BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: MD
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents it was also showing on XXXX XXXX that they report 120 days late in XX/XX/XXXX when they show opened on my account in XX/XX/21 and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. Equifax has also refused to remove Inquries that was placed on my credit report that I did not give the ok to I have sent these companies certified letter also and no response back and they are still showing on my report. XXXX XXXX, XXXX XXXX, XXXX Please remove asap off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
RE : XXXX XXXX Business Streamline Checking Account Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), While visiting a Citibank branch on XX/XX/2021, I opened a new Business Streamline Checking Account. According to the business relationship banker who opened my account and the Citibank website, I was eligible to receive a {$1500.00} sign up bonus if I ensured the following conditions were met : Within 30 days of opening your account Qualifying Balance Period, deposit {$100000.00} new-to-Citibank funds into the Streamline Business Checking Account Maintain balance of {$100000.00} for 60 days after the " Qualifying Balance Period '' o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days o Total amount of days = 90 days I have met all of the aforementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Citibank : XX/XX/2021 : Opened account XX/XX/2021 : Deposited {$100000.00} new-to-Citibank funds into my new Streamline Business Checking Account As required by Citibank, I funded the account within 7 days ( requirement is within 30 days ) As required by Citibank, I maintained a minimum balance of {$100000.00} in my new Streamline Business Checking Account for a period of 93 days through XX/XX/2021. Citibanks requirement was a total of 90 days : o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days On or around the 5-month mark after opening this new account I became very concerned that the bonus I earned was not yet awarded to me. I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours waiting on the telephone for someone to answer my call and address my concerns, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$1500.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.

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 2020-04-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a freeze on my credit a month ago through Experian. I wasn't give a pin number at that time. I've been trying to remove the freeze by having the pin number resent to me. I have tried using their online service but even though I answer the questions correctly they denied sending me the required pin. I have sent the required form letter with all of the required information, which they received more than a week ago. Their website says that a freeze would be removed within 3 days of receiving the letter. There is no way to actually talk with someone at Experian. I need help getting Experian to unfreeze my credit. Thanks XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ON XX/XX/2018, EQUIFAX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY EQUIFAX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF XXXX XXXX, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Shellpoint Partners, LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted Shellpoinys attorney XXXX XXXX several times about them contacting me and using a 3rd party to do home inspections. XXXX XXXX even sent Shellpoint a letter telling to never contact me again no matter what. Due to Ditech bankruptcy and the illegal sale if my loan during the bankruptcy process to Shellpoint a debt collector not a mortgage company even says so in the recording when you call them. This is credito harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclay originally offered it 's Gold card to XXXX XXXX service members with 0 % APR and waived the {$990.00} annual fee as long as the members were XXXX XXXX XXXX. As of XX/XX/XXXX, slightly less than a year after signing up for the card, I received a letter stating that company policy was changing for service members and that the annual fee would no longer be waived. I was informed that on my next annual cycle I would be charged the annual fee unless the card was canceled prior to that date. While I understand that changing their policy is within their rights, I believe that this was predatory lending/marketing against service members, they advertised one policy and then changed that policy after they got the card member to sign up. In XX/XX/XXXX I received a second letter stating that if I closed the card I would not be forced to pay the balance immediately but could pay over time until the balance was paid off. While this lessens the blow if I close the card I 'm still left with the damage to my credit score that would be caused by opening a new account for less than a year that I would not have opened under the current company policy and carrying a balance with no line of credit.

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 2022-01-23
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 is missing that should be on the report

Complaint:
Experian is practicing illegal reporting. Experian purposely is reporting inaccurate addresses on my credit report even after being notified on numerous occasions that the addresses was/is NOT MINE. Experian is defaming my charter by illegally reporting addresses on my credit report that doesnt and never have belonged to me. I have been denied credit because of this issue as well.

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 2017-07-25
Company: AES/PHEAA
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:
Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with capital one. I subscribed to let them withdraw the payment monthly. Last month I spoke with a representative to ensure they had the correct banking information and thought I made it clear it should only be with drawn from one bank account, I was told she removed all other banking information. Today I found that they withdrew the funds from a different account. There was no money in the account so I was also hit with a overdraft fee. I have tried more than once to speak to Capital One regarding this issue, I thought it was cleared up and clarified last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: BROKER SOLUTIONS, INC.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX credit line and amount owed are too high..limit should be XXXX owed should be 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 2021-04-22
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, I was recognized in NJ as a 100 % XXXX veteran so I have no property taxes from XX/XX/2020 until forever. I notified Mr Cooper mortgage immediately of the change so that my escrow payments could be reduced. 

In XXXX I checked my escrow and Mr Cooper had failed to make any changes to reflect the fact that I did not have to pay taxes. I again sent them proof to an email address they gave me. I also resent the documents to a Mr Cooper employee 's email address. 

In XXXX, after pandemic forbearance I checked again. Still, Mr Cooper has not remedied the matter. My mortgage payment is indicated at {$2700.00} per month which reflects about {$850.00} for real estate tax escrow. 

I have called several times, messaged them several times and re=sent to proof of no taxes but still no change. I have not paid the XXXX mortgage payment because it is about {$850.00}. more than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing XXXX and Transunion that I was a victim of identity theft. XXXX and Transunion are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and Transunion have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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 REPORTER ACT CONVERSION ACCOUNT NUMBER XXXX XXXX  ACCOUNT # 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2017-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent multiple complaints about accounts listed on my credit report that aren't mine. I have not yet received anything from the credit bureau stating they properly verified the accounts and how the accounts were verified. Anyone can respond " Yes this is accounts belong to this person '' but how are you verifying the information is accurate??? The credit bureau is obligated by law to assure the accounts they are reporting are accurate but they are not doing so. The accounts that I listed within my letter ( s ) are not mine. I've received responses stating they have verified the accounts are mine but I would like to know how are they verifying the accounts because, they aren't mine. I've requested time and time again for something with my signature but have not yet received anything.

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 2022-03-20
Company: EQUIFAX, INC.
State: NJ
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:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company with a name Sequium Asset Solutions put a charge on all three of my credit report that I owe them. I do not know this company, have never done business with this company yet they were able to get my social security number and reported collections to XXXX XXXX and XXXX. 
This was reported on XX/XX/2021. 

I searched on XXXX and found them to be a scam company that wants consumers to pay them. They are demanding payment from me and I have never done business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation