BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was involved in equifax security breach of XXXX. 

My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. 

I would like Equifax to correct their problem and update my report to reflect my current credit information. 

I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. XXXX company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The fraudulent company XXXX XXXX XXXX was taking {$190.00} from my account from XX/XX/XXXX until XX/XX/XXXX and then they started charging {$40.00} from XXXX until XX/XX/XXXX. I tried to settle this with the bank but they did nothing, no one ever called me and this company was fraudulent. SunTrust bank did not give me any money back as this company stole my money without my authorization. Then they tried to close out my account after initially denying the claim, it appears as if this was retaliation for filing the complaint. I contacted the company. Who didnt respond due to being XXXX down by the government, disputed it with the bank to no avail, filed a complaint with with the OCC snd now were here, they have done nothing nor has researched anything. Hopefully theyre a better bank as Truist bc tax Suntrust not so much.

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 2018-11-27
Company: B&F Finance Corp.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: NAVY FEDERAL CREDIT UNION
State: RI
Product: Credit card
Issue: Payoff process

Complaint:
One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I live and bank in XXXX XXXXXXXX XXXX 
On XX/XX/2022, at XXXX pm XXXX, I received a Bank of America debit card in the mail from the Employment Development Office with a statement that {$1000.00} had been deposited into my account. 
At XXXX am on XX/XX/2022 XXXX, I tried to activate my card only to discover that someone had hacked my account and transferred the money to a routing number somewhere XXXX XXXX 
On XX/XX/2022, after endless back and forth with Bank of America and EDD, I filed a fraud claim with Bank of America, Claim # XXXX. 
On XX/XX/2022, Bank of America denied the claim, stating that no error had occurred. 
On XX/XX/2022, I called Bank of America to dispute my claim and was told that my claim was rejected because I had not filed a police report with my claim. That morning, I filed a police report in XXXX XXXX, XXXX where I live ; and I faxed the request for reconsideration to Bank of America. 
On XX/XX/2022, I received a letter from Bank of America stating that they concluded that their original decision had been correct. 

The reason I am filing this complain is because Bank of America is not taking responsibility for losing my money. How could I have possibly accessed that money if my card had yet not been activated? Why did they put me through the unnecessary time and expense of getting a police report? 

Furthermore, when I spoke to the Fraud Department at EDD, they told me that this was a common problem with Bank of America in the XXXX XXXX XXXX XXXX. 
Evidently, Bank of America has a history of this kind of mistake and were admonished by a judge that they were making the claim efforts against them onerously difficult.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to remove fraud alerts via phone with no luck. I keep getting the run around when trying to remove these fraud alerts by the phone agents. I'm unable to remove them online and this is making it impossible for me to apply for a car loan to provide for my family.

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 2023-04-29
Company: EQUIFAX, INC.
State: TN
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 reported XXXX re-aging my account to equifax and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' equifax said they did an investigation and the re-aging dates were still on my account. 
as per the attachment equifax never did an investigation or made sure the debt was valid on their site. 

equifax let XXXX  re-age my account for their persoanl gain. 

equifax complied with bridgecrest and since transunion gets paid by bridgecrest to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. 
They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.

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 2021-06-25
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.

XXXX Potentially negative Date openedXXXX Balance {$1.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX  XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$470.00} StatusCollection account. {$470.00} past due as of XX/XX/XXXX. 
CHILD SUPPORT ENFORCEMENT Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I made an attempt to deposit my XXXX of California XXXX check through my $ XXXX cash app. To facilitate the mobile deposit process with Cash App, they require the inclusion of " cash app deposit '' beneath the signature. By endorsing it to Cash App, I authorized them to cash the check. However, they rejected the deposit, citing an issue with the endorsement. I followed their instructions by signing the check and including the necessary information, but they failed to provide an explanation regarding the specific problem with the endorsement. Consequently, they advised me to take it to another financial institution. However, endorsing it to Cash App prevents me from doing so, as it is already endorsed specifically to them. This leaves me in a predicament where Cash App 's requirement to endorse the check to them is, in effect, rendering it impossible for me to seek an alternative solution elsewhere. I find this situation unreasonable on the part of Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. 
I demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Global Credit & Collection Corporation
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have called Afglo to settle my debt in full. They sent me a letter of the arranged amount and paid it in the bank. I then sent a copy of the receipt of payment and called them to report it. I spoke to a representative named XXXX who told me that the release letter will be sent in my email within 24-48 hours. 2 days later its still isnt sent, I followed up again and he said to wait another 2 days. I called again today and he said to wait until it comes as its covid and they dont have enough staff. Not even empathetic or apologetic about what happened and said he doesnt have time to talk to me about it as it doesnt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was in a financial burden, I had applied obtained and repay multiple loans with NetCredit but it wasnt until recently that I understood interest rate. I XXXX  and in Florida the interest rate NetCredit has and I have been paying is not legal. I need some help and direction please its affecting my credit and its a financial burden. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Good day, I paid my XXXX Master Card, under Continental Financial, credit card bill in full on XXXX XXXX, 2017, before it was due and on XXXX XXXX, 2017, I was charged a {$10.00} " monthly maintenance fee '' so I contacted XXXX Credit Card customer service, on XXXX XXXX, at XXXX, and inquired about a monthly fee when the balance is XXXX and the customer representative informed me that every month I will be charged {$10.00}. I think that is not only unfair but unscrupulous practices. I paid off my credit card in full to increase my credit score and increase my available credit, but now I will close my account immediately after I pay this insane {$10.00} fee to maintain my account ; when there is absolutely nothing to maintain. I will continue to complain and shed light on these practices. Thank you and have a wonderful day.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. 
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 2017-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

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