further violation. Please make note of this complaint and help me to resolve this matter immediately without any further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: CT
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:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

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 2022-07-15
Company: Experian Information Solutions Inc.
State: MS
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 XX/XX/XXXX Inquiry XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out 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 2016-08-18
Company: TRUHOME SOLUTIONS, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX 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 2015-03-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a " collection '' account reporting to Equifax. XXXX XXXX XXXX VA XXXX. I sent a certified letter to the collection agency ; which they did not bother to respond to. I got an email from Equifax today saying the company confirmed with them the amount is correct. I do not have an account in collections with them. They have no right to report this and it seems the credit bureau is " taking their side '' as well as blatantly ignoring the FCRA. I want this deleted from my report. Anyone with a XXXX grade reading level can see the information is wrong. It says I opened the account in XX/XX/XXXX but that my first delinquency is in XX/XX/XXXX. Clearly, that is fraudulent in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!

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 2020-03-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 someone in XXXX, New York tried to withdrawal {$3000.00} out of my bank account and was stopped by the branch manager at Chase. They went to a second branch and were able to withdrawal the full amount ( split over two transactions to not require a manager override ), leaving my account with less than {$50.00}. I called that day and filed a claim and was told that I would be totally taken care of in 5 business days. I called for more information on the 4th day and was told that now it could take 90 days, that 5 days was just a guideline, that there's no information on the account and that no one is able to make an outbound call to update me. In the meantime I don't have access to my paycheck or my money. The Chase manager at the offending branch said that they did everything right, which can not be the case. We live in Ohio, there are no transactions that occur anywhere near New York. I would like some assistance getting this resolved please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently became aware of identity fraud committed by an individual in my family. I am unaware of which banks accounts were opened with. However I am aware that I am a victim of identity theft. I have already filed another dispute with XXXX XXXX and would like to file a dispute with XXXX XXXX XXXX XXXX and bank of America. The individual was able to use my social security to open new account in my name however I have been unable to determine which banks the accounts were opened with without the help from these institutions.

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 2022-07-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported unauthorized use of my debit card on the XXXX of XXXX in the amount Of {$380.00} and even submitted gps location to prove I was not at the location of the withdrawal when it took place and they deemed it unsatisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CITI MORGAGE lied to me XXXX times on my morgage.They said if I made payments in a modification plan for 6 months, they would cut the payments down to a more reasonable payment since I lost {$2000.00} in income.They did not reduce the payments, in fact they went up on the payments.I filed bankruptcy, but did not put the house payment in the bankruptcy.We tried another modification .The modification was for me to pay {$660.00} down and {$300.00} in lawyer fees.They lied to me again. They went up on the payments. I ended up finally in foreclosure.I tried XXXX more time for a modification.This time they came back saying I did n't have enough income to pay a modification. I though that was why they do modifications. so I let them take back the home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: SLM CORPORATION
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
MY GRANDPARENTS COSIGNED FOR ME A COUPLE LOANS THROUGH SALLIE MAE. LONG BEFORE I GRADUATED THEY STARTED DEMANDING MONEY IS LARGE SUMS. MY GRANDPARENTS PAID THEM OVER XXXX AT ONCE WHEN THEY GOT TRICKED INTO THINKING THEY HAD TO. I HAVE TRIED TO TELL SALLIE MAE THAT I MAKE XXXX HOUR AND ALONG WITH BILLS AND RENT I ALSO HAVE A CHILD TO TAKE CARE OF. I CAN BARLEY AFFORD TO PAY THEM ANYTHING BUT AM WILLING TO PAY THEM XXXX OR SOMETIMES MORE A MONTH. MY GRANDPARENTS ARE RETIRED AND CANT AFFORD TO PAY THEM WHAT THEY ARE DEMANDING. THEY ARE NOW CALLING MULTIPLE TIMES AN HOUR MAKING THREATS AND HARASSING US AND BULLYING US. THEY SAID MY LOANS ARE IN DEFAULT AND NEED MY GRANDPARENTS TO PAY XXXX UP FRONT NOW AND ME MAKE XXXX MONTH PAYMENTS. I TOLD THEM I CAN SEE ABOUT THAT A MONTH BUT MY GRANDPARENTS CANT AFFORD THE XXXX UP FRONT. THEY WILL NOT SETTLE FOR ANYTHING BUT THAT. THEY ARE THREATENING TO SUE AND THEY INVADED MY GRANDPARENTS PRIVACY BY LOOKING INTO THEIR BANK ACCOUNT. MY GRANDMA TOLD THEM SHE COULD NOT AFFORD TO PAY THAT UP FRONT AND THEY TOLD ME THAT THEY KNOW SHE CAN AND THAT THEY KNOW MORE ABOUT IT THAN I DO. THE SALLIE MAE REPS ARE VERY RUDE. IM NOT TRYING TO GET OUT OF PAYING BUT I WANT MY GRANDPARENTS OFF THE HOOK AND FOR ME TO BE ABLE TO PAY AFFORDABLE PAYMENTS A MONTH. I CAN NOT GO HOMELESS BECAUSE OF THEM. I HAVE MY CHILD TO THINK ABOUT AND MY GRANDPARENTS BARELY HAVE MONEY, JUST ENOUGH TO COVER BILLS AND FOOD. PLEASE HELP ME GET SOME TYPE OF RELIEF. IM ABOUT TO GO CRAZY. AGAIN THEY CALL MULTIPLE TIMES AN HOUR WITH ACCUSATIONS AND DEMANDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
On XX/XX/2022, a balance transfer was initiated by CapitalOne to an ( XXXX Bank ). The balance transfer was in the amount of {$2000.00} paid to XXXX Bank, by CapitalOne. 
In the disclosures, it states the following : Interest and Fee Information APR for Transfers : 19.4 % VARIABLE Fee : None. 
How To Avoid Paying Interest : - Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 

I've consistently paid every balance in full each month, as well as paid this balance transfer in full. 

On XX/XX/2022, CapitalOne assessed an interest charge of {$9.00}. When contacted, they said that the interest charge would be applied immediately after the balance transfer at the rate of 19.4 %, which conflicts with the disclosure. They also indicated that interest would be charged IMMEDIATELY and throughout the next billing cycle, through the month XX/XX/2022 which has yet to be assessed. Presumably, this interest charge will be roughly {$32.00} ( based on an estimated 19.4 % APR ). Again, this interest charge should not be assessed, since the disclosure states 'How to avoid interest ' and that they : " Your due date is at least 25 days after the close of each billing cycle. We [ CapitalOne ] will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. '' I was not given 25 days before they started assessing interest. Interest was charged within the current billing cycle for the {$2000.00} balance transfer. The due date for this balance transfer is XX/XX/XXXX I have a copy of the disclosure that was provided to me at the time of the balance transfer. Had I known that the balance transfer would have been assess interest, I would not have proceeded with the transaction, since my intention was to pay the balance in full ( as I have done consistently for the last 10 years ), within the billing cycle that the balance transfer was due ( aka 'the statement period ' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: Duncan Solutions, lnc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a debt collection notice on XX/XX/2019 because my XXXX  didn't work while I was driving in XXXX 2019. Because I was moving around, I didn't hear back from Delaware DOT and it was sent to debt collection. I mailed them a letter ( drafted using the XXXX website ) on XX/XX/2019 asking for more information about the debt, but heard nothing back. I sent another letter in XX/XX/2019 and heard nothing back. I received a letter from them dated XXXX XXXX that said " 2nd Collection Notice ''. I called them back and asked them why they didn't reply to my two previous inquiries. They said they couldn't mail me back unless I lifted the case and desist letter. The customer service representative said they were going to mail the information I asked for, but then stopped when they received a Cease and Desist letter. I then asked how I got another letter, and they said they did not know. I asked to speak with a supervisor and the supervisor said they had no record of me asking for information about the debt. She gave me another PO Box number which was different from the letter PO Box number on the mail I received. She said she would file a dispute and an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at XXXX. XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: National Account Systems of Omaha, LLC
State: NE
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:
This account is showing on my report : NATIONAL ACCT SYSTEMS-OM XXXX, NE XXXX NATIONAL ACCT SYSTEMS-OM XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency National Account Systems

Company response to consumer: Closed with explanation