BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.

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 2021-03-12
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX   allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from 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 non-monetary relief
Consumer complaint received 2016-11-23
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I purchased my first car from XXXX XXXX, Ford Motor Credit actually financed the deal for me. The car was repossessed in XXXX. This information is still being reported 16 years later. I 've worked with the Credit Bureaus who advised I needed to contact Ford Motor Credit directly. I reached out to Ford was transferred to a couple different departments and left a voice message. I received a call back from someone who said they were looking into it. Yet and still this is still being reported on my credit as an OPEN account. I 've been denied credit due to repossession recently and this is the only repossession in my history. This has made my credit appear worse than what it is. I 've struggled trying to clean up my credit even recently filing Chapter XXXX Bankruptcy which is now discharged. Still this account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18
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 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 XXXX i made this clear for 60 days straight with tXXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX  XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citibank has checking accounts that demand a $ XXXX monthly service charge unless you have a monthly bill pay. I set up a bill pay for {$15.00} a month on the XXXX of the month to land before the end of the billing cycle. This was set up years ago and was within plenty of time of the bill cycle ending. Over time the billing cycle end day crept closer to and closer to my bill pay date and eventually I started accruing service fees when the billing cycle ended before the XXXX of the month. I set up my bill pay in good faith with more than enough time before the cycle end date. It is not my fault that the billing cycle is before the XXXX now, years later. I believe this is an unfair and deceptive practice and I am willing to bet there are many customers who are paying money for this UDDAP violation. 
Citibank did not go to any length to assist me or warn me of this. When I called, I advised Citibank should change their billing cycle date and I should not have to make changes from their erroneous business practice. They did not take my complaint seriously. Any date that has a monthly service refund fee will be the dates I logged this complaint. I begged the customer service to log my complaint but they refused along with refusing to change my billing cycle.

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 2020-12-29
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, I am submitting this complaint to inform the CFPB and Executive Leadership at BBVA on the horrible experience I received with my mortgage loan that settled XX/XX/2020. My wife and I were misled from day 1 during our initial discussions with the loan officer which has resulted in financial harm.

Here are the facts of the complaint : 1. We began discussions with the mortgage officer in early XXXX  as my wife and I were actively looking at properties. At that time, my wife disclosed that she was a XXXX XXXX and that our desire was to use her commission towards a portion of the down payment so that I didn't have to sell stock and take short-term gain which would have a significant tax burden. Further, we had discussions that if we couldn't do it then we would lower the sales price less the commission offsetting the taxable income. The loan officer assured us that they do this all the time.

2. The application was completed in mid- XXXX where we again expressed our desire to use my wife 's commission towards part of the down payment. And again, the mortgage officer said no problem ( we have emails to this regard ).

3. During the underwriting process, we were asked for a gift letter from my wife gifting her commission to me as i was the only borrower on the loan. This which was provided as an underwriting condition.

4. The day of closing we find out during final underwriting review that we couldn't use my wife 's commission. Thank XXXX, I had already sold some stock and had the available funds to close. If I wouldn't have we would have missed escrow breaching the contract and causing downstream impacts to the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My credit score took a big dive XXXX down to the 600 's I logged into XXXX  and found a PayPal/SYNCB account that I knew nothing about and never opened, I suspect fraud and or identity left. This account has 170days of late payments which is destoying my credit score. I knew nothing about this and never received any bills or e-mails, since it was not me who opened this account. 
I found inquiry report that three times that day, my credit was pulled by XXXX/XXXX, SYNCB/PAYPAL and XXXX  XXXX / XXXX  I never authorized those and knew nothing about them. I have filed a dispute with XXXX. 
PAYPAL/SYNCB refused to give me any help or information, 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 non-monetary relief
Consumer complaint received 2015-05-05
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Source Receivables Management LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage has not replied to all my concerns from a letter received. 

I Demanded for a copy of my original contract. ( this is was ignored in their response letter dated XXXX XXXX ) I demanded new Loss modification documents for signature. ( They send a copy of the OLD loss mitigation papers originally dated XX/XX/XXXX with an effective date of XXXX XXXX and first payment due XX/XX/XXXX ) This original request was received XX/XX/XXXX which is already past the 30 day deadline. This company has since then received a second letter that was received XX/XX/XXXX ( XXXX certified # XXXX ) once again asking for the same 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 explanation
Consumer complaint received 2020-12-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently obtained a XXXX loan through Payoff to payoff my credit cards. I have a perfect payment history on all of my cards. After paying off my 3 Chase cards to the tune of almost $ XXXX, I receive a letter that all of my credit lines have been reduced to {$500.00} each. 

I called and after a re-review, they were willing to give back $ XXXX across the 3 cards. I was told they could not do more than that based on the balance I carried over the past year ( which was due to extraordinary circumstances ), because I was only making minimum payments and because I used a credit card consolidation loan to pay off the cards instead of personal savings. 

Ive been with Chase for several years and to be treated like this after paying off all of my accounts is absurd. It seems like they would have rather I kept making minimum payments so that they could collect interest. 

On top of that, having my credit limit reduced affects my credit score negatively when all I did was payoff my cards which should have boosted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX XXXX continues to report to the three major credit bureaus that I have an active and open mortgage account with them. This account was closed approximately a year ago. I reached out to XXXX XXXX XXXX at XXXX and was told that my request was sent to the XXXX XXXX department. He could not give me an ETA as to when they would follow-up with me. I spoke with him twice and sent two follow-up emails, again to no avail with an expect ETA or direct phone number for someone who could help me. 

Someone by the name of XXXX called me on XX/XX/28 and told me that I would have to dispute this through the credit bureaus and then he could look into it. He said that he sees that my account is closed but had no interest in seeing proof that this was last reported to the credit bureaus in mid XXXX. 
Why am I supposed to dispute it when XXXX XXXX XXXX XXXX is the one reporting this every month?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I was informed that my credit limits were decreased on my two Citibank credit cards to within {$100.00} of my balance. I was told they were decreased due to the annual review of my credit report. Within three days of this, two other credit card companies did the same thing. My credit score then dropped from XXXX to XXXX. Then on XX/XX/XXXX and XXXX, Citibank reduced my limits again. Citibank stated it was due to another review of my credit report. When asked why my accounts were being reviewed for the second time in four months, I was told " the letter sent to you explains it all ''. All the letter says is it was due to a review of my report and my balance to limit was too high. My limit to balance is going to be high if my creditors constantly reduce my limit to just above my balance. I have never missed a single payment on any of my credit cards and there was no reason for Citibank to review my credit reports again. This isn't the first time Citi has done this. They did it three times in XXXX also but didn't reduce my limits. One was increased. I know they have the right to review and change my limits based on my report. But they are telling me that it is random reviews and twice in four months along with three times two years ago is not random. I fear that if this quarterly review keeps occurring, my credit score will continue to drop causing my other cards to follow suit, creating a credit nightmare for me and my future.

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 2020-08-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been going back and forth with this company credit collection services since XXXX about an account that they are reporting to the credit bureaus on my credit reports. I spoke with someone from their company on XX/XX/2020 and they couldn't find the account that they are negatively reporting on my credit reports so I asked to speak with someone else because she wasn't helping me any so she told me to hold on and then she hung the phone up. I attempted to call right back and I was able to speak with someone else but they were no help either this agent told me that it was nothing that they could do for me even after I explained to them that I don't owe them anything. This account that this company is negatively reporting on my credit reports is holding me back from obtaining my home loan to purchase my home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen. I found out when I received a credit report when applying for an apartment. I spoke to XXXX on XX/XX/2018 at approximately XXXX pm. I requested the letter as I was advised by the FTC detailing that : 1. the fraudulent account was not mine. 2. I am not liable for the account. 3. That the account was removed from my credit report. 

XXXX from CapitalOne told me that the account has been closed due to fraud and that I would be receiving the above requested letter in a few days. 

Today, on XX/XX/2018 at approximately XXXX XXXX I contacted CapitalOne as I still did not receive any correspondence from CapitalOne as promised. I contacted CapitalOne and informed them of the situation. XXXX told me that they were notifying the credit bureau but I could not get the letter as promised unless I provided a copy of my social security card and my driver 's license. I told them I was uncomfortable with that as my identity was stolen and could provide them with any information they wanted. They refused to help me. 

The basis of this complaint is that the company told me incorrect information during a sensitive time on XX/XX/2018, did not follow up with me, and when I called again they said the complete opposite of what they said during my initial call.

Company response to consumer: Closed with explanation