BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid 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:
i am XXXX XXXX and i was member with DISCOVER card company from XXXX to XXXX and i do remember calling discover people in XX/XX/XXXX and telling them to turn off my account after i made all rest of my payments. and after few months they starting sending me bills again when XXXX XXXX people were charging my {$100.00}, {$200.00} all the time like they probably charged me 10 times same amount when i closed my account with discover people and while i was never ever using my XXXX   so they were charging me without reason. then i called discover people and explained to them that it was not me but they never made any move they always use to say we'll look into this and then they will put interest on that and send new bill with more money then i got another bill which shows someone was using my card with thier XXXX XXXX because i called discover people again and told them this is not me either then they said someone using your card with XXXX XXXX nd with your mobile phone number on and i was so shocked at that time nd i requested then to close my account again but like always they never did and always put interest on my card and send more bill so this is been happening so i didn't make any payments because i wasn't using thier card so why would i make payments but then my credit score starting going really bad nd now i have to take some steps. i really need justice and your help please look into this. please and apple pay transaction is not me either it's hacked or something because this is just so insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert in regards to new hard inquiries on my credit report. I immediately reviewed my credit report and had to hard inquiries from XXXX. I contacted XXXX inquiring about the inquiries providing them my social security number and they could not provide me any validation in regards to why the inquiries were there and referred me to dispute with Equifax in which I did. I receive an email today, credit report number XXXX indicating the dispute was completed and the inquiries were valid. I called XXXX again and they are stating the same things that they did not pull my credit report. I am asking for the two inquiries to be immediately removed and if you still refuse to remove, I am asking Equifax to provide me with the way they disputed and who verified, because I contacted XXXX at the same information listed on my credit report and they are claiming they do not have any information matching my social etc and they did not pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Kikoff 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: Account information incorrect

Complaint:
On my XXXX report KIKOFF LENDING LLC, hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/2023 and Ive been trying to fix this problem for XXXX months now and its hindering my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX   XXXX not mine XXXX XXXX {$920.00} not mine XXXX XXXX {$1800.00} not mine

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 2023-02-12
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:
I have submitted a dispute about a fraudulent inquiry with Equifax. 

XX/XX/XXXXXXXX XXXX 2022 I submitted a dispute about a fraudulent inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I was told to submit a copy of the FTC report, copy of ID and Social Security card. I submitted these items and called on XX/XX/XXXX to get the results. I was told that they would be removed in 30 days. They were not. 

XX/XX/XXXX ( more than 30days since the dispute was submitted ) I called and was told that the inquiries would be removed in the next 72 hours. On XX/XX/XXXX XXXX inquiry was removed but XXXX XXXX XXXX XX/XX/2022 remained. 

XXXX XXXX called again and was told that I did not provide a cover letter when I submitted my dispute thats why one inquiry remained! I aksed exactly what coer letter they needed and was given instruction to address it to Equifax and outline the inquiry being disputed. 

During this time I submitted complaints to CFPB with all the documentation I sent to Equifax. 

XX/XX/XXXX I sent all the documentation requested with a cover letter. This letter was received by Equifax XX/XX/XXXX accoring to the Us Postal Service. 

XX/XX/XXXX I received a copy of my credit file dated XXXX XXXX ( confirmation # XXXX on this report the inquiry still remains. 

XX/XX/XXXX I called Equifax and asked for the fraud department and the lady says this is actually the fraud department so I ask for a supervisor from the fraud department. After XXXX minutes of waiting I spoke with a gentleman that states : We received your documents but the inquiry remains because your social security number isn't legible! 

To the human eye it is legible but maybe not to a computer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. 

Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. 

This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My Wife received a supena letter from their law firm for her to fill out my residency status at our home about this debt. 
I have made contact to the original creditor and stated the account is closed so not sure why they are contacting my wife on an account closed and I believe this is illegal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: TN
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 received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ad Astra Recovery Services Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. 

COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
my wife is took out a title loan one month before she went to bootcamp for XXXX we been paying it and interest rate is huge XX/XX/XXXX they repo an XXXX  service member car ( my wife ) without a court order we had no notice of repo and the lady XXXX at XXXX title max would not help we owed XXXX $ left on loan. 

technically titlemax  can not give loans to militay I wan na know if we can use SCRA or MLA benefits and go after titlemax  for the interest rate they gave us and the money we spent getting car out of impound

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number XXXX XXXXXXXX the XXXX XXXX XXXX  account number XXXX , XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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: Information belongs to someone else

Complaint:
Im an authorized user on this account but did not sign up for this on XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Chime Financial Inc
State: NC
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:
I filed a dispute against an unauthorized transaction : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$59.00} When the scammer found out the I filed a suit against them that the transaction was not authorized they sent me a shoe I did not order that doesnt fit of course and now I am out of {$59.00} .The supervisor I spoke to at XXXX was a XXXX. He yelled and was rude and threatened me with overdrafts and fees because he said, We are debiting that money and do not care what you have in your account. 


How are we as customers suppose to feel protected if Chime allows scammers to take our money? 

I just want to feel protected and not pay this scammer. I feel like I am being extorted, forced to pay for something I did XXXX XXXX XXXX XXXX go XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
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:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage blocked payments online and over the phone not allowing them essentially making my payment late. I was not notified about what to do. I contacted them via phone and was told the website would be working the next day and I could pay. Well the next day came and the account is still blocked. I tried paying over the phone which was blocked as well. They are also using predatory payments meaning they make money on the transaction. They charge transaction fees and are do not advertise how to make a payment for free. Fees start at XXXX dollars per payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I have a Bank of America Cash Rewards card. On XX/XX/2017 I used the Bank of America website to redeem enough award points to pay my bill in full. My next bill showed a late fee of {$25.00} even though my balance on the card was {$0.00} before the late fee. When I talked to Bank of America they stated the terms of the card are that you can not pay the full amount with reward points. In doing so you would occur a late fee even though the balance was {$0.00}. While this information may be in the small print I was able to pay the complete bill with rewards points on the Bank of America website without once receiving a warning that I would be charged a late fee.

After over 2 hours on the phone with Bank of America, where they initially denied my request to refund the late fee, they agreed to refund the fee but they said they could do nothing about the impact on my Credit Rating.

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 2021-05-19
Company: Data-Central, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received any notification at all for the alleged account that was placed on my credit report. I sent written request for information on such debt and was ignored. no information to substantiate any alleged account has been provided. not sure if t even exists.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-10
Company: EQUIFAX, 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:
my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: UT
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 contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX -- XXXX XXXX says he's the XXXX. He said they're registered with the state of SC, and that he works for Location Services. They threatened to send someone to my house. 

They call M-F. I answer the phone. I spoke to them yesterday!! 
Today they called and let the phone ring back to them without answering. I called back and asked why they were harassing me when I just spoke with them yesterday. 

XXXX said I was rude and I needed to be quiet while he spoke. He then asked me " if the Lord knew '' how rude I was. He said he didn't think " the Lord would approve '' of how I acted.

RELIGIOUS HARASSMENT IS A STEP TOO FAR AND SHOULD BE ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Ameritech Financial
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ameritech informed me my funds would be used toward my federal student loan balance. However, that wasn't the case. When I spoke to the student loan XXXX XXXX, they said none of the above happened.

Company response to consumer: Untimely response