BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: WI
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 was behind on my payments to XXXX XXXX XXXX because I broke my back back the in Summer of XXXX. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use XXXX XXXX XXXX for any type of loan or banking needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions 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:
Checked my credit report and there is an inquiry from XXXX. I have not applied for any credit so this must be an error. Can not find the company online and the XXXX says I have to contact the company. I can't call anyone I don't have information about or can get information about.

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 2018-10-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The lending bank charged me higher interest than agreed upon.

My loan was for XXXX at 4.74 % interest rate. loan was originated in XX/XX/XXXX and paid off the loan by XX/XX/XXXX.

They charged my {$1300.00} as interest. But according to the loan calculators it should be less than {$900.00}.

If we look at the attached loan amortization schedule that they sent me, the interest charged keeps increasing in certain months although I have been paying down the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from I.Q Data in XXXX of XXXX about a debt owed for an apartment I used to rent in XXXX and moved out of in XXXX of XXXX. I received a letter from them that was sent out on XX/XX/XXXX stating I needed to pay {$330.00}. I called yesterday, XX/XX/XXXX when I came across the letter and tried to get a better understanding on the balance owed, especially 3 years later after moving out from the property. They could not give me any details about the balance and simply said it was for " an appliance repair ''. I looked at my " final walk through letter/form '' from the day I vacated the property and it didn't have a dollar figure of any appliance item being repaired. The only figures on the final move out certificate was {$90.00} for carpet cleaning & {$75.00} for 2 to 3 hour cleaning. I never received anything in the mail about this appliance repair with a balance owed and I definitely did not get my deposit back when I moved out from the property in XXXX of XXXX. So I am unsure as to why this is now being brought to my attention after 3 years. I made a payment yesterday, XX/XX/XXXX, of {$290.00}, as I was promised the debt would be removed from my credit report immediately. I am requesting an investigation if possible. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: SC
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 disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.

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 2020-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

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 2019-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a mortgage after having received a preapproval letter. The reason given was that I could not show regular income. Im recently retired and living on savings. I have over $ XXXX in retirement accounts. I have not started taking money out of the retirement accounts because I have other money available that has already been taxed. My current rent is {$3300.00} per month. I have the cash for the down payment. The loan amount is {$500000.00}. The P & I plus taxes and insurance is estimated to be just under {$3000.00} per month. My wife and I qualify for {$3900.00} per month in social security starting in XX/XX/2020. There is absolutely no risk that we wont be able to make the payments on the loan. We have very low debt and great credit. In our past history of home ownership we have never missed or had a late payment. I was told that their underwriter has stricter rules than XXXX XXXX and that was why we were denied for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The problem with my account is that the bank has lowered my credit limit three times in the last seven months. 
When I opened my XXXX XXXX credit card through XXXX XXXX, I was agiven a {$250.00} credit limit which quickly increased to {$800.00}. XX/XX/XXXX the bank lowered my credit limit to {$750.00}. Again in XX/XX/XXXX the bank lowered my credit limit to {$700.00}. I have consistently paid on my account at least the minimum due so my account has always been in good standing. In XX/XX/XXXX I purposely made a large payment to bering my balance down below the 50 % mark of my credit limit in an effort to increase my credit score. Once again, shortly there after the bank lowered my credit limit to {$400.00}. 
The reasoning the bank is giving me is becasue there has been a significant decrease in my credit score. Well, ... 
Frist of all I bought a new vehicle at the end of XX/XX/XXXX and because of the financing and sending the app to banks, yes my credit score dropped. However, everytime this bank runs my credit they ding my credit score as well. Not to mention by continually lowering my credit limit you have now increased my credit/debt utilization which is lowering my credit score. So guess what, my credit score keeps going down or staying the same because of the negative impact this bank has had on it. My performance with this bank has been good. I have always paid on my credit card. I just don't understand how a bank/credit card can continually negatively impact your credit score in the way this bank has done so. I have looked and verified on my credit report that this has negatively impacted my credit rating. it's stating right on the report because of decrease in credit limit and increase in credit utilization you have been negatively impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX  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 explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with Equifax and must pay this fee, this breach could generate a potential revenue " wind fall '' for Equifax. Additionally, XXXX and XXXX could similarly profit. Equifax, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate, invalidated and questionable items on my credit report and to this day it's been over 45 days later and I have not received a response concerning this matter. I feel like I am being ignored on this very important issue that's impacting my financial situation and credit worthiness. Section 611 plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from ones credit report. In my case it has been 45 days and counting so they should be deleted promptly. 

I demand these accounts to be delete immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I have some issues with my bank that I believe may be against the law.After I was scammed an account I opened was compromised. I reported the incident to the banks fraud department and to the XXXX County Sherriff 's department. I had information to lead them to the source of the fraud. No one did anything. This was 2 years ago. 

Last week the bank claimed a deposit and my account was left at XXXX. I tried to submit money to cover any withdrawals. I was not able to do this. Now there is a continuation of compounded overdraft charges that I have no way to submit money to cover, and the bank will not allow me to close the account. 
. 
What is the best way for me to report and proceed? 

Thank you. 
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 explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This account is involved in litigation and does not belong to me. I never established this account. I have advised XXXX XXXX and Equifax regarding this account that was obtained under my name. I have no knowledge of this account and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately which I did and it still has not been removed my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: LEXISNEXIS
State: CA
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:
Lexis Nexis will not forward me a copy of my credit file after I submitted the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received a bill in the mail for my deceased mother, XXXX XXXX, from XXXX. My mother died on XX/XX/XXXX. The bill was for {$8.00}. It showed a {$4.00} payment was returned on XX/XX/XXXX.  Her checking account was not closed until XX/XX/XXXX and had ample money in it to cover the charge, specifically {$1700.00}. In addition, I tried to phone them on XX/XX/XXXX to advise them she was deceased and to close her account. I called around XXXX and spoke to a person named XXXX XXXX She claimed she was having phone problems and then the call dropped. I tried to call back, received the automated system, but when I asked the system to transfer me to customer service it left me on a dead hold. I hung up and decided to submit the death certificate to the CFPB and a complaint for an explanation of the returned check on XX/XX/XXXX. 

XXXX responded to the CFPB that they could not discuss the account with me and stated what documents I needed to submit for the account to be closed. Not only did I send the death certificate to the CFPB, but I also sent it through US mail. On XX/XX/XXXX, I received another statement from XXXX. This time the balance was {$17.00} because a {$8.00} late fee was accessed on XX/XX/XXXX. They had still not closed the account. I called and spoke to an employee named XXXX around XXXX on XX/XX/XXXX. She refused to discuss the account with me, refused to close the account, and stated they would only close it if provided with a death certificate. Clearly, they have one as  provided through the US mail and through the CFPB. As you can see, the company responded on the XX/XX/XXXX to the complaint with the CFPB, obviously had access to the death certificate, but still had not closed the account and went further to bill the account with a late fee on XX/XX/XXXX. 

So again, I am now filing a complaint with your office. XXXX/XXXX   statement along with the complaint submitted to the CFPB and her death certificate. I have also filed a complaint with my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, 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:
I filed an dispute with Equifax XXXX times in concerns of my XXXX XXXX XXXX, on Sunday XX/XX/XXXX spoke with a represented in the XXXX, stating that XXXX XXXX is reporting accurate with the negative information on my credit, " stating that the account is a charge off of XXXX. Tried to explain that XXXX XXXX is stating that all of my credit reports should reflect, no charge off, paid in full and never late. 
He stated that is not what XXXX XXXX is reporting to them. 
I would like to start an investigation against Equifax for negatively impacting my credit for over an year when they have been provided accurate information several times by me and the consumer. 
I have attached both responses from XXXX XXXX First  complaint number # XXXX filed on XX/XX/XXXX Second complaint number # XXXX filed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
showing inaccurate information on credit report ftc violation fcra

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 2020-05-26
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous calls from the collection agency from all different kinds of numbers calling a XXXX XXXX I need to pay my bills and just because Im in the military doesnt mean I dont have to pay my debt kept explaining to the collection agency I dont owe the debt I disputed it with the credit bureau XXXX XXXX and XXXX  and they both came back verified I called XXXX asking for a hard copy or a contract to validate this account they were unable to provide it contacted the collection agency asked for the same they said they didnt have to provide that because its my social and my address which is a very old address called the credit bureau asking them to provide me with why they allegedly thinks is verifiable and they told me the social security number matched and the address thats on my report matched I told them thata why anyone can just put anything on people credit report and say its verified and thats not enough for me I need proof they have all failed also XXXX made me aware that the agency thats calling trying to collect is not The Who should be calling or they should not be on my credit report at all and gave me another collection agency and I called them to make them aware this is not my account and Im in the XXXX and they are playing with my job and my life for my clearance they laughed and told me good luck

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 2018-04-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue

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 2019-03-18
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.

Company response to consumer: Closed with explanation