BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
cr card was lost, capt one try to tx to my # to verify, unable to rec tx. Need replacement walmrk card, and bk copies of statement from XXXX-to current, had returns need to see if they were cr.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( TransUnion, XXXX, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

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 2020-08-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Citi card on XX/XX/2020 Application ID XXXX. 

I was DENIED for having 1 INQUIRY!!!! HOW?!? 

My credit score is XXXX!!! Ive had Citi for over 12 years now and never been late, I have XXXX XXXX credit lines to $ XXXX and Capital Ones just as much. However Im denied because I had ONE INQUIRY?! 

Thats XXXX 

Ive spoken with their fake reconsideration department and was still denied, theyre saying because I was Approved for a XXXX XXXX a few days prior that disqualifies me for any products?! Thats XXXX!! Im XXXX off!!!

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 2021-08-10
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent Arcadia a letter asking them to validate a debt they are claiming I owe. I asked them to provide a breakdown of fees including any and all collection costs and medical charges. Also to provide a copy of my signature with the provider of service to release my medical information to them. They have responded on XX/XX/XXXX with just a summary of a bill showing charges I owe. They disregarded my request and kept sending the same paperwork. I have written to them twice in regards to this and they fail to respond properly. They have now stated that they will not respond to my disputes unless I have new information I need validated but they did not validate my letter the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Capitol One. On my statement they have a balance to pay off so twice I paid off the balance of the card on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX I see on my statement an interest charge of XXXX, I called Capitol One. I ask them since I had paid off the balance why was there an interest charge. They told me that that they had be charging daily interest and that was not in fact the balance to be paid off that it said on the statement / website / app. So 4 days later they added up the daily interest and charged my card which meant it was not paid off. When I asked them why they do this the rep said it is " encouraged '' that you call in to pay off your balance. This is not on the statement anywhere. Nor is it on their site that you should " call in '' to get a final balance. So if you think you paid off your credit card, surprise you did not pay in full and then they will charge you 4 days later so the balance continues. This being the case if you never call in, because you didn't know you needed to, you could never pay off your credit card. They are stealing from their customers with shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/1979. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 

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 2016-08-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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:
Last year I had 2 incidents of identity theft resulting in hard inquiries from both XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX was XX/XX/XXXX, while XXXX was XX/XX/XXXX. I have worked with both companies and both have repeatedly sent information to Equifax to have the inquiries removed. Both have sent me letters, which I have sent to Equifax. When I have spoken with the companies I have been told it could take 90 days to have the inquiry removed. I have waited those 90 days 3 times without results from Equifax. My first contact with XXXX XXXX XXXX was on XX/XX/XXXX, again in XX/XX/XXXX, and again on XX/XX/XXXX. During my last contact with XXXX I was told they would escalate the matter and to wait 30 days. That was on XX/XX/XXXX, but the hard inquiry remains. I have twice disputed it personally with Equifax, with supporting letters from XXXX XXXX XXXX and XXXX. Equifax keeps responding they do not remove hard inquiries based on individual disputes. I have called Equifax with the same refusal for any resolution. I have also filed a police report regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I sent {$600.00} to Synchrony for a credit line of {$600.00}. For the 3 months Ive had the account, Ive made consistent and advance payments to keep a balance available for purchases. They are suddenly HOLDING a payment I made and declining new purchases even though a payment of almost {$400.00} has cleared my bank and they have the cash in their own bank account. They refuse to allow the payment to be applied to my account and have stolen it instead.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help 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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.

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 2021-08-10
Company: EQUIFAX, 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 information incorrect

Complaint:
I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SUNTRUST BANKS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: SUNTRUST BANKS, INC.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent XXXX wires in the amounts of {$7500.00} and {$4500.00} respectively from my bank, XXXX XXXX to XXXX XXXX account in Sun Trust Bank. She tried to wire the money to XXXX against my knowledge and wishes. The wire transfer was stopped from her account to XXXX. The Fruad Department said they did an investigation into this. 
I sent in a recall of wire from my bank, XXXX XXXX to Sun Trust bank. 
They did not send the money back. There investgation took XXXX weeks and they have lied and lied to me telling XXXX that they closed her account and would send her the money back so she could then return it to me. 
Sun Trust Bank sent the money instead to the IRS claiming there was an outstanding Levy against XXXX XXXX. 
I wish to get my money back from Sun Trust Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2014 I received a letter from SunTrust mortgage XXXX see attached XXXX ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in XXXX with a new mortgage which did not have PMI XXXX see attached XXXX ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached XXXX ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( XXXX ) issued a non-cancelable policy. When I tried reaching out to XXXX, they would not talk to me because I am not officially their client XXXX Suntrust is XXXX. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from XXXX and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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