BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a loan with XXXX  and fell behind because of a family medical emergency. This hurt my credit score and CITI  Bank drastically decreased my limits on two cards I have had with them for years. I called and got an explanation and was also told that if i I resolved the issue with the negative account ( XXXX  ) that they could reinstate my limits. 

Once I resolved the negative account I called CITI to reinstate my limits per instruction from my previous call. Representative said she submitted the request and to call back in a week. After a week, I called to check the status and was told it was denied and they don't perform reinstatements and they could only request a higher limit. I explained my situation and that I have been a loyal CITI customer for years without an issue and it took hard work to earn that credit limit. I was transferred to manager and he still was unwilling to help and only replied with " I can't '' attitude. Representative was a customer service manager with no empathy and made made no recommendations to help me regain my limits. I felt unappreciated as a customer, lied to, and he was frankly very rude. I spend over {$10000.00} to close the account so that I could repair my relationship with CITI and this is how they treated me.

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 2022-07-18
Company: M&T BANK CORPORATION
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 created an M & T XXXX XXXX Checking with Interest Account online on XX/XX/2022, with a {$250.00} cash bonus code. Before the bonus was applied, the M & T website confirmed I was eligible for the zip code where I resided. 

The terms of the offer stipulated the {$250.00} bonus, would be paid out, within 90 days of a {$500.00} direct deposit posting to the account. A direct deposit over the {$500.00} requirement was posted on XX/XX/2022. 

I called M & T bank customer service on XX/XX/XXXX to confirm that I would receive the bonus and that the requirements had been met. The representative stated I had met the requirements and would receive the {$250.00} cash bonus within the stated 90 days, call reference number is XXXX. 

I called back today on XX/XX/2022, call reference number XXXX, and the customer service representative stated I would not be eligible for the bonus of {$250.00}, even though I had successfully opened my account with the bonus. 

In summary : In XXXX, I opened an M & T checking account with a {$250.00} cash bonus code. I verified the location I lived in was eligible for the bonus at the time of account opening. I fulfilled the direct deposit requirement on XX/XX/XXXX and confirmed with M & T of fulfilling the requirements on XX/XX/XXXX. Now on XX/XX/XXXX, M & T states I am no longer eligible for the bonus.

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 2021-09-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
My name is XXXX XXXX. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX. I paid cash for this car. For some reason, the car was registered as being financed thru Hyundai Motor Finance Company. THE CAR WAS NEVER FINANCED. I tried dealing with Hyundai Motor Finance Company, but the customer service agent was of no help to me. I reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX then contacted Hyundai. But again, nothing has been accomplished and the vehicle still shows Hyundai Motor Finance Company as the lien holder. Needless to say, this has been very frustrating! 

VIN : XXXX I'm attaching an email exchange between XXXX XXXX XXXX XXXX XXXX and Hyundai Motor. Neither XXXX nor I have heard anything after this. Please help! 

Thank You!

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2017-04-05
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
No such medical debt is owed for {$690.00} this is a mistake I tried to dispute with no outcome

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 2022-10-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Sequium Asset Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts that appear on my credit report do not belong to me, and are hurting me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

SEQUIUM ASSET SOLUTION Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX This is not mine.

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 2023-09-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2017-07-25
Company: Exeter Finance Corp.
State: GA
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:
XXXX   XXXX   2016, an hard inquiry pull was made on my credit report. To my knowledge of this unknown agency who I DID NOT give con sent to, I will like see valid validation of my consent and signature to have my credit pull from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: AZ
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:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date XXXX : XX/XX/XXXX Inquiry XXXXXXXX XXXX XXXX XX/XX/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 2023-09-09
Company: EQUIFAX, INC.
State: NY
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 2022-10-24
Company: Chime Financial Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used my Chime account to make a ( pay anyone transfer ). It is advertised that someone without a chime account can receive a text and a secure link to receive money without having to sign up for Chime. I owed someone XXXX and sent the transfer to their phone number. This person doesnt have a chime account. After the transfer was sent the person that was supposed to be receiving it did not get a text message with a link from chime. Instead, the lady that used to have the phone number ( previously owed the phone number ). Received a chime to chime transfer of XXXX. The person I was paying bought a new phone and got a new number 2 months before I attempted to send money to him with the number. The lady that previously owed the number didnt update her chime account and take the number off. I have disputed and rebuttaled with chime and they continue to deny my claim and tell me that they consider this matter closed. The wrong person received my money and they could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-07-18
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt that I have previously disputed with another company and showed proof of payment by the insurance company. Now there is a new company attempting to collect the same debt and has not removed from my credit, impacting my score once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX 14 times showing that my credit is perfect and 14 times USAA states to XXXX that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. ( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired Police Officer and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact Experian and clear this matter at one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an item that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX Balance : {$37.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$30.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: U.S. Auto Sales 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: Account information incorrect

Complaint:
I have a car on my credit from XX/XX/XXXX that went into late than a charge off in XXXX, which was paid in full and closed, so next I tried to have the charge off removed since it was paid and US Auto Sales refused to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: TX
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 have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have used XXXX as my credit monitoring service for several years and in XX/XX/2022 I notice that XXXX, XXXX, and Equifax had stop reporting my credit score through the XXXX Credit application even when I was paying the premium charge to XXXX every month. So, since they couldn't seem to fix the problem I down grade to the free XXXX app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the XXXX app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from XXXX or Equifax. I reached out to XXXX and Equifax and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from XXXX  Escalation service stating that they believe that my information does not add up to what XXXX or Equifax may have. I have on several occasion reported that Equifax put the correct address and XXXX as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: TX
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 have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file immediately.

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 2019-09-05
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:
There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.

Company response to consumer: Closed with explanation