BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 I received email from Citi bank stating my thank you preferred card will not be renewed once it expires in XX/XX/2022, and reason is due to bankruptcy or other charge off account with citi. I do not have bankruptcy and I only see a charge off account from citi for {$200.00} from 4 years ago on my credit report. I never had a credit card with {$200.00} limit besides my very first secured card with Citi when I was young. Which doesnt make sense because I paid {$200.00} deposit in order to open that secured card. I recently opened dispute on this charge off with all 3 credit bureaus but have not yet hear any response back from Citi. Last four of the account that Citi wants to close is XXXX XXXX XXXX XXXX. I have had this card for over 7 years. I have been responsible using it, paying down the balance from over $ XXXX to {$900.00} and soon will pay this card off, for Citibank to just close my account like this due to a {$200.00} questionable charge off is ridiculous. I am trying to work on my credit, if they close this account it will have a huge impact on my score as this is one of my oldest positive trade line.

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 2021-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my 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 2017-06-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX a consumer put a judgement against me and froze my bank account. Every time I call Citibank they tell me to call a number so I can unfreeze my account which Citibank and the office refuses to do so. Even though I 'm protected with the EIPA 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 explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-18
Company: EQUIFAX, INC.
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 requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my SocialSecurity Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ROYAL UNITED MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a home equity loan with Royal United Mortgage , LLC. We provided all the information to pull our credit. I mentioned to the loan officer XXXX XXXX that I had a short sale on a home in Illinois. She mentioned Royal United Mortgage underwrites their own loans and they can do hings other lenders could not. The attached documents will show that a few hours after pulling both of our credit reports, an appraisal was ordered through XXXX and payment would have to be made by us as Royal United Mortgage did not pay for that part of the loan and all other associated costs would be rolled into the loan. We paid {$450.00}. The appraisal was done it satisfied us borrowing the amount we were set up for. Then the week we were supposed to close the loan, here comes the underwriting problems. The same information in my credit report before the order of the appraisal is now a stumbling block to closing the loan. A subsequent conditional approval is very confusing after appraisal is paid for but loan not closed. I am requesting the return of my appraisal fee {$450.00}. The company and it 's loan officers should not promise what they claim they can do that other lenders ca n't. It is as if they lead you on, get your dollars and skin involved then, " Oh we ca n't do anything ''. 
I do not need a {$450.00} appraisal of my property. I do need my {$450.00} returned.

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 2019-07-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Loan # : XXXX PHH Mortgage is my mortgage company. I made a payment last XXXX and used the incorrect bank acct ( my fault ), i called the company the very next day they told me they would run the check again so i changed the funds to the correct account and waited for they to run the check again. Well, i guess they decised not to run the check again and it cause my trial mod to be voided which i told the rep that i was on a trial mod. A foreclosure date was set and i filed Bankruptcy to avoid losing my home. The mortgage company told me to resubmit the modification and I have on 3 different occations. Since the bankruptcy I have resubmitted it twice and nothing is being done. It was only when i call i ffound out that they cancelled my first request without notice and when i called they told me they wanted me to start the process over. So I started over and its been over 1 year and 45 days and i havent heard anything until yesterday i called XX/XX/2019 and now they are requesting more documents. My mortgage company does not reach out to me via of phone, email or mail at all!!!!!!!!! I need help!!!!!!! On serveral conversation i have ask them to email me and i gave my son 's mailing address and nothing ... .. I dont want to lose my home and the bankrutpcy payments are killing me. Can someone help me push this through? Or can i file a law suite for answers. DO ANYONE CARE! I have a better paying job and things are starting to look up for me since the death of my spouse. I just need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Made a purchase from XXXX for {$700.00} and when the package arrived, it was not what I ordered so I returned it. XXXXXXXX XXXX states that what they received is NOT what I ordered, which is EXACTLY the problem, I did NOT receive what I ordered and they refuse to issue a credit to my account when the error was on their side to begin with. 
I wrote and called and their response was that they already responded. 
Wrote to the card issuer and they stated the same thing, that XXXX already responded. 
It appears NOBODY wants to read or understand the issue. 
XXXX kept what was sent back and refused to issue credit to my account. 

Now they are reporting to the credit bureau that I am a dead beat and do not pay my bills -- I made a few payments to keep my credit good while I attempted to resolve but it is clear they REFUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 credit card with capital one the first time I was advised that they couldnt proceed due to incorrect phone number on my fraud report so I said ok let me fix this so I fixed it with every bureau I tried to get the existing app processed I was told no they cant do that cause info is wrong on their end I said ok something needs to be done here the rep decided to run my credit again with out my auth saying the same thing which isnt correct cause it was indeed updated I even got confirmation from the credit bureau then I try to get these inquiries removed speaking to multiple managers being told no cause its my fault when in reality I was misadvised by multiple people and its their company error reason my credit been ran 3-4 times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. Again, Discover didnt answer them. So, again, I am asking them. 
The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 'XXXX website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX  certified inspector. Also, XXXX advertises itself as being International Association of Certified Home Inspectors certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all 3 issues.

At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXX inspection not being performed but charging customers for one is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've settled this payday loan in 2016 with Cash Central and DFS.

I'm now getting collection calls from a collector that Cash Central can't / won't validate. I've asked the collector to validate the debt and that I settled the debt in 2016 through DFS. 

I've provided all the documentation that I have on my credit report. If Forced I could go back to the Bank and Find the check / Credit card that I settled the debt on. 

This collector won't stop emailing and texting me along with calls. The collector then asked for my address. If they are collector they should have or find that info. 

Please help me to address this collector as I don't see them as being a registered collector in the state of California or the collector that cash central has provided that owns the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Auto loan on my credit report was reported as unpaid even after 1 year of having posession of it ..Company sold it after repo ... they sent documents of XXXX   balance and then soon after their collection/loan department resend another document saying their was a balance and proceeding to report amounts owed as though they didnt already have the car and that I incurred a debt during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In XX/XX/XXXX Capital One closed my credit card account " due to inactivity ''. This were my oldest credit accounts and has negatively impacted my credit score by over 100 points. 

My credit card from Capital One was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX and it was closed without my consent on XX/XX/XXXX. 

Why all of a sudden did they close it after nearly 7 years of inactivity?? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open.

I have seen online that other people have successfully had their accounts  reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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 submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
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 requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15  days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30  days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2017-06-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.

Company response to consumer: Closed with non-monetary relief