BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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/XXXX I sent a letter regarding inaccurate items on my consumer report. To this date, it has been well over 60 days, and I have not received a response as yet. I feel that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days, is reason to immediately remove these inaccurate items from my consumer report as it has been well over 60 days ; therefore, these items should be deleted promptly. I demand that these items be deleted immediately otherwise, I will file for litigation due to the stress that you have caused and allowed fraudulent activity to be reported where there were no permissible purposes to do such. In addition, my information was impacted by the Equifax data breach, and may have gotten into the hands of the wrong person. Additionally, After my identification and social security was stolen in XXXX, I recently decided to check my credit and noticed items on my credit report that I do not recall. I may have been a victim of identity theft. I have never done business with any of these companies and have never entered into a contractual agreement with the listed companies. As a result, the companies have violated my privacy as FCRA 15 USC 1681 states that my consumer report is my reputation, and the listed accounts have ruined my reputation by placing fraudulent information on my consumer report and causing me complete humiliation. This information needs to be deleted and not updated as I do not have a financial obligation with the listed creditors. Will you please assist me in removing these items?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CITIZENS FINANCIAL GROUP, 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:
I opened a bank account with Citizens Bank in XX/XX/XXXX. I followed their public online offer of {$300.00} for opening a checking account by making ( 1 ) direct deposit of {$500.00} which I completed in XXXX. The pay-out according to their site should be by XX/XX/XXXX but I still haven't received it til this day. 

I've tried messaging them and calling but I can never get in-touch with someone to deal with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple dispute attempts to remove negative and inaccurate information from my credit report.

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 2018-12-11
Company: EQUIFAX, INC.
State: NV
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 contact the following Credit bureaus ( XXXX, Equifax and XXXX ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, 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:
ref : Complaint Number XXXX the response from aquifex is unacceptable this is going on for the past 3 months as you can see the date on the fax cover letter to Equifax they need to remove this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX at roughly XXXX CST, I attempted to visit rocketmortgage.com to find a calculator as to what I could afford based upon my salary. After filling out my information, I received notices that a hard inquiry was run against my credit, even though I answered that I was only researching options. I reached out to the credit agency XXXX about having the hard inquiry removed and they let me know I had to reach out to RocketMortgage to have the inquiry removed. I contacted RocketMortgage and let them know I had no intention of submitting a hard inquiry, that I was only looking for a calculator type tool to estimate the amount of home I can afford. I was transferred a few times before reaching an Account Executive who let me know that because it was not identity theft he could not have the hard inquiry deleted. 

I did not intend on filling out information with the goal of a hard inquiry. This may not have been identity theft, but I do feel I was misled in using their website. This has resulted in both my Wife and I having a hard inquiry on our credit reports that will last for two years because of using rocket mortgage 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the past year I've tried to place security freeze or locks on my Equifax credit report to no avail. I've called the company, written letters, and tried exhaustively online but every time I make an attempt, I get locked out or denied access to my information leaving me with a credit file unlocked and vulnerable. I don't know what else to do. This company has literally wasted hours of my life and I to this date have nothing to show for it. 
All I want is access to lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account. 
I am getting the run around. 
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so. 
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve this.

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 2020-05-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. Experian completed an investigation but did not update the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Byrider Franchising, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a finance agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX. I pay {$340.00} on the XXXX of every month toward my loan but this payment is not a recurring automatic payment. This month after I refused to pay because the company XXXX XXXX XXXX refuses to fix my car so that it will pass inspection they illegally took out money out f my account that I did not authorize. I would like to make a formal complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my balance of {$10000.00} prior to the due date. On my next statement I received {$270.00} in interest. How can this be when I paid off my balance? They said I agreed to this when I signed up. I have never experienced this before, this seems like a new and unfair fee. They charged me interest TWICE on the same amount of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: U.S. BANCORP
State: WA
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 report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit report per XXXX. 

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 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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX  honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to Transunion and XXXX 12 missed or late payments.

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 2021-11-28
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:
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 : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: U.S. BANCORP
State: MO
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:
My wife and I bank with US Bank, we were offered a US Bank credit card in XX/XX/XXXX. I accepted the offer. I tried several times during XX/XX/XXXX to log in and set up my account and auto payments. My wife tried and could not, so she called the credit card service number. This was on or around XX/XX/XXXX. The person my wife spoke with explained there was an issue with the way our account was set up with the bank and therefore with the Credit card. We did get that resolved and my wife made a payment, while at the same time setting up auto payment. Due to the issue, the representative my wife spoke with removed the late fee. 
In XXXX, I received an email stating I had a missed payment, My wife called the customer service department, she took care of the account and verified that the auto payment was set up this time. 
In XXXX, I received an email from XXXX XXXX stating my credit limit had been dropped by {$5000.00} I called customer service and was told that they could not tell me why. I was told, I should have received a letter, I said I did not and requested a new letter. I had to call back several times to get the letter. 
Once I did receive the letter, it stated the reason for lowering my credit limit was due to missing 2 payments. Both payments were missed due to errors or issues on their side. 
On XX/XX/XXXX, my wife called and spoke with 3 different representatives before getting any information. She was told I would have to log into my account and request a credit limit increase. Y credit score already took a hit from my having a lower credit limit, now they want me to request a credit limit increase ; which will also impact my credit score ; without a guarantee, my credit limit will be reinstated.

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 2019-11-12
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to get an old mortgage cancelled of record. XXXX XXXX XXXX   XXXX XXXX XXXX is no longer in business and was merged multiple times. The most current successor in interest is PNC Bank but they do not have a record of this loan. 

The mortgage was for a HELOC in the amount of {$99000.00} made in XXXX. Nothing is owed, but we need to cancel it of record. 

I need to know who is the proper servicing agent with authority to cancel this mortgage. 

XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Trying to move XXXX account to another financial institution. Transfer Request was sent by fax on XX/XX/2018 to XXXX. Called XXXX Bank 10 days later to see if the check had been sent to the other institution. XXXX  Bank had no record of receiving any fax. Sent another fund transfer request to XXXX Bank on XX/XX/18. Contacted XXXX  Bank and talked to XXXX on XX/XX/18 to make sure that they had received the fax. XXXX told me that the only way to be sure they received the fax was to call the following day after the transfer request was entered into the system. I called on XX/XX/18 and talked to XXXX and was told that I would have to call back on Monday XX/XX/18 since it takes XXXX hours to have transfer requests entered into the system. Asked to talk to a supervisor, and after being on hold for XXXX minutes I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Santander Consumer USA Holdings 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: Personal information incorrect

Complaint:
Santander consumer USA received a written request by me to provide me with verified documentation proving the debt and correct amount they claim I owe, which is reporting to all the credit bureaus ( XXXX, XXXX, and XXXX ) .Instead of verification of the debt they claim is mine, they sent a letter asking me to provide them with the account numbers, Bank statements, addresses, VIN number etc and until they received such documents, they are stating they can not dispute or verify my debt. If this is so how are they reporting to the bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on transunion I am being hit with portfolio recovery original creditor XXXX  XXXX XXXX  for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX  XXXX  original creditor was XXXX  XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX  XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX  which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX  it shows 2 and the other XXXX  has stated I do not owe.

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 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have overdraft protection yet my account was allowed to be overdrawn by XXXX after calling to dispute why my account was allowed to be over drawn by so much a credit that I didnt ask for was applied but no information as to why my account was allowed to be over drawn and now they have said theres nothing they can do. How does Over draft protection work?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.

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