BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was turned down for a home mortgage because of a collection account reporting on my credit report for XXXX. This account should have never gone to collections as I paid the final bill in full. XXXX billed my account for another month which is what caused the unnecessary balance that I was forced to pay. The collection agency lied to me on a recorded line stating that this account would be deleted from my credit report. I am requesting that the recorded line be listed to by a supervisor and hear what was promised to me. I feel like I was strong armed by thugs dealing with this company and their sneaky wordings to make you think your getting something that your not. This is not right for the way I was treated and it has affected my ability to close on my investment property. I am going to allow this company 30 days to send the request to delete this account from my credit report or I will be filing a lawsuit for damages on the profits they have caused me for this inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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:
I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college. After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on Experian 's part.

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 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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 balance transfer

Complaint:
On XX/XX/XXXX, I received my card and cardmember agreement from American Express. On XXXX XXXX I contacted American Express to apply for a balance transfer, however I was informed by customer representatives and supervisor XXXX ID # XXXX that American Express does not allow balance transfers after the first 60 days of card opening or without a promotional offer. This information is contradictory to the information clearly stated on the cardmember agreement, which states that : " 0.00 % introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 14.74 % to 25.74 % based on your creditworthiness and other factors. '' There is no further information on the cardmember agreement that references balance transfers not being accepted after the initial 60 days after card opening. There is also no information in the cardmember agreement that states that the only time to apply for a balance transfer request is within the initial 60 days or during a promotional offer. When I asked American Express representatives to provide the stated balance transfer application rules, I was informed that they could not. I have included the information about balance transfers that I received when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
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:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.

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 2021-11-17
Company: CITIBANK, N.A.
State: NV
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:
I opened a shell fuel rewards card by Citibank in XXXX of XXXX. Since my first statement I have contacted the credit card company at least once a month to get a statement that reflects the discounts and rebates. It has been promised to me by XXXX to have this issue resolved in XX/XX/2021 to date nothing has been resolved. I continually have to call and follow up with different people that do nothing but promise they will fix the issue. It is now 6 months later and I can not get them to provide me with any accurate statement. What I am told is it is showing on their end - that does nothing for me I really do not care about what they can see I need an accurate bill. They were supposed to send me copies of all my statements with the details I have never received any statements except for the monthly statement that is not accurate displaying the discounts and rebates. I asked for them to call me back and was told they do not do outbound calls. To make this even more frustrating I have paid every bill on time with auto pay in full- they can take my money but will not provide appropriate back up for the bills. I have every bill and can provide all information if necessary plus the messages I have sent in their mobile app- where they basically blow me off once again. To me this is clearly switch and bait. I simply want an accurate statement displaying my discounts and rewards from every transaction from inception of this credit card. In my opinion they clearly have no intention of providing it. I need help in getting this information ASAP.

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 2022-05-13
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing for help to get my balance of {$100.00} that is being held by CASH APP in my account under the user name $ XXXX. I no longer have access to the account since i got a new phone number, and they will not help me update or access my money/ account. I have been trying to contact them on and off since XXXX to resolve the matter, and to date, they have not given me my money. I only get automated responses that don't apply to my situation. 

They have a bad set of practices that prohibits me from being able to access my account simply because I got a new phone number, and wouldn't allow me to update my information. My old phone number that is attached to the account has been reassigned to someone else. I notified them numerous times that I'm locked out of my account and can't get my money. They have done nothing to help me and they have possession of my {$100.00} under that account name. 

I have since opened a new account under the name XXXX XXXX and same email address as before XXXX. the new phone number associated with the new account is XXXX XXXX XXXX. I was hoping they would forward my balance to the new account but I'm entirely frustrated. 

Please help me get my money Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report a fraudulent & unverifiable account on my credit report. XXXX XXXX XXXX should be removed from my report. I 've disputed this account numerous times with Experian, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to this account is n't even listed on my credit file. I 've requested the XXXX XXXX XXXX account be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like this unverifiable account removed immediately. If Experian continues to claim they 've verified this account again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.

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 2022-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX. has violated my rights 15 u.s.c 1681 section 602 A.states i have the right to privacy 15u.s.c 1681 section 604 A section 2 it also states a consumer reportiong agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to 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 2022-07-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of this year I deposited {$15000.00} with Citi Bank from a promotional offer they sent me that was maintain a balance of {$15000.00} or more and receive a bonus of {$400.00} after 90 days. I kept my balance at XXXX the entire time. What they did was say I wasnt eligible to receive the bonus because my checking account had been closed. They closed the checking account themselves, not me. They closed it they said because I hadnt maintained a balance in there even though they said either checking or savings account in the promotional offer. I called and they just told me to go XXXX myself basically. Avoid Citi ( XXXX ) bank whenever possible. Misleading and purposely deceptive business practices.

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 2016-05-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are several incorrect addresses in XXXX, where I have never lived, on my credit report related to an identity theft that occurred in XX/XX/XXXX. There was a police report filed, and the financial credit issues have been dealt with by the credit reporting companies, but these addresses persist on my credit reports and are now being reported along with my background check information. I am a teacher, so I have background checks for my job. All XXXX credit reporting agencies are aware of the past identity theft, and have copies of the police report and all other related information. I would like all XXXX addresses removed from my credit report, as I have never lived in XXXX! The person who stole my identity was tracked to XXXX through the postal service. I have resided in XXXX since XX/XX/XXXX, and I lived in XXXX and XXXX before that.

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 2021-11-17
Company: AES/PHEAA
State: CA
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:
I have contacted the American Education Services and spoke with 3 separate representatives to try and receive help on lowering my high repayment amount before it fell past due ( {$420.00} ). The first representative told me I need to apply for a Loan Modification application to be approved but I had to pay {$25.00}. Once I did that they could not provide me with a confirmation number or any information. They kept telling me someone will get in contact with me, they didnt have the information. So I tried to speak to another rep that same day, who told me that they saw the notes on my account and the last representative did not process the request correctly and that I would be denied because my account was current. I needed to wait until it was past due and contact a different servicer they use to apply. So I waited 3 days past due date, called the number they provided and was told they dont service that loan and had to contact American Education Services again for the correct information. So on XX/XX/2021 I contacted AES for the 3rd time, asked of the Coranado contact information and was told they dont have a number for them but they are able to process request but because I was previously denied she wouldnt be able to do it again. She proceeded to tell me I can look up their contact information myself because she didnt have it. So I spoked with 3 reps that all said 3 different things, and am now left with a late payment that will go on my credit and no options for help too at bare minimum lower the payment amount. 

Furthermore I would like to address that this loan is from The XXXX XXXX XXXX XXXX that is no longer open ( my degree is no longer valid ) this school was sued by the US Government and want to seek help on if there is an option to discharge this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a notice of error to my mortgage company about my escrow account statement being incorrect. I have proof from the post office that it was received on XXXX XXXX it it's now XXXX XXXX and I have not receive a notice acknowledging my notice of error has been received. My mortgage company is stating I have a shortage on my escrow account when in reality I have a surplus. They are estimating my county taxes higher than what it is and I have provided the bill to prove it. I'm asking that they fix the error and refund me the surplus.

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 2020-11-25
Company: Experian Information Solutions 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2023-02-03
Company: World Acceptance Corporation
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:
On my credit report World Finance has a account which has 2 different account number and balances Information is not the same Like its 2 separate accounts which one is the right amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One Auto finance was informed of my late payment in XX/XX/2020 due to COVID 19 and I sent in documents twice explaining my job loss and difficulty paying on time due to COVID for 1 month. I paid off my loan amount and they promised to remove the 30 day late payment. It's been 3 months and Ive constantly asked them to remove it after they promised to remove it. 

Its on my XXXX  report and it's hurting my scores detrimentally. I would really like some assistant with getting a response out of them on why it hasn't been removed yet. It's not reporting on my XXXX  or XXXX.

Company response to consumer: Closed with non-monetary relief