BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: NY
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:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CITIBANK, N.A.
State: NY
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:
My account was locked because of  XXXX  purchases -  XXXX  for {$100.00} and  XXXX  for {$30.00}. I noticed my account was locked when I could n't log into my account. Then, it turned into a   XXXX   XXXX   XXXX   show becasue I was n't calling from my home phone. After  1 h our, I closed my account - they immediately locked me out of my data. I asked to receive my data and they said they can mail or fax it. This seem to be willfully uncoopertive to someone who 5 years of about a  XXXX  rolling balance.

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 2021-11-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed an erroneous account ( XXXX XXXX XXXX ) on my Experian Credit Report on XX/XX/2021. Experian received my dispute, and to date ( XX/XX/2021 ) and has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

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 2022-01-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approved for the card back in XXXX of 2021. The only open account I have, card wise. This is on purpose, I have been paying my debts down, and had my score up to what is considered good. I only applied for the card due to an emergency. It was advertised as a promotional 12 months interest free. No warnings were given that if you are late, they would check your credit, and thus decide to lower your credit limit which then impacts your credit score. The first time this happened was back in XXXX of 2021. My credit took a hit, this was also right around the time I was applying for a mortgage so I took another hit. They lowered my credit limit again in XX/XX/2021, XX/XX/2021, and XX/XX/ 2021. My credit score has been hit by a XXXX pts because of this card. I have made payments every month but XX/XX/ 2021 because I never received a statement. I had to grab the approval email to be able to sign up for the app in order to make payments going forward. I have made a payment every month from XX/XX/2021 up till now, and will keep doing so. On the app it always said minimum payment due was around XXXX $ which is what I paid each month except in XXXX when I paid XXXX $ because I'm in a place to pay more. I called the company as suggested to see about reversing my credit limit since it's killing my credit score. Again this is the only open card account I have so each month they check my credit score they end up lowering my credit limit due to lowering my limit the previous month impacted my credit score. It's a vicious cycle that needs to end. I spoke to a representative who made it very clear they can't do anything and there is no one I can talk to. She said all she can do is advise I speak to a credit counselor. I have been working aggressively on my credit score for the last four years, I know how it works. I just wasn't expecting a card with a promotion that can only be used at health facilities like a vet office, wouldn't attack me for missing one payment, and continuously lower my credit limit impacting my credit score they keep checking each month. Since they refuse to reverse what they have done with my limit, I'm not sure if I should take another hit and close the account or put it on a freeze. Neither options guarantee they will stop but they have already erased all my hard work over the last four years. I never got a letter advising me they are doing this, no voicemails, no emails. I only found out because I watch my credit score.

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 2017-06-12
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  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 2021-11-12
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 'S XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NC
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/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX. I did not get a response from XXXX and Equifax because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both XXXX and Equifax have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from Equifax and XXXX. I feel as if I did not have a thorough reinvestigation and Equifax and XXXX did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I was in a car accident on XXXX driving a brand new 2022 BMW that I had leased 3 weeks prior. The value is a {$48000.00} vehicle. The other driver rear ended me ( admitted it was his fault ) and I was just notified my car was totaled and can't be repaired. My insurance carrier is XXXX XXXX so they are now in litigation with the driver 's insurance company ( XXXX ) to get my claim paid. Until that is resolved, my insurance company has " paid '' the claim. This is where the issue is. My insurance company ( XXXX ) is paying the full value of the vehicle to BMW XXXX ( leasing company ) instead of paying them the remainder of my lease and paying me the difference. They are telling me that they had planned on paying out my lease and then paying me the difference but BMW Financial will not allow them to do it. I put {$10000.00} down on my vehicle that I had for only 3 weeks. Therefore, my insurance company is refusing to pay me what is owed back to me and paid the full amount to BMW Financial. 

I contacted an attorney and he said it is my insurance company 's responsibility to " make me whole again '' like I was before the accident which means they should be required to pay me the {$10000.00}. They are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the 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 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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 agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. Corporations are negligent and non compliant.

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 2021-11-12
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started a loan application for a small mortgage with Rocket Mortgage back in XX/XX/2019. The home we were purchasing was new construction and therefore we had to wait for completion of the home. 

We sent in early in the process all the documents requested. Our closing date was set for XX/XX/XXXX and we were under the impression all was ready to go. On XX/XX/XXXX, we received a closing settlement statement. At the time I informed Rocket Mortgage that they had the incorrect amount of money we had already paid the builder from earnest money and for change orders. They were {$100000.00} short of what we had actually paid. I tried several times to message them and have it corrected with no response. I finally signed the incorrect papers I believe on XX/XX/XXXX, a few days before the expected closing since I was not getting a response. On Tuesday, XX/XX/XXXX I was informed that they had received the paper and that they now needed 4 business days to review and that was pushing our closing back to XX/XX/XXXX. 

At this point we were very unhappy because if we had been responded to in our messages trying to correct the error it would have given us more time for all the requests that would be coming our way. Once they realized they were off {$100000.00} they began auditing our account and asking every single day for more and more documentation, pushing our closing back day, by day, by day! Additionally the people reviewing our documents don't know what they are doing and don't seem to understand what a financial statement looks like! Every day I send new items and every day they find something new they want. We are currently waiting as they review more of their request and no set closing date. 

We understand that they need to see where our money comes from but they have had almost 6 months to get what they supposedly needed, not request it the day before closing, making us wait for who knows how long to be able to close. We have showed them the statements showing the large deposit of money from the sale of our previous home into our accountant in addition to the settlement statement from that sale showing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: SHABANA MOTORS
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:
I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : Shabana XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried depositing my payroll check to cover my overdrawn account and now they are closing it and not allowing me access to my account online or via app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in a Chapter XXXX and whenever I am late paying my mortgage I have to pay the back payments and the Bank Attorney Fees. I have been denied loan modifications and I am consistently harassed via mailed by Pentagon Federal Credit Union and there Attorneys. I am having a hard time financially and filed chapter XXXX twice and I am working really hard to pay the back payments and need a modification and have been denied a modification twice. I think I am being treated this way because I am a minority and my house is in XXXX DC. I think its unfair that I am paying attorneys fees for the banking institution. My mortgage payment is {$1600.00} there attorney fees are {$510.00}. They have also scheduled court dates in addition to receiving payments. I really want to stay in my house and need help from the bank not be treated unfairly. Like the letter in this attachment I was late paying XXXX payment and now the Bank attorney wants an additional {$150.00} plus {$510.00} that I sent along with the mortgage payment of XXXX. I have all the documentation letters, payment receipts over the years were I have paid Pentagon Federal Credit Union Attorney Fees. I want it to stop!! For the record the house is contaminated, filled with mold, termites and water damage. I am taking all the extra money I have to repair and restore this home. I need help!!! I really need help!!!

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 2017-06-12
Company: Experian Information Solutions Inc.
State: PA
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 HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON 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 non-monetary relief
Consumer complaint received 2017-06-12
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX , I financed my house at  XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia with  Ocwen M ortgage Co. The mortgage was interest only the first 10 years (  XXXX  ). In  XXXX ,  Ocwen  continued to bill me monthly and I continued to pay. On  XXXX   XXXX ,  XXXX ,  Ocwen cre dited {$6100.00} to the principal balance to my account. In  XXXX   XXXX ,  Ocwen de manded a payment in the amount of {$5900.00} plus {$960.00}. Included in this payment were {$680.00} interest, a late fee/short charge of {$230.00}. In a letter dated  XXXX   XXXX ,  XXXX ,  Ocwen  advised me that the payment of {$5700.00} was for undercharges and not applied toward the principal balance on my loan. According  to Ocwen 's au dits the principal balance on the mortgage has increased each month :  XXXX / XXXX / XXXX  - {$110000.00} ;  XXXX / XXXX / XXXX  {$110000.00} ;  XXXX / XXXX / XXXX  -  XXXX  ;  XXXX / XXXX / XXXX  - {$110000.00} and  XXXX / XXXX / XXXX  - {$110000.00}, no money applied to principal after  XXXX  's payment was made. In an attempt to prove their c ase, Ocwen se nt me a fraudulent Note dated  XXXX   XXXX ,  XXXX  along with other docu ments Ocwen sent me. Enclosed Letters and payment statements received from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy Courts. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

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