BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I applied with two mortgage companies for a home loan. Both companies told me they were unable to pull my Equifax credit score. I called Equifax the same day to find out the problem and was told there was no problem on their end ; there were no freezes on my credit. Today, XX/XX/XXXX, I tried to pull my credit score myself and was unable to do so. I called Equifax again and was told there was a problem and it may take ten business days to fix. I need my credit score now, and when I asked who to complain to, I was told there was no one I could complain and I would just have to wait. I am trying to buy a home and need to do this in a short period. Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Credit Central Holdings, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in contact with Credit Central to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with Credit Central, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: VA
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My ex-husband XXXX XXXX, had a joint bank account with Bank of America. I tried to remove my ex husband from this account after the divorce in XX/XX/XXXX but Bank of America would not allow me to remove him. XXXX XXXX is XXXX permanently due to a XXXX XXXX in XXXX. He can not lift his arms up over his head and has doctor documentation to support this and legally has no money or assets. 

I continued to use my Bank account because I was told by Bank of America employee that the only problem I would have is that XXXX could take money out of the account if I used it. That is fine and was a personal concern, not a bank concern so I did not attempt to legally force him to be removed from the account. 

Sometime in XXXX time frame XXXX XXXX defaulted a credit card with BOA for {$8200.00} and they have gained a wage garnishment against him. This debt is not my responsibility, but BOA has seized my funds and money from my job and employments in the account. BOA is beyond the time frame of collecting for a charged off account. I personally have not seen any attempt to even collect this debt. This is the XXXX I am hearing of it when my bank account was emptied. If the bank had contacted XXXX I am sure he would have made some attempt to even fix this before they just froze my account.

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 2023-08-08
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have contacted family members and gave then my information. They've been calling everyday. I've told then to stop contacting me and have tried blocking the numbers. They change the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to TransUnion, XXXX, and XXXX to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.

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 2023-11-22
Company: Carvana Group, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
During the XXXX of XXXX I was locked in on XXXX  down with contract cavana racially profiled me discriminated canceled my order and my terms went to XXXX down after my vehicle was suppose to be delivered on the XXXX o loss XXXX dollars to insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX/XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To XXXX XXXX XXXX XXXX XXXX XXXX Ref # card ending XXXX Dispute : XXXX To whom it may concern : Please be advised that I have been billed {$510.00} promised services by Ally Bank through XXXX. I applied for a Mortgage Loan through Ally. They lead me to believe that I was been approved for a home loan and I approved an appraisal which they billed through XXXX or used XXXX as an intermediary. 
This is false and misleading to the consumer and I will be filling a complaint against Ally/XXXX and XXXX XXXX if these charges are not reversed. 
I am contacting the State of Florida Department XXXX XXXX XXXX to deal with this matter. The lack of urgency and professionalism involved with all parties contacted to resolve this issue is unacceptable. 
I am attaching all documentation received from parties via email and hope that we can find an amicable resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/2023 Confirmation XXXX, XX/XX/2023 Confirmation # XXXX, and XX/XX/2023 Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/2023. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/2023 confirmation # XXXX I have correspondence from Equifax dated XX/XX/2023, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX ID-XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Securus J Holdings, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
You recently sent me a letter and a check to reimburse me for fees that JPAY charged illegally for my preload JPAY card issued in 2012 by the State of Michigan XXXX. 
One question is " Why doesn't XXXX have to pay interest on this money? ", after all they had it illegally for 0ver 10 years. If this had been money that I obtained illegally from anyone, I would have had to pay all kinds of interest and penalties. 
Question # 2 is : I was never able to use the money on this card because they said I didn't have the proper PIN #. When I created the PIN # I wrote it on the card so I would have it, I know this is not advisable, but if I lost the card, I wouldn't be able to get the money anyway. 
My question is, " Can I still get this money back? '' I think I clicked NO when asked if I had contacted them about the problem, the fact is I did ( at least 3 times ). I called their phone number on the back of the card and was informed each time that without the proper PIN # there was nothing I could do. I had the proper PIN #, they just didn't seem to have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Ameritech Financial
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Received call from Ameritech financial about refinancing student loan several years ago. Did paperwork, payments were taken from checking account. In XX/XX/2018 received another call from Ameritech to renew student loan application. Gave requested info, updated XXXX account info. Received letter from XXXX ready lawsuit. Contacted Ameritech via email letter requested written update on my account. Never received it, sent another email, emails from Ameritech, XXXX XXXX, left messages, never spoke with him, never received requested account information. Each time I called got answering service. First email dated XX/XX/2018. No written response as of today, XX/XX/2018.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: WELLS FARGO & COMPANY
State: NV
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:
Wells fargo called me and told me i needed to make a payment on my account or they would close the account. I made a payment to prevent this from happening with the lady who called. I paid XXXX $ to keep my account from being closed. I received emails and my bank statement showing that my payment went through. I called multiple times to ensure the payment was successful and was confirmed that my account will not be closing and it would not affect my credit. About two weeks go by and I get another phone call stating my payment was declined ( Although it shows on my bill that it was paid ) and that my account has been closed. I now have to work with a debt collector instead of the bank and they will not reopen my account stating I need to make the full payment to now remove this from my credit. I have tried working with Wells Fargo multiple times to get this issue resolved and they are XXXX help. I made my payment on time and they still closed my account and wont resolve it. I am extremely disappointed in this company and need this removed from my credit. 

Thanks, 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 explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: VA
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 disputed that the date was wrong on my bankruptcy were wrong with Experian and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

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 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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 a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2018-04-06
Company: CMRE Financial Services, 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 is missing that should be on the report

Complaint:
My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low. 

My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a new account from XXXX which has always been satisfactory and Equifax dropped my score XXXX points.. That is not legal to drop a person score XXXX for one new account.

Company response to consumer: Closed with non-monetary relief