BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them from my file 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 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

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 2019-08-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
experian has reported for 6 years that XXXX XXXX XXXX and XXXX XXXX XXXX has an account in charge off status - NOTHING has changed for years and years. however on XX/XX/2019 experian dropped my credit score by 41 points and stated that because of a NEW late payment on these accounts my credit score was dropped - but NOTHING has changed as both accounts have been in the same status for over 6 years - why has experian 's credit scoring model been changed to indicate and act on a change to my credit file that is did not occur? i disputed both of these items but no change to my credit score was made. this non existing event has impacted my credit with experian - neither XXXX nor XXXX has reported any change in score because both have not changed in over 6 years - i thought credit scores are impacted by NEW activity??????????? 

experian closed my disputes but took no action on my score N O R provided an explanation as to why my credit score decreased by 41 points when nothing changed on my file? i dont believer experian took my dispute seriously

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 2021-11-27
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi bank sent me a cash bonus offer for opening a Citi checkings/savings account and failed to reward me the bonus even after I completed all the activities. According to the offer terms, I will earn a total {$500.00} account opening bonus for completing the following activities. 

- {$400.00} bonus for depositing {$15000.00} or more in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within XXXX ( XXXX ) days from account opening and maintain a minimum balance of {$15000.00} in the eligible account ( s ) for XXXX ( XXXX ) consecutive calendar days following the date when you made the {$15000.00} deposit ( " Minimum Balance '' ). 

- additional {$100.00} bonus ( total {$500.00} ) for when I complete the required activities above AND, within XXXX days of account opening, you also complete XXXX Qualifying Direct Deposit into the Eligible Checking Account each month for XXXX consecutive months. 

Based on above offer terms, I opened a Citi account back in XX/XX/2020 and completed all the required activities for receiving bonus within the time frame. But, citi didn't deposit the bonus. I contacted Citi customer care and also sent out the W9 as requested. Even after multiple follow-ups, Citi failed to deposit the bonus offer of {$500.00}. Even Citi representative stated that this matter was escalated within their system but I didn't hear back from Citi for months. I have already spent hours with Citi 's customer care on this matter without a resolution. Citi didn't provide any details on why the offer is not yet deposited in my account even after more than 1 and half years. 

This is a deceiving practice from Citi to make customers to open an 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 monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: KS
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: LA
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 sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2019-03-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From to XXXX to XXXX I was not enrolled in an income based repayment plan in a loan from Navient, which in my opinion would have been the optimal choice for repayment given my income situation during those years. There may have been better options than the aforementioned but I was steered towards deferment and during those years had a total of {$4600.00} of interest capitalized in the loan. I believe there was inadequate explanation on loan policies and repayment options. This financial strain has not only impacted my life, but now the lives of the people I provide for including my wife and daughter. On my current repayment plan I will have pay over {$20000.00} dollars on a loan in which the original borrowed amount was {$9900.00} to which I have already payed over {$8500.00}. I called Navient recently and asked for help to which the only answer I received was that I needed to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Continental Finance Company, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX Associates never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and XXXX ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, XXXX pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2018-07-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just received another letter from Caliber Home Loans asking me to deposit funds in account number : XXXX ABA routing number : XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and don't know why? I would like the CFPB to investigate this. Also they have failed to present the original documentation to the Bankruptcy Appellate Panel in the XXXX District in XXXX, CA, Appeal Number : XXXX. This all smacks of fraud since they are claiming I owe then {$310000.00} when I filed a Chapter XXXX Bk in XX/XX/XXXX and made both pre and post-petition payments on time. I am requesting the CFPB to audit this loan which was originally taken out in XX/XX/XXXX for {$310000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid a XXXX  statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. 

On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. 

Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. 

Thanks in advance or any help in resolving this situation.

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 went to a credit union, XXXX XXXX to apply for a savings account and was not informed that I my credit report was being pulled for consideration to open the account, causing a hard pull and decrease of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Global Portfolio Recovery, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps pursuing me after I have proven to them they are looking for another XXXX XXXX. They are making threats and saying they will not stop reporting this on my credit file. I can not believe they actually told me, they have the edge on me since they could keep reporting this negative account on my credit file, and said they don't care if I am a Veteran, or a XXXX XXXX XXXX XXXX. They are calling from different numbers, private numbers, and cell phone numbers all time of the day and night. I am living on an edge ; especially, when the debt isn't mine.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-07
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 at approximately XXXX XXXX my husband, XXXX XXXX, and I were having lunch. He was checking his banking at XXXX XXXX  and saw a pending withdrawal for {$1200.00} for Suntrust Bank. We thought we had missed a mortgage payment and added money from savings to checking to cover our $ 2093 monthly mortgage. I remembered that I had received an email on XX/XX/2019 ( approximate date ) saying they had received our mortgage payment and applied it. We were two hours from home. I attempted to call Suntrust over FIVE TIMES ... with wait times equaling over two hours ... I was shifted from department to department when I finally got a human on the phone. No one could find the XXXX that is attempting to be taken out of our checking account..and then the additional funds we transferred from savings to checking was being grabbed by Suntrust also. As soon as we got near home we went to XXXX XXXX  to stop payment on the {$2000.00} total. We were told because it was so late in the afternoon they weren't sure they could stop payment. 
Suntrust ... as far as we can tell ... .insists they aren't taking money out. We have never authorized payments to come out of our accounts and use the bill pay feature when we have a mortgage payment due. Suntrust is an out of town bank preying on the elderly by not having decent phone service and no answers to important questions. I want them to sell our mortgage to someone with reputable service and centers we can go to with questions.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, to remove and block these items.

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 2018-12-15
Company: DLC, LLC
State: NV
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 XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XXXX, I was told I had available credit on my account without having to take out and additional loan. DLC called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed DLC marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed DLC of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let DLC know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit 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