BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to Equifax, and it seems that you are simply ignoring my attempts at correcting my credit report. I do not believe any investigation has ever taken place because if there had been, this account would not be reporting inaccurately. I've detailed creditor names, account numbers, and facts taken directly from my credit report that prove why they need to be deleted. I have even sent proof of payment for the month that's reporting late. What doesn't make sense to me is that in addition to being inaccurate, these accounts are also in violation for continued reporting. I am attaching an invoice detailing the violations Equifax committed. Please remit payment to the address on the True Bill. I am also attaching my credit report showing that Equifax moved my late payment from XX/XX/XXXX to XX/XX/XXXX instead of deleting it. They then changed the late payment back to XX/XX/XXXX. Please pay the attached invoice and remove the late payment from my credit report due to inaccurate reporting and gross misconduct on your part! I will be seeking legal action if the following account is not deleted along with the said amount due to the many FCRA violations. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Global Lending Services LLC
State: IL
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:
I have been requesting the contract and payoff amount for the Global Lending Services account for which I had been making payments from the company since XXXX of XXXX. The company would never send out the documents for which I had requested. In XXXX, the company repossessed the vehicle on XX/XX/XXXX, citing that the payments for the vehicle was 30 days late. I paid all monies Global Lending Services SAID that I owed ; when I asked for that information in writing, along with a receipt, I was advised by the representative that the company doesn't provide that information. I was then advised that I was 30 days late, which I was not. The company had removed my name from the vehicle 's title, and had to send me a power of attorney document to put it back after paying the money they told me that I owe them. In addition, on XX/XX/XXXX, the company reported to the credit reporting agencies that I was 90 days behind and owed {$13000.00}. I have been requesting the credit bureaus to investigate ; the company provides the credit bureau no documented information. 

I sent GLS a letter XX/XX/XXXX requesting the contract for the loan with the payoff amount in exchange for my payment to settle the account by XXXX XXXX. The original request was ignored. I sent out a second letter extending the offer for XXXX additional days ; the letter was ignored. GLS did not respond to the letter that I sent them, however, they continued to call and report to the credit bureaus. I continued to pay through XXXX. I then sent out a request for the company to send out a release of lien letter to be removed from the title as they have denied me the equity in a timely response and to pay off the loan, which legally and financially settled any business regarding that account. 

GLS has recently reported negative information to the credit bureaus regarding the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NC
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:
Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXXXXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, XXXX, EQUIFAX will handle this matter promptly and in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-09-28
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My XXXX account was transferred to Nationstar Mortgage on XX/XX/XXXX. The first issue I had was trying to get them to report my credit. This took 5 Months. They reported the Balance incorrectly, They reported the High Credit incorrectly, They reported the Term incorrectly, They reported late payment in which I never had Incorrectly. I disputed each and every incorrect report to all XXXX credit bureaus. Which I have internet and Alert with each of these XXXX. XXXX, XXXX and XXXX .. I pay for it every month. Nationstar would only correct XXXX Item when I was disputing XXXX. Then After correcting My Balance and High Credit then the would they would report My original balance and term incorrectly. Then they would would correct My term and my original Balance correctly and then report that I have only been paying for 1 month when I havent missed or been late since XX/XX/XXXX when the loan was modifed. This bank is costing me 1000s of dollars ..on My Insurance, My loans, my car payments etc. Now today I found out they have fixed everything on my credit report and are now reporting it as a closed account.. This is credit sabotage. I called them this morning and they confirmed they have NOT closed my Account and or transfered it. I have my latest Statement for XX/XX/XXXX and it shows my account open and on time ... I even printed out my transaction statement and I have not been late and I am current. This continues sabatage of My credit By this institution should be held accountable and have to pay me for my losses. The FCRA states that incorrectly reporting my credit is a FEDERAL OFFENSE .. I expect them to pay ... Even when they get some things right they turn around and reoprt it wrong the following month

Company response to consumer: Closed
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I seen some fraudulent inquiries reported to my credit report Ive been tryna get them removed no one will remove them

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 2023-05-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. Experian continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. Experian is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.

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 2021-01-25
Company: EQUIFAX, INC.
State: TN
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:
Did not remove the inaccurate accounts, according to the provisions of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had Capital one credit cards for maybe 15 years or more. I have always paid on time never been 30 days late and received at least ten credit cards since getting cards from capital one. I have had numerous increase with all other cards. Capital one hasnt given me an increase no matter how many times I have tried. Within that time and the last time I applied which was in XXXX my credit scores have been at least fair but when I have applied like in XXXX my score which they got was XXXX. The time before this time when I asked for and increase they said to make larger payments and apply again. I did that and they still didnt give me an increase. This time they said I wasnt making high enough payments and I had to many inquiries. I just refinanced and by mistake more then one mortgage companies inquired and capital one inquired also. I received a new credit card after they declined me so that wasnt a problem. Speaking of the other reason why they said they denied me. when they told me to make higher payments I did and when I applied both my credit cards from them had a XXXX balance for a month and still do. I think it was them retaliating because I filled a complaint on them. I know and they feel this agency cant affect them or their business the last time I filed a complaint the person they assigned to investigate had the wrong account and had the wrong information. She told me they didnt have to increase my credit line and thats it. I am sure they have to treat everyone fairly or that is discrimination. I know they cant show me the same circumstances and anyone being denied over these many years with the payment history an the scores I have had being denied. If this is something that I should be filling with the department of labor for discrimination please inform me of that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Citi XXXX  card on XX/XX/XXXX then I got approved on XX/XX/XXXX for a {$2000.00} limit. 
The card was out for delivery on XX/XX/XXXX The card never arrived and later I figured out that it was stolen, so I ordered a new card. 
The new card was out for delivery on XX/XX/XXXX and I received it the next day. 
I started making purchases with the new card but suddenly only a couple days later on XX/XX/XXXX it stopped working. 
It seems it stopped working right after I tried adding it to my XXXX  online wallet Afterwards I tried using it for transactions both with the actual card and online and nothing worked. 
Starting XX/XX/XXXX I tried calling up Citi again and again to reopen my account it was very difficult calling them and getting through to the customer service usually around a XXXX minute wait on the phone and many times even after waiting the call didn't go through. 
Finally when I get through to them they said that my phone number is not good enough to verify the account and they need to send me a letter in the mail On XX/XX/XXXX I got the letter in the mail with the verification, I called up Citi but they said that they are still unable to reopen my account

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 2021-12-04
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter, dated XXXX XX/XX/2021, to a XXXXyear old address that is no longer on my Equifax credit profile. THIS ADDRESS IS NOT BEING REPORTED AS CURRENT BY ANY CREDITOR. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. Equifax refuses to cease sending my personal credit file to wrong addresses, subjecting me to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018. 

I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a qualified written request in regards to the follow up for resolution on CFPB Case number : XXXX spoke to Nationstar representative XXXX at ( XXXX ) XXXX as a follow up to CFPB Case number : XXXX and she advised that the current late charges on the account would not prevent my eligibility on the " Enhanced Pay -For - Success '' program. 
Please have Nationstar confirm on what exact date the {$5000.00} principle reduction, as part of the " Enhanced Pay -For - Success '' program, will post to Mortgage Loan Account XXXX? I have confirmation from Nationstar 's records of my required payment for XXXX/XXXX/15, posting to the account on XXXX/XXXX/15. Please have them expedite this principle posting and provide me the specific date, no later then XXXX XXXX, 2015, of the posting. 
Nationstar completed a horrendous miscalculation of escrow analysis amount in the statement dated XXXX/XXXX/2015 ( attached ), where they increased my payment from {$1700.00} to {$2200.00}, starting XXXX 2015, and then tried to cover it up with a new escrow analysis, out of the blue, dated XXXX/XXXX/2015 ( attached ), which reduced the payment, starting XXXX/XXXX/2015, to {$2000.00}. Nationstar has removed all record of the XXXX/XXXX/2015 escrow analysis from the online statements that I have access to. 
Please have Nationstar clarify the following : Why did they increase the payment for these two months? Was Nationstar trying to cause me to go delinquent by increasing the required payment {$470.00} for the two months so they would not have to apply the " Enhanced Pay -For - Success '' program? I specifically need root cause and time line of the error in calculation, when the error was discovered, and when Nationstar recalculated the escrow analysis. In addition, why did Nationstar required higher payment in XXXX and XXXX of 2015 and then send out the notification in XXXX about the recalculation with a new effective payment of {$2000.00} on XXXX/XXXX/15, the month after the 6-year anniversary payment was due. At the least, they seem to have known that there was an issue back in XXXX. Why would n't the XXXX 2015 payment have been reduced to the {$2000.00} after they found an escrow calculation mistake.

Company response to consumer: Closed with explanation