BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
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:
As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Equifax and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Equifax via USPS, certified Mail # XXXX on XX/XX/2021. USPS confirmed my correspondence was received on XX/XX/2021. Equifax still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 5 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive been with capital one for two years, I have a secure card and they refuse to make it unsecured, I pay my bills on time and my credit report has no balances or over the limit all my cards are paid in full, and they refuse to give me the quick sliver card. Its unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
I opened a dispute with all 3 major credit reporting companies regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked them to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.

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 2020-05-04
Company: U.S. BANCORP
State: CA
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 have the US Bank Cash+ Credit Card XXXX I have been not getting the Rewards Cash back as the company advertised. I fear there is likely intentional avoidance to prevent giving customers the correct amount of cash back. 

I have signed up for the correct categories on the US Bank signup page. I should to be getting 5 % cash back on TV, Internet , & Streaming Services on my credit card. There have been multiple instances where US Bank has refused to give my the 5 %, instead defaulting to 1 % for no reason. I have such obvious merchants that US Bank lists on their website as being supported : XXXX, XXXX, and XXXX XXXX XXXX that there is no reason I should be having any issues. 

There have been instances where XXXX XXXX  XXXX was given 1 % and 5 % cash back. This could not have happened since there was no change in billing and the information has come through the exact same. Additionally, I have never received 5 % cash back on XXXX or XXXX, only " qualifying '' for 1 % cash back for billing with two of the largest merchants in streaming. I pay my bills through them directly and should have absolutely no issues. 

US Bank claims may claim that these " discrepancies '' are because of codes that the merchant uses. If that is the case for XXXX, XXXX, and XXXX XXXX  XXXX then I am wondering if US Bank is defrauding thousands/millions of customers either intentionally or due to their faulty system. Again, I will repeat that these merchants are listed on the US Bank website directly when signing up for these cash back rewards. 

I am demanding that US Bank looks at each of my changes, adds to my rewards balance what I am owed, and then continues to categorize correctly indefinitely. I then demand that an independent consumer watchdog launches an investigation into US Bank 's fraudulent activity to ensure that they are not defrauding their customers with this obvious ploy to pay out less in credit card cash back rewards.

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 2017-11-27
Company: Lending Club Corp
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX. 
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Lendmark Financial Services
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: Their investigation did not fix an error on your report

Complaint:
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was affected by XXXX-XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while XXXX. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of COVID was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX  XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO  score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX  XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was XXXX. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2020, WF PLXXXX add a hard inquiry on my credit report per XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XX/XX/2013 Acct XXXX Statute of limitations has passed and I have attempted to resolve this matter with an agency as well with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Prior to the COVID related shutdown, my credit score was over 800. Due to the reduced interest rates, I decided to refinance my car loan. My rate was higher than expected so I asked why. My credit score dropped over 100 points to below 700, so they only offered a higher rate. I finally reached out to the credit reporting agency this week, and their latest report has my score back into the 700s. I just happened to be discussing this with another friend and they also noticed a drop. I posted on XXXX and asked if others noticed it -- 4 people replied that theirs had also dropped. I think they should be investigated for dropping credit scores for no reason, except for a possible 'financial crises. ' Fortunately, I am still working full-time, so my pay has not been impacted by the shutdown. I just think it's wrong for credit scores to be lowered for no reason. 

Apologies for going this route, but none of the questions preceding the opportunity to describe the issue really applied to my situation. I'm going to reach out to the bank about their proposed interest rate and see if they can adjust it. I haven't signed the loan docs yet. 

Thank you for your time and looking into this situation. 
XXXX and stay safe, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or 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 2019-09-19
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. Equifax reports shows that I have NO MORTGAGE and XXXX   shows an old mortgage and has it reporting as being closed. XXXX  shows the mortgage reporting accurately. XXXX  is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted Equifax to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to Equifax and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XXXX of XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of Equifax report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows XXXX   notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CFPB XXXX XXXX. XXXX XXXX XXXX XXXX just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do 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 explanation
Consumer complaint received 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-06-02
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought our home back inXX/XX/XXXX and took us long fight and hard work to keep our home after we got XXXX XXXX XXXX to Modify our mortgage then they sold it to XXXX XXXX  company who is made a big mistake on the escrow account which made us short XXXX on the escrow account after long long long negotiation and fight they agreed to their mistake and agreed to fix the problem. But they turned around and sold my mortgage to Fay servicing company and Fay servicing refused to fix it or help or modify the loan and they keep telling us to give up our home because we cant offered the payment and we are going to almost two years and the only reason we still have our house because we pay {$1500.00} a month to attorney office to protect our home and Fay servicing breached the contract after we agreed on after we dropped the small claim lawsuit against them because they say they will help us if we drop the lawsuit. 
I did talk to Fay servicing today XXXXto check the status of modification paper work we send 30 days ago and the gentleman I spoke too he told me your are denied for modification but approved for a short sale because I cant afford the payment also he say I Should sell and put money in my pocket because my house worth XXXX right now, I told no and Im going to sue them for discrimination and he say think about it and let us know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 my TD Bank Visa Credit Card was charged {$180.00} without my knowledge or permission. The merchant was XXXX XXXX XXXX and I never did business with this merchant nor did I receive any benefit for this transaction. I reported the transaction as fraud to TD Bank. I canceled the card and was issued a new credit card. The bank is still charging me for this transaction including interest even though TD Bank promised to remove this transaction from my account months ago. Please ask TD Bank to credit my account {$180.00} for this transaction along with any interest and fees associated with this fraudulent transaction. Thank you.

Company response to consumer: Closed with explanation