BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: DISCOVER BANK
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. 
I did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Exeter Finance Corp.
State: NY
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:
The car was a total loss. Exeter finance continued to charge fees and interest after the pay off amount check was sent by my insurance company. Fees that they can not explain making my refund a lot less smaller. They also stole my Gap insurance money from XXXX XXXXXXXX, claiming the insurance company did not pay the pay off amount which is a lie, they payed over the amount. I been given the run around in regards to my refund check since they claim to have mailed it to me on XXXXI have not received it yet and were in XXXX now. Tired of calling this company and no one can give me accurate information. There customer website never matches what they are saying on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Chase credit card, the one through United Airlines. I pay off my balance every month but it appears that Chase is penalizing me for this. On Monday XX/XX/XXXX, one of my children attempted to make an online purchase and said the card was not working. I called Chase and was told that I had hit my credit limit ( $ XXXX ) on Monday XX/XX/XXXX. They said if I made a payment to bring my balance below the limit, my card would be available for use again in 1-2 business days. I therefore paid directly online on Monday XX/XX/XXXX and the money was taken directly from my checking account at XXXX XXXX on XX/XX/XXXX. My son in southern California tried to use the card and was declined so I called today. I am now told my card is on hold for at least a week because I paid too much money. They said that when someone pays an amount that is close to their total credit limit they have a policy of putting the card on hold for a week. Since I paid off my balance, there is no legitimate purpose to putting my card on hold. This policy appears designed to punish people who pay off their balance each month, so that Chase can deter cardholders from doing so ( and can collect interest on balance that carries over ). I spoke with two account supervisors ( XXXX and XXXX XXXX who did not help me and said they had no power to override the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX authorized user accounts. These XXXX accounts are my wife 's accounts. The issue I am having is Equifax is removing these accounts. I have called the banks and confirmed that Equifax is removing them. I have to call these banks every month to repost. Only XXXX account out of the XXXX will show up on the Equifax report at one time. I spoke to XXXX on XXXX/XXXX/2016 and they said that they report every month to Equifax. I spoke to a Equifax supervisor on XXXX/XXXX/16. I was told that since my credit report file is large that Equifax does not have enough room to report these authorized user accounts and these AU accounts are being removed. This is not acceptable. This is hurting my credit history and credit score. Equifax said that there is nothing they can do to fix this issue on their end. My credit is not reporting accurately. Equifax needs to fix this. Equifax has basically told me that my credit report is going to keep reporting incorrect information and they will not fix it. There is no dispute number since there is no account to dispute because Equifax removed it. I am including my XX/XX/XXXX Equifax. It lists the XXXX XXXX XXXX Account, XXXX, and XXXX XXXX, and XXXX account, The Equifax report in XX/XX/XXXX has XXXX. The Equifax XX/XX/XXXX XXXX was removed. According to Equifax while we were on the phone the XXXX AU account re-appeared shortly after the XXXX account was removed. This needs to stop. I need all of my wifes AU accounts posting correct on Equifax. XXXX XXXX XXXX and XXXX show up on the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from Equifax on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for an installment loan for {$3000.00} from  Cash Central  at an APR interest of 183.44 %. Beginning on   XXXX  , I agreed to make bi-weekly payments each month for 24 months or until the loan is satisfied. I made all my payments all the way through    XXXX   XXXX   XXXX    when I paid off the loan, in full, with a lump sum payment of {$3000.00}. I chose to pay off the loan early to save money not paying interest, plus my principal loan balance was actually more than the original {$3000.00} even after paying 34 consecutive payments of {$220.00}. However, by paying off the loan in full,  Cash Central  suddenly began reporting the account as being in collections/charge-off along with reporting random months during the loan as being late. I believe that because I paid off the loan with a {$3000.00} payment, they assume the account must have been in collections. Thereafter, every time I disputed the information reported to the bureaus with proof payments for any month  Cash Central c laimed late, they would correct those months but choose  4  different months as being late. Also, while the account was closed on   XXXX   XXXX   XXXX   when I paid off the loan, Cash Central is still reporting Charge-offs for   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . No matter how many times I have proven  Cash Central 's   reporting as ethically wrong, they either change a small detail on the reporting or no longer change their reporting at all. I have run out of options  s I  have invested countless hours disputing this account to no avail, even after paying around {$10000.00} on a {$3000.00} loan just to have it reported as a collection/charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to Equifax about errors being reported on my credit report there is a public record that is n't mine reporting on my credit. I recently received a letter back from Equifax stating that they had verified it. I contacted the XXXX Courthouse where the public record was filed and they sent me a letter back stating that they did n't verify any information to anyone of the XXXX credit bureaus. Equifax LIED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested validation and verification of this debt and nothing was sent as far as actual debt history and detailed bill transactions. Only says debt verified but nothing was sent to me as far as actual debt and signature or any proof I have never had a XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This complaint relates to a credit decision made by XXXX XXXX for a HELOC that I applied for on XXXX XXXX 2015. I was subsequently rejected as a result of a credit score pulled by XXXX XXXX 's mortgage company through Equifax. 

In the rejection documentation I received, I was informed that my credit score as per Equifax was XXXX, with a number of negative factors impacting my score. I subscribe to real time credit monitoring, and as of the day the inquiry was made on my credit, my Equifax score was reporting as XXXX. To confirm, I then purchased my Equifax score directly through the Equifax website, which shows XXXX as of XXXX XXXX, post XXXX XXXX 's inquiry. 

I reached out to XXXX XXXX to determine why there was this discrepancy in my credit score, which was directly responsible for my application being rejected. They were only able to tell me that they were using a report and score provided by Equifax on XXXX XXXX and that I should contact Equifax with my question. I went onto the Equifax website ; there is no way to dispute this type of discrepancy online. I am only able to dispute specific information on my credit report, which does not apply here. Additionally, I tried contacting them via phone ; there was also no means through which I could have this addressed via phone. 

My complaint summary is as follows:1 ) The Equifax report provided to XXXX XXXX on XXXX showed a credit score of XXXX. The Equifax score I purchased on XXXX showed a credit score of XXXX, much higher than the reported score to XXXX XXXX. I am complaining about the dramatic difference in scores, both of which came directly from Equifax, and led to the rejection of my HELOC application. 
2 ) I am also complaining about the difficulty in resolving this directly with Equifax, as they have made it nearly impossible to do so. 
3 ) I am complaining about the impossibility of knowing what my actual credit score is and being denied credit despite having good credit, according to Equifax themselves. How am I able to understand what my credit score is if Equifax themselves can not agree on what my credit score actually is? 

I have attached a copy of my credit score which I purchased from Equifax today ( File Name : Equifax FACT Rpt ) as well as the rejection letter I received from XXXX XXXX ( File Name : XXXX XXXX rejection ). You will note the dramatic differences in scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In 2006, I obtained two ARM loans for investment condos, which I thought were " Interest Only. '' However, my XX/XX/XXXX mortgage bill included a {$620.00} principal payment, which raises my total monthly payment 78 %. Between the two loans, my monthly payment has increased {$1200.00}. The loan Servicer says there was an Addendum to my note at closing that included a provision for adding a principal payment after 10 years. Reviewing the note, I saw that in an Addendum titled " Interest Only Addendum '' there were XXXX sentences that refer to a principal payment after 10 years. The actual Promissory Note and this Addendum both have paragraph after paragraph referring to interest rates ; the starting rate, the amount it can increase, the index, how it 's calculated, maximums, etc. But in the " Interest Only Addendum, '' there were only XXXX sentences that mention principal payments. Further, when the Servicer sent me a letter a month prior to the Principal payment inclusion, there was only one reference to a principal payment, in a table calculating all monthly costs ; escrow, taxes, insurance, interest, etc. Otherwise, the entire two page letter refers only to an interest rate calculation that will change my monthly payment. No mention of a principal payment at all. If the Lender or the Servicer is going to require such a significant amount be added to a monthly payment that results in an increase of 78 %, they should make that fact much clearer and provide information about how such increases are calculated and if there are any limits on such increases, just as they do with great detail regarding interest rates. Also, this Servicer had the audacity to charge me a {$55.00} late fee when I called to find out why they had not deducted the entire monthly payment from my checking account. I found out the day I called was less than 24 hours after the " grace period '' so a payment over the phone would cost {$10.00} and there was a late fee of {$55.00}. All this after I had contacted them numerous times checking on the correct amount of the payment and had a stellar 10-year record of making my payments on time. A very unfair situation due to misleading and deceptive documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am currently disputing negative items on my Equifax credit report upon every dispute I am penalized Equifax drops my score by major points. Is this fair? I am trying to pre-qualify for a home loan. The way Equifax is dropping my score for every dispute I will never get a fair chance to be able to own a home. Can someone help me understand why I am getting penalized for fighting the negative information on my credit file.

Company response to consumer: Closed with explanation