BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: NY
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:
I am in the middle of applying for a mortgage. It was reported on my credit report a debt that hadn't been aware of from Citi Bank. I contacted the bank and they said the debt was past the statute of limitations and I can only make a voluntary payment. I begged them to make a payment over the phone but they said I can only pay with a cashiers check to a facility in XXXX KY. It was very hard for me, but I put together the money for a full payment. I overnighted a cashiers check together with a letter of my ss # and a request for it to be expedited. I had the package tracked and on my end I see that it was received XXXX AM on XX/XX/22. I called numerous times and after many hold times and even getting hung up on by a representative, they gave vague responses " that it is probably in middle of processing '' or that " it takes time for it to post and update.. '' I contacted XXXX bank who issued the check and although the money had been debited from my account at the time of purchase, XXXX bank told me that as of today XX/XX/22 the money has still not been deposited by Citi bank . I spoke to many reps and they all claimed that they have no way to contact the facility that processes the payments. 
Then the reps told me that even after the payment posts I will have to wait another 15 days for the check to clear before they give me a paid in full XXXX balance letter as per company policy, I told them that if they require a bank check there is no processing time, but was just told that is the bank 's policy.. 
I'm under contract to buy a house my deadline is approaching and I need this matter resolved ASAP that I can show the loan officer that I paid in full. The reps contradicted each other one told me that I should send in another payment others told me that it takes time to process. 
They reported the debt I expect them to be fair, I tried to make a phone payment, I tried to send in a payment..

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 2022-11-30
Company: EQUIFAX, INC.
State: AL
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 Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX  Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 XXXX Bank XX/XX/22 Credit XXXX  XX/XX/22, XX/XX/22 XXXX XXXX Bank XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX, I deposited {$670.00} into an ATM and the closest Bank of America that I was next to. This was in XXXX, Arizona and Rural and Baseline Bank of America. When I deposited the cash, the atm printed out and error message saying the atm was out of order AFTER I used it. There were no signs on the atm and the atm itself did not have any error signs prior to my usage. After I deposited my cash and the error message was displayed, it printed a receipt with the error code however I did not revive my cash back. The cash also was not deposited into my account. The next day I woke up and found out that my account had been terminated and was not given any further reason when I went into the bank asking what occured.

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 2023-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reported this account several times case # XXXX and XXXX. The information is still reporting wrong. They are reporting late payments after the card was closed and are listing several months after the card was closed in. Equifax needs to report the date the card was closed on XX/XX/2022 as they are reporting now and removed all month to month late payments after the card was closed by the credit card company. XXXX  XXXX is the on XXXX reporting this with Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with The Fair Credit Reporting Act XXXX  Account # s Below has violated my rights. 

15 U.S.C 1581 Section 602 A States I have the right to privacy.

15 U.S.C 1581 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

EQUIFAX HARD INQUIRES XXXX XXXX  Banking XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX  XXXX XXXX Department And Mail XXXX XX/XX/XXXX COLLECTION XXXX XXXX  XXXX XXXX XX/XX/XXXX {$30.00} CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX HARD INQUIRES XXXX XXXX  XXXX Banking XX/XX/XXXX CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX {$18000.00} Closed XXXX  Reported : XX/XX/XXXX {$3500.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed HARD INQUIRIES XXXX Banking XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Williams & Fudge, Inc
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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:
Credit acceptance closed this account on my credit report then opened it back as late payments this information is incorrect and is illegal on how it is posted on my report. I have wrote them a certified letter twice asking them to remove this with no response for over 60 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 monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company ran my credit without my consent/authorization. This is complete violation of the fair debt act.

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 2022-11-30
Company: Experian Information Solutions Inc.
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:
In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense oXXXX XXXX XXXX XXXX XXXX. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a XXXX. 

The XXXX XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.

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 2022-06-28
Company: EQUIFAX, INC.
State: UT
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 got a loan for an XXXX  of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from XXXX and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: PA
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:
I paid my Comenity Mastercard BJ 's bill on XX/XX/26 over the phone for the amount due and the payment has still not posted to my account. I keep calling the number on the card and just get a recording that says their system is down. I do not want this negativity impacting my credit score because I have worked so hard to get to an excellent credit score. I also noticed that this same credit card charged me a {$30.00} late fee for my last payment when it was received on the day due. I also tried accessing the website and get a banner across the top stating their system is down due to a system upgrade.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
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:
This is for commenity bank. I have a 0 % interest loan that needed to be paid by XX/XX/2022 to not incur back interest. Im unable to pay and can not reach the company. The back interest will probably come to XXXX dollars and should not have to be paid since I went to payoff the correct amount at the correct time and was not able to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle loan servicer I have paid on time, never missing a payment when I did a refi of other loan I paid may payment plus XXXX. & XXXX over for principal Then new loan required both loans to be paid XXXX payments to finish due to XXXX credit union putting my loan in forbearance without my permission or request Paid XX/XX/XXXX {$600.00}. 
Paid XX/XX/XXXX {$580.00} Paid XX/XX/XXXX {$680.00} XX/XX/XXXX paid {$700.00} for payment +principal Paid off the loan in full 5 times XX/XX/XXXX paid {$22000.00} principal balance of loan. 
Dovenmuehle said payoff amount after that payment was {$4800.00}. Paid that XX/XX/XXXX ( sent back to me ) Continued to make payment + principal. 
XX/XX/XXXX paid {$2600.00}. New payoff total. ( Was sent back due to not sent through certified funds ) XX/XX/XXXX paid paid {$1500.00} XX/XX/XXXX paid {$1500.00} XX/XX/XXXX {$790.00} plus {$2700.00} {$100.00} the said payoff amount. Sent to exact mailing address specified for payoff in a certified check as requested. 
Paid {$690.00} XXXX XXXX XXXX XXXX Called every month after sept for 4 months being put on hold for hours and every task filed by them to send to research the check was filed wrong task to locate the check. ( Never found ) Paid to cancel check then sent XX/XX/XXXX I was charged interest on a loan paid in full. 
XXXX servicer paid the property tax {$590.00} The escrow account should have covered however if it did not the payment on XX/XX/XXXX of {$690.00}. More than covered it. 
I was sent a new payoff of {$820.00} covering all fees, interest, etc I pad XX/XX/XXXX in the wire transfer as specified. I was sent back to my account 3 days later. After spending {$35.00} cancel check fee, {$35.00} wire transfer. 
I paid the 2nd installment property tax XX/XX/XXXX I paid new insurance company for full year {$700.00}. 
Which they also sent to them 3 days later. 
They received check back for {$700.00} I have been harassed daily by phone and mail with interests charges, escrow interest charges, and late fees on a loan that has been paid in full since XX/XX/XXXX. I have been sent threatening letters stating I will loose my home. My tenants were also given notice of sale of the home. I am being charged for survey of the home as well. 
The loan number I have been paying on is not the same number the county clerks office has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had to do a debt relief package and Commenity Bank XXXX XXXX Credit Card has refused to work with the agency. I can not obviously pay, otherwise, I would have by now. 
They are calling me and texting relentlessly. They have now taken to calling my ex-husband who does not even live in the same state and we have not been married since 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Old information reappears or never goes away

Complaint:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

Company response to consumer: Closed with explanation