BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 we did a full payment to payoff the car XXXX ( XXXX ). As of XXXX the loan amount of XXXX is still on my credit report. I am trying to purchase a new vehicle for my daughter and the additional XXXX has lowered my credit report. Plus the fact that the loan amount is not dropping makes the XXXX think I am missing payments. I contacted Hyundai XX/XX/XXXX and they advised it would be fixed. New car has arrived and I will be purchasing on XX/XX/XXXX and it is till not fixed. I will now have a higher interest rate and have to pay additional cost. I have called Hyundai again and they say there is nothing they can do as the credit department only work from a XXXX XXXX XXXX I need the XXXX removed from my credit report and would like compensation for the additional cost that I have to pay due to non removal of loan from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Elevate Recoveries, LLC
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: Was not notified of investigation status or results

Complaint:
Elevate Recoveries fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted Elevate Recoveries today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed Elevate that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to XXXX on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted XXXX, who informed me that this was reported by Elevate. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and XXXX did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a billing dispute notice to CitiBank on XX/XX/2022. They received this notice via usps tracking and sent a stamped return receipt back on XXXX, XXXX, 2022. This notice stated that the entire balance at that time of {$9100.00} was in dispute. Citibank had 30 days to send a written notice saying they received this dispute. They failed to do so. Citibank also failed to send in any documentary evidence of indebtedness which is required by federal law to prove the account to be valid. As stated in 12 C.F.R. 1026.13 ( d ), the rules pending resolution of the billing dispute are as follows : 1 ) Collection action prohibited, 2 ) Adverse credit reporting prohibited, and 3 ) Acceleration of debt and restriction of account prohibited. Citibank has violated multiple of these listed, including reporting adverse events to the credit reporting agencies and accelerating the indebtedness of the account.

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 2022-08-01
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I reached out to CitiMortgage to obtain a discharge of mortgage from XXXX in the amount of {$240000.00}. 
The XXXX I was given have the option to choose if you are looking for a lien release, this option provides you with a email XXXX. I have reached on to this website on XX/XX/XXXX, multiple times on XX/XX/XXXX, XX/XX/XXXX, multiple times on XX/XX/XXXX and on XX/XX/XXXX, multiple emails came back undeliverable so I then tried and additional email address on one of the emails XXXX, which I did receive an email back that stated not to reach out to this email anymore to contact the address I have already contacted multiple times. I also sent a fax request to XXXX, which, I received a confirmation that it was received but never received a response I then was told Citi Mortgage sold their servicing to XXXX XXXX, which I called and was given a 2 fax numbers XXXX and XXXX. Faxed my information to both numbers received a conformation the information was received but never received a response. Called XX/XX/XXXX to find out the status and was told XXXX is not responsible for a loan that was never sent to them to reach out to Citi. Was provided the same telephone number and email address that was already a dead end.

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 2022-09-28
Company: STERLING JEWELERS, INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I tried contacting the bureaus on a account that seems to be reporting as a duplicate on credit report and inaccurate. Both accounts seem to have a {$0.00} balance with a charge off. 
I do not recall having this account. Back in XXXX or beginning of XX/XX/XXXX I wrote to XXXX XXXX asking to delete account as it is stating in accurate results came back still in accurate even after I just provided proof of inaccuracies. After I got these results back in XX/XX/XXXX, I wrote to XXXX again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking to provide method of verification and on a different occasion I asked to delete as I dont recall having this account open. I would like to know where information is coming from, especially when results continue to come back inaccurate. I have not received any document stating where information is coming from. On one of the accounts payment history reports OK as agree were on the other account and its reporting charge off. This is not possible if information is coming from same furniture data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: ME
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
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 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 719XXXX has me at a score around 590. 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and XXXX have corrected the fraud account after the XXXX XXXX  sent all 3 agencies a letter saying I was not responsible for charges incurred on a fraudulent card. I have been working with lifelock restoration team. 
The letter from bank wss first sent to all 3 agencies on XXXX XXXX. 
Transunion told me they did not get it. The bank on XX/XX/XXXX sent them the letter clearing me again. 
Transunion got same documents as XXXX and XXXX but is now asking me to wait another month until their " dispute '' time is up. 
I am trying to buy a home and am being held up XXXX Transunion. They have still not updated their report. They want me to pay to get my credit score and report. That does not seem right.

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 2022-09-28
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, WITH NEGATIVE ITEMS IN YEAR XXXX, XXXX, XXXX, XXXX, XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX AND XXXX SHOWING " OK '' IN THEIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I placed a stop payment on a check that I had written in error in the amount of {$610.00} and that stop payment was accepted by Wells Fargo Bank and I was charged a {$39.00} stop payment fee. No disclosures, terms or conditions were read to me by the bank agent. The bank agent checked to verify that the check had not been presented for payment. 

To my dismay, the bank paid the check on XX/XX/22 even though the stop payment was confirmed. 

I immediately called the bank and explained the situation to a phone bank supervisor who filed a claim on my behalf and supplied me with claim # XXXX. 

That claim was denied by the bank on XX/XX/22 due to : " The stop payment was requested the same day the check was posted to the account. In return the check was paid and can not be returned. '' I once again called the bank on XX/XX/22 and my claim was reopened and escalated to the Wells Fargo executive office case specialist and was assigned to XXXX XXXX with a case # of XXXX. 

On XX/XX/22, I received an email from XXXX XXXX informing me that once gain the bank had denied my claim. 

I can not understand why the bank would accept my stop payment request and charge me a stop payment fee even though they didn't stop payment on the check.

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 2020-06-20
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.

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 2022-06-07
Company: EQUIFAX, INC.
State: PA
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 XXXX account # XXXX and Account no # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is new information on this debt collector/ law firm that goes by Gurstel Law Firm PC. I attempted to settle this matter with this company by writing a letter to the XXXX XXXX XXXX. The letter was delivered to the front desk reception area or mail room at XXXX AM on XX/XX/ 2022, Tracking number XXXX. The letter i wrote pointed out a list of serious federal violations that the debt collector may be committing against me. XXXX XXXX 's debt collection/ law firm continues harass me about payment of a alleged debt I do not owe his company. Again, I never had a contract with this debt collector. But this company feels entitled to payment. Now the company is mailing threating letters to me in an attempt to extort money from me by threating to sue me if I do not pay. This is a violation of 18 USC 876. Gurstel 's Law firm claims they are attempting to collect a debt on behalf of XXXX XXXX which is a credit card company but pursuant to 18 USC 894 no person shall attempt to collect any extension of credit. Also, I made a phone call to XXXX XXXX on XX/XX/2022 around XXXX PM. I was connected to a representatives by the name of XXXX, I asked XXXX what was the status of my account and he says my account has been sent over to XXXX XXXX XXXX XXXX XXXX XXXX ) A XXXX XXXX XXXX. XXXX said this was the only company to handle my account. If a employee of XXXX XXXX is telling me he knows nothing about Gurstel Law Firm PC but multiple employees and attorneys at Gurstel Law Firm PC are saying they are attempting to collect a debt on behalf of XXXX XXXX. This sounds like it may be Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ). 

I've attached the threaten letter sent to me, saying Gurstel Law Firm PC will sue me if I do not pay within 10 days. I marked the letter for multiple violations please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: LEXISNEXIS
State: IN
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:
On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that XXXX conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both XXXX and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.

Company response to consumer: Closed with explanation