BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
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:
Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: SECURITY FINANCE CORP
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am severely XXXX XXXX ( XXXX XXXX   loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. 

i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX   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 explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-12-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I disputed a charge made by XXXX saying I had purchased a game that was shipped to an address in Texas. At first, the employees I spoke to tried to be helpful. I spoke to at least XXXX. In XXXX, I received a notice that they had documentation from the merchant & the {$160.00} was added back to my account. I immediately contacted Citibank & spoke to a man ( I wish I had written his name down ). He became very accusatory & said you didn't sign the letter & return it to us by XX/XX/XXXX, as you were instructed. I told him I never received the letter. He said you most certainly did, it's on your webpage. I said & I'm supposed to know this. He said yes. I did find the letter on my webpage. I signed & mailed it to Citibank, XXXX XXXX  XXXX, XXXX XXXX, SD XXXX. 
I phoned Citibank again & was bounced around & asked to call a different number. Finally, I reached a man who seemed to know what I was talking about. He said they had documentation from XXXX. The documentation showed my credit card number, my name was misspelled & an address of XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, where the game was delivered. I did not make this purchase & have no intention of paying. XXXX of the employees asked if I had grandchildren who XXXX have used my credit card. I do have grandchildren, but they live in XXXX & have no access to my credit card. The thing that bothers me the most is that I receive advertisements & solicitation from Citibank at least weekly in the mail & they couldn't mail the letter or send me an e-mail to tell me the letter was on my webpage. They have now sent me a bill & sent an e-mail to tell me where it was. They have charged me interest & have threatened to charge me a {$40.00} late charge. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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 am interested in processing disputes on my credit report to delete all inaccurate information that isnhurting my file with experian. looking over the report alot of data has been invalid and caused alot of denials due to mislead information. please review an delete all listed items asap to help clean my file.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-04-26
Company: Self Financial Inc.
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a XXXX account with XXXX XXXX after one year they closed my account for not being able to verify information on my account and freezed my funds. I just finished the term of my cd the payout process began and I started another account because they offered it to me even though they so called couldn't verify my identity. Now my funds our frozen they never called to ask for any documents or noting. I am a us citizen I have a valid state driver license and I bank account savings account from XXXX XXXX  with electronic deposit from my employer I don't understand what they can't verify I been paying on time from a valid XXXXXXXX XXXX account for a year and they refuse to let me speak to s supervisor and give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2021 XX/XX/2021 {$2.00} INTEREST CHARGE PURCHASE XX/XX/2021 XX/XX/2021 {$40.00} LATE PAYMENT CHARGE XX/XX/2021 XX/XX/2021 {$99.00} ANNUAL FEE destiny credit card company charged me all the above fees, i never used this card after last payment i requested to close the card and now it is messing is up my credit score and when i called to close my card and to clear my charges. the company is not helping out its really a big SCAM going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2021, I just received an email from Bank of America says that my balance is below {$25.00}, which is odd. Because I know I have more than {$25.00} in my bank account. After I logged into my account, I saw {$880000.00} hold there in both of my accounts, so I called BOA ( XXXX ), and their customer representative said my accounts have been closed, checking and saving accounts but i can still use my credit card, and she can't give me a reason because " they have rights to do so ''. No email, no text messages or phone calls, they just closed my account without informing me, and if i didn't call, I wont know that my account has been closed. And she said I will receive a cashier 's check within 7-10 days. But then I found that my credit card account has been cancelled as well, I made another call ( XXXX ), this time another customer representative said that I won't receive anything until the investigation is over, I then asked what investigation and she refused to tell me.

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 2023-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} & XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$86.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: HW Holding, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a lease with XXXX XXXX in XX/XX/XXXX for one year. But, in XX/XX/XXXX my father-in-law said he would help us with a downpayment for a house and we were approved for a new construction house with a move-in date of XX/XX/XXXX. Per Delaware Law, if you are going to move into a house with full ownership, you can break your lease with a written request as long as you give 60 DAYS notice. So, on XX/XX/XXXX I informed XXXX XXXX in writing that we would be vacating the apartment on XX/XX/XXXX. 
Written notice to break the lease was given with 68 Days notice!!! But, XXXX XXXX keeps insisting that I owe the rest of lease and the security deposit covered by XXXX. 
XXXX XXXX sold the debt to HunterWarfield collection company to collect for {$2800.00} for rest of lease and also sold the XXXX debt to HunterWarfield as well for {$750.00}. They totally disregarded my email request to early term the lease on XX/XX/XXXX. I do have a copy of that written notice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase Bank has contacted me 3 times every day from phone number XXXX for the past week in an attempt to collect debts after being told not to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Self Financial Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened the account and made payments and when came time to close the account the lender is not excepting my identity verification even thought I sent the verification 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I have a claim denied on Bank of America for the amount of {$120.00} due to fraud associated to my account. However I called to get more information as to why it was denied as they stated upon to exact information being wrote as to myself as if I did this transaction which I did not and this was around the holidays. Around each year around the holidays I always experienced fraud with them I never had a problem with denied claims as to now. Im in shock I am assuming someone close to me may have gotten to my info to do this transaction without my permission to this merchant. I would hate to close my account and move to a different bank due to this matter I have been with them for several years. But I do received a lot of fraud around the time of the holidays each year.

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 2019-01-11
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX and Experian responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if XXXX  should be shut down. They are extremely shady and dishonest. 

Experian refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my 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 2019-07-17
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage servicing recently ( last 60 days ) changed from OCWEN to PHH mortgage services. 

I have not received statement just that I need to make a payment warning letter for more than I am suppose to pay, when I try to make a payment on line it wont let me, also they initiated a payment with out my authorization from info from past servicor. 

I have been disconnected dozens of times, I can not get any one to help, and fear I will get a mortgage late on my credit. Less than a year on the remaining term, they hang up on me and are trying to force me to pay double or they will not take my payment. They will not address my concerns and will not send me a statement in the mail. 

Please help they are trying to force me to pay wrong amount or ding my credit, the system on line does not work, I have tried many times to pay, as I write this I have been on hold for 140 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Debt Recovery Solutions, LLC
State: GA
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: SANTANDER HOLDINGS USA, INC.
State: IN
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:
Hello Santander consumer finance, XXXX XXXX XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
didnt provide completeness, accuracy, statements, or contract of debt ... The debt collector also Has Fake address and phone number... i sent a letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX sent my letter back as undeliverable and the number ( XXXX ) XXXX they have for contact is not theirs!!! 
Furthermore the address po box XXXX XXXX  XXXX, XXXX XXXX is also a false address for mailing and they didnt provide a phone number for that address ... this debt collector company has false information to contact them to resolve my issues!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am a XXXX  mother and recent widow. I was on an affordable housing wait list in our community. In XXXX my credit was pulled Trans Union XXXX XXXX ( XXXX  ) and approved and we were put on the move in list. We packed our entire house and we were calling weekly for a move in Date. In XX/XX/XXXX I received an alert that my credit had been pulled again via Trans Union XXXX XXXX ( XXXX  ) and I also received an email the same day that we had now been moved into denied status with ( XXXX  Housing ) affordable housing. After reteaching and receiving a copy of my Tenant screening report, I saw that they showed 2 eviction filings under my name. One of which was not in the state I live in. I disputed with them and told them I have never had any evictions and I've only lived at my current address in XXXX Hawaii since XXXX. This is a terrible situation to be in because I have been taken off the waitlist for affordable housing and lost our unit. We had already given notice at our current property. We are at risk of XXXX. I expected the items to be removed after the dispute but I just heard back from trans union XXXX XXXX  that they show one as a dismissal in Hawaii and the one from Florida is still on my report. I don't know what to do because I cant get any information from a state XXXX miles away where I don't live. I believe my name could have been used and this could be identity theft ( fraud ). I have never had an eviction.

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 2023-03-21
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently filed a complaint against synchrony with you. The letter I received back stated the payment for XXXX will be back to XXXX and it was not. I was charged XXXX again. Im so frustrated. Please help get this corrected Thank you

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