BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After getting a copy of my Equifax credit report ( credit report number XXXX ) I called customer services Today, XX/XX/XXXX at XXXX XXXX Pacific time to initiate a dispute for hard credit inquiries that I did not recognize : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -XXXX XXXX XXXX. 

I don't think it is unreasonable to ask for an investing since the companies have no record of the inquiries and none of these companies are listed with accounts on my credit report. It is also my responsibility to check my credit frequently for potential errors. 

I had a very confusing phone call with a super visor at Equifax that told me that it is Equifax policy not to investigate credit inquiries and that the inquiries are a fact of record. Well, what about all the credit information on my credit report? Does that mean none of the other information can't be disputed even if there is an error? I was under the impression that any information believed to be inaccurate can be disputed? I ask all this questions to the Equifax super visor and was only told that Equifax does not dispute credit inquiries. I was stunned to find out that the rules in the FCRA dont seem to apply to Equifax and that the company can set its own policies/rules for credit reporting. All this is very surprising to me coming from a company that had a data breach as recently as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid in XXXX {$62.00} for a credit repair services, then they gave me half off because I gave them a referral. Since XXXX, they did not do anything, they went ahead Send letters to only collectors on the XXXX XXXX credit report. That was early in XXXX XX/XX/XXXX or XX/XX/XXXX, I told him to withdraw the money by XXXX XXXX and that would be my due date there after. They sent letters to only the creditors on one credit reporting agency, XXXX XXXX, making it so this process would be about four months, instead of them Doing what they said they would do as soon as I paid my services, they would file an investigation with all three major reporting bureaus XXXX, XXXX, and XXXX. They only pulled one report, which is XXXX XXXX and they went off of that. They never bothered to file a consumer dispute on my behalf with XXXX, XXXX. They acted in bad faith making it so I would have to use their services for four months or so. Thats XXXX  I request all the money that was paid returned back to the same account that they charged. That would be XXXX plus XXXX. They should be ashamed of themselves charging {$130.00} a month to do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
In in XXXX of 2021 my car my wallet and basically everything XXXX own was stolen. My Bank of America prepaid card was charged several times that day for a number of different things depleting my current balance. I then proceeded to call Bank of America to have a claim filed. After receiving my new prepaid card, and successfully using it for two days it was abruptly closed. Bank of America representatives told me that EDD had frozen the new account while the investigation was underway, but upon speaking to EDD several days later as the call volume has been so high they surprisingly told me that they hadn't taken any actions against my account, and as far as they know nothing on their end was done. I desperately need access to these funds. Unemployment is my only source of real income at the moment, so this stoppage in my ability to use them has been crippling. Repeated articles have come out regarding the topic against Bank of America

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed multiple inquiries on my report I do not recognize

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 2021-02-05
Company: EQUIFAX, INC.
State: AZ
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:
The very same day I send a complaint to cfpb my score with equifax drops significantly! No explanation no alerts even though I do have a membership. How on earth does it make sense just so happen the same day my scores drops 69 points while all my other scores are rising. How is there a 123!!!!! Point difference in my other two scores. Please make it make sense Im so tired. Ive been barreling these mistakes from my past for years waiting, paying, crying. Nothing helps because of things like this. Is it even possible to recover Ive searched high and low on how to fix things I have 1 % credit card ratio, on time payments on 17 accounts continually reporting. Paid installment loans like where does it give where where where?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX was at a car dealership to purchase a vehicle for my daughter and initiated a loan for the vehicle with intention to pay loan in full upon the first statement being received. The original loan amount was {$16000.00} which apparently accrued interest even though I did not receive my first statement on/about XX/XX/XXXX. I called the institution, M & T on XX/XX/XXXX and spoke to a XXXX and then a Supervisor XXXX advising I would like to pay the original loan amount off and if the accrued interest on the loan by waived. I explained I didn't have an account number or phone number to call as the car dealership did not provide my with any information about paying the loan off in full. The Supervisor asked when I would be making payment on the original loan amount and I told her that day ( XX/XX/XXXX or XX/XX/XXXX ). I made payment for loan on XX/XX/XXXX, making two payments which was received by M & T Bank on XX/XX/XXXX. I went to M & T website on XX/XX/XXXX to see if my balance was XXXX and saw there was still a balance of {$99.00}. I called M & T Bank on XX/XX/XXXX and spoke to a XXXX  who told me that a decision on my original request back on XX/XX/XXXX couldn't be made because payment had not been received. She put in another request with their back office and advised I should call back on Friday, XX/XX/XXXX. I then spoke to a Supervisor XXXX who wasn't very helpful. He advised that I signed a contract acknowledging interest would accrue on the account and it was my obligation. I advised I made payment immediately after speaking with Supervisor back on XX/XX/XXXX and don't understand why I have to make a 2nd request to have any accrued interest waived. Supervisor XXXX told me interest will continue to accrue until payment is made even when I call back on Friday XX/XX/XXXX to find out if my request is approved or not. Considering we have been in a pandemic ( COVID19 ) for the last 2 1/2 months and most banks have drive up service only it is very hard to try to go into a branch and  speak to someone. Had I not gone online to check my balance I wouldn't have known my original request to have the accrued interest waived was not approved or decision couldn't be made because they claim payment had not been received ( which it was, 4 days after speaking to Supervisor on XX/XX/XXXX or XX/XX/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 2018-02-13
Company: Miller, Stark, Klein and Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Submitting a complaint against Miller Stark and Klein associates, because I think they are a scam. Out of the blue, within the last couple of months, this company started calling me almost on a daily basis. When I answered the call the first time they said that I had banked with XXXX XXXX about 7 years ago ( which is true ) but that I supposedly owed them over {$500.00} in overdraft fees on an old bank card, not even a credit card. They said that if I didnt pay that they would sue me and garnish my wages. I called XXXX XXXX and they said that I owed them no money. Miller guys called me again and so I asked them, who did XXXX XXXX sell this supposed debt to then? ( because I had no recollection of it at all ) They said they couldnt give me that information. This supposed debt has also never shown up anywhere on my credit report. Is this is a scam? Someone should really nail these guys. Im absolutely not paying this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Navient Solutions, LLC.
State: SC
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:
I have been paying on two student loans serviced through Navient and have had issues concerning payment processing. I have been informed recently from one Representative that I was pass due on a Navient loan sense XX/XX/XXXXfor {$110.00} but over paid on Navient Department of Education. I told the Rep that I have receipts to show that I have been paying and they needed to explain why payments were not posted. I continued to mail my payments in and made another call to speak with a different Rep XXXX on or about XX/XX/XXXX she pulled my account up and stated that I was pass due for {$360.00} I was frustrated because I didn't get a concrete answer from previous and then being told that I now owe a different amount. I have been paying these loans for at least 10 years and don't seem to have put a dent in the total but being told that I owe more is unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft. I have not supplied under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!

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 2020-08-28
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My husband XXXX a TN XXXX XXXX XXXX member ) passed away in XXXX. My widow benefits for XXXX XXXX were subsequently placed on a prepaid debit card rather than direct deposited into my bank account. This has since been corrected and my XXXX payment was received in my account but I have yet to receive the card for my XXXX payments. At the direction of the TCRS, I contacted the prepaid card XXXX on at least 5 occasions ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I've been told a replacement card has been ordered and I should receive tracking information via email and the card within a few days. The card never arrives. When I call back we go through the same steps over and over again. I'm a XXXX XXXX XXXX widow on a fixed income and these funds ( $ 470+ ) would certainly help cover my bills. I'm at a loss as to why they are failing to send the card after promising to do so multiple times. I've contacted TCRS as well and they've advised me to work with the card administrator since they do not control this! Please help. I feel like I'm being taken advantage of during this difficult time and don't know where to turn. Thank you in advance. The company name/website is XXXX and the number I call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}

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 2020-08-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This complaint is related to PayPal claim XXXX. I purchased an item from XXXX XXXX and did not receive the item. 

This purchase was for a XXXX vacuum and I did not receive this item. I obtained an email from XXXX which states that the item was not delivered to the address indicated in the shipping label.

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 2020-05-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX filed a complaint with PNC Bank that unauthorized checks were cashed by a XXXX XXXX ON DATES XXXX XXXX. A POLICE REPORT WAS FILED IN BOTH XXXX WHERE I LIVE AND IN GEORGIA WHERE MY SON XXXX XXXX XXXX LIVES. THE bANK REFUSED TO REFUND MONIES STATING WE WERE A FEW DAYS LATE NOTIFYING THEM. PRIOR TO THIS, I HAD XXXX XXXX XXXX ON XX/XX/XXXX XXXX '. FOLLOWING THAT XXXX  MY HOME WAS HIT BY A TRUCK AND WAS DETERMINED TO BE UNLIVABLE. FOR A YEAR, I LOST EVERYTHING AND HAD TO MOVE INTO TEMPORARY HOUSING TILL XXXX OF THE FOLLOWING YEAR AND SOMEHOW I DIDNT CATCH IMMEDIATELY. I HAVE ALL DOCUMENTATION.EVERYTHING. THIS YEAR IT OCCURED TO ME THAT MAYBE I SHOULDNT HAVE TAKEN THEIR ANSWER AS FINAL BUT IN ALL HONESTY I WAS PRETTY BEATEN DOWN AT THE TIME, I THINK PROVEN FRAUD SHOULD BE UNACCEPTABLE ESPECIALLY WHEN THE POLICE SOLVED THE CASE. I WANT MY MONEY BACK. IT'S THERE FAULT. THEY DID NOT PROTECT MY FUNDS ENTRUSTED TO THEM. ITS LIKE BEING ROBBED TWICE. CAN FORWARD DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX  XXXX  explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized Bank of America to obtain my credit file, but what I do know is Bank of America has broken the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and 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 2018-02-12
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: Account information incorrect

Complaint:
I had a card with XXXX XXXXXXXX XXXX XXXX  XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly 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 explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was not notified regarding my investigating results. It has been 60 days and it is now violating the FCRA.

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