BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with Equifax and XXXX  refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, Equifax and XXXX  After further investigation .XXXX  remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX  XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe Equifax or XXXX ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX XXXX XXXX-XXXX-XXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make my monthly payments to Hyundai Motor Finance and 3 of the 9 payments I have made has been returned stating that the payment did not go through. Each time I am required to pay a fee for the payment not going through. I pay all of my bills with the same account information and Hyundai Motor Finance is the only company that habitually returns my payments. I have repeatedly asked them to rectify the problem and they have refused. I do not want to continually make payments for them to be returned requiring me to pay additional fees that I should not have to pay.

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 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2019 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi Bank 's Sears credit card has breached contract. 
I accepted an promotional offer from Sears Card which offers 10 times ThankYou points for spending on grocery, restaurant and gas station for each month over {$1500.00}. Sears also offers 5 times ThankYou points for online shopping. 

I could have used other credit cards which offer rewards/rebate from 3 % to 5 % cash for spending in various categories such restaurant, gas, grocery and online shopping. 

I started to use Sears Credit card instead of other credit cards for food, restaurant, gas and online shopping. 

When Sears Card made the promotional offer which I accepted, my credit limit with Sears Credit card was {$3000.00}. The promotion offer covers spending on its card from XX/XX/XXXX, to XX/XX/2020. So, I have used Sears Card in last several months and I have earned ThankYou points. I made full payment every month, in particular, during the month of XX/XX/2020, I paid twice the amount of statement balance since I forgot the payment was scheduled, so I paid twice. 

Several days ago, while, my Sears credit balance was negative due to double payment, Sears Card/ Citi bank unilaterally reduced my credit limit from {$3000.00} to {$250.00} which limits my spending on this credit card. The reason given of the sudden change of my credit limit is due to an untrue delinquency report on my credit report. 

The consequence of not be able to use Sears card is that I can't earn XXXX  thankyou points. I have spent over {$1000.00} on Sears credit but would be short of {$1500.00}, I won't be able to earn XXXX  points which equates {$150.00}. I could have used other credit cards to pay for these spending and I could earn over {$100.00} cash rewards with other credit cards. 

Citi bank breached contract with me, as simple as that. 

Citi has two options to cure the breach of contract. First, restore my credit limit so that I can use Sears card to fulfill my spending commitment, then to earn my points ; or Citi awards me XXXX  points, I don't need to use Sears credit card. The only reason I use it is that it offers Thankyou points. 

I would lose reward ThankYou points worth of {$150.00} since Sears breached contract to reduce my credit limit. I could have earned cash reward with other credit card if I hadn't used Sears Credit card.

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 2020-12-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

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 2020-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning, My name is XXXX XXXX. I am filing a complaint with Citizens Bank. 

I filed a claim for {$4000.00} on XX/XX/XXXX for fraud. I lost money to a scam on a dog walking app via a check deposited into my account Citizens Bank did not detect as fraudulent. The claims department took ten days to investigate and sent me a letter on XX/XX/XXXX saying " Records indicate that you engaged and authorized the transactions '' and as a result they didn't credit me the {$4000.00} I lost to fraud. 

They also said that someone from the claims department was going to call me to further explain their decision. Someone called on XX/XX/XXXX via an unknown restricted number. I didn't pick up because it was an unknown number. They left a message asking me to call them back. I tried calling back but couldn't since it was restricted. 

I have called Citizens Bank customer service nearly every day since. Every time I call they say they'll escalate it to claims and someone from the claims to department will reach out in 2 business days. I asked if there was anyway I could reach out to claims and they said no since they were all working from home because of the pandemic. The only way to get in contact with them is for them to call me. It's been over two weeks an no one from claims has reached out!

Someone from the customer service department in claims even notified their manager to get claims to reached out and claims still hasn't done anything!! 

Background about the scam : I XXXX XXXX XXXX through an app called XXXX. A person named XXXX reached out to me on XX/XX/XXXX asking me to XXXX XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Which I thought was kinda weird but figured was harmless cause its a XXXX XXXX app ). He was moving with his family from XXXX to XXXX which is where I live. He sent me a check of {$3900.00}. I kept {$80.00} of that for the money I would make XXXX XXXX XXXX. When it was deposited he texted me saying his wife found a better deal elsewhere where he got a 30 % discount on the dog food and to send the remaining {$3900.00} to a woman in XXXX Alabama. I did that and incurred a sending fee of {$120.00}. Then when that was sent to her he texted me saying something wasn't working on his end and emailed me a new check. I went to deposit it yesterday morning ( XX/XX/XXXX ) and my bank said it wasn't real and that the check deposited was fraudulent and I had fallen for a scam and lost {$4000.00}. Because the check was fraudulent ( and technically never existed ) {$4000.00} of MY money was taken out of my account and wired to the scammer in XXXX Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021. I received a call from an Amerisave LO ( loan originator ). Informing me of my great chances of getting an approval refinancing my home. Yes, I was looking to refinance. He promised me the moon and beyond. I explained to him that I was rejected before by another institution, because my DTI was around 49 % to 50 %. I know that was my mistake. But I stated that we payed all our debts on XX/XX/XXXX and we lower our DTI to around 35 %. We payed over $ XXXX, so we can be in compliance and don't repeat the same mistake again. Imagine having DTI 35 % and LTV of 36 %. Plus a household income of {$3900.00} monthly. Of course that LO from Amerisave is going o promise me the moon. Even though having all that excellent info. Amerisave and all their LO have their unique internal policy of charging {$500.00} in advance on the first call. When he said that I won't have any problem at all getting my refinance done. So I accepted. Big mistake. Those LO salesmen, they don't care about you neither Amerisave. They just want their commission and stay on commission-based payroll. After one whole month without hearing from them, calling and emailing, they finally answered. Asking me " Im looking at your application now..In the income section its only showing {$1.00} monthly incomeIs this correct? " ... WHAT? ... that's not what I said, I said {$3700.00} and the paystubs proves it. So in other words somebody screw-up. After another month of pointing fingers. Now they telling me : because we stop working for furlough in Florida during the pandemic between XXXX. they can't continue the application. Under XXXX XXXX Guidance, there are exception to that, when the applicant is been working for at least 6 month and continue working by the time you apply. So what's the problem now? It's been a year since that furlough, making an average of {$3900.00}. But no, they just decided to throw away my application and keep the {$500.00} in advance. So what's the business here? living of commission or getting things done and get new customers? I spoke with many people in their Institution, but nobody cares. They just don't answer my emails anymore. But suddenly I received yesterday XX/XX/XXXX another email inviting me to apply again with them. Are they in some kind of medication or what? 
I want my {$500.00} now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the company some time ago and settled the debt. The company has not removed the collections account from my credit report. Multiple attempts to contact, matter has not yet been resolved.

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 2020-12-15
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Exeter Finance Corp.
State: UT
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, on XXXX. XXXX, 2020, EXETER FINANCE CORP and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, I applied for a home mortgage with Truist Bank. 
Truist provided a Loan Estimate on XX/XX/2021, with Estimated Closing Costs of {$13000.00}. 
On XX/XX/2021, Truist notified me that I was required to complete and pay for septic repairs as estimated by XXXX XXXX XXXX in the amount of {$7700.00}. 
Truist provided a Closing Disclosure on XX/XX/2021, with Closing Costs of {$11000.00}. These closing costs included my payment of {$7700.00} to XXXX XXXX XXXX, and a credit of {$7400.00} for increase of Closing Costs above legal limit. 
I contracted with XXXX XXXX XXXX to complete the septic repairs, the repairs were completed and I paid {$7700.00} to XXXX XXXX XXXX by XX/XX/2021. 
We settled the mortgage and purchase of the home on XX/XX/2021. At settlement, Truist did not include my payment to XXXX XXXX XXXX as part of my closing costs. By doing so, Truist increased my closing costs above the legal limit, did not account for it, and avoided giving me the required credit of {$7400.00}.

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 2020-12-15
Company: EQUIFAX, INC.
State: MN
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:
In XXXX ofXX/XX/XXXXI have filed a notice with XX/XX/XXXX, Equifax, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of XX/XX/XXXX I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting 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 XXXX Account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Lockhart, Morris & Montgomery 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: Information belongs to someone else

Complaint:
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.

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