BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/20 I attended a Wyndham Vacation sales presentation. The time shares were more than I could afford, but the sales representative used aggressive sales techniques. He managed to sell me a 2 yr program with XXXX travel points. It was still something I could not afford, but the representative advised me that they had 2 companies that could possibly finance the amount upfront ( didn't disclose it would be credit cards or that it would be hard inquiries on my credit ). The representative assured me that I would be able to make payments as low as {$30.00} or {$80.00} dollars depending on which finance company approved me. I was approved for both, but I was not disclosed that the APR for both approvals would be 20 %. A few days later California along with most of the country shut down due to Covid. I called the company back in XX/XX/XXXX requesting to cancel the program as I had not used ANY points and had been making payments. I was advised that there was no need for that, that the company would extend the time. I called the company again today, and they told me that the extension for unused points is only 6 months. There is still traveling restrictions and its not safe to travel. I have been paying for the last year. I do not want a refund. I simply want to cancel this charge, I have not used any benefits, and the APR is too high. I truly believe that this service/ product was sold to me under pressure, and I was deceived by the actual amounts I would be paying. Not only were deceptive, and unfair techniques used at the time of sale, but it is abusive to the customer to refuse to cancel a product that can not be used in the near foreseeable future. I have a contract showing the APR I was told I would pay, notes from the sales man on how much my payments would be. I have tried reaching to both the merchant and the credit card company in regards to this. I filed a complaint with the merchant and I was told there was nothing they can do. I have tried contacting the credit card company, but each time I try to press an option to file a dispute the calls disconnects after an automated message states that my request can not be processed and I am unable to speak with anyone at the moment. Trying to pay a XXXX debt for something I can not use seems extremely unfair, after 1 yr of on-time payments, I still have a remaining balance of 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 2021-03-28
Company: CITIBANK, N.A.
State: NJ
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 been victim of identity theft and charge for transactions that I didnt made

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 2020-11-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Both customer reps from the 3 credit bureaus XXXX XXXX and Experian as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

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 2020-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently did a dispute through equifax and asked for a specific proof on an account they investigated it but no one had what I asked for according to the fcra guidelines they have to show it I asked for the original signed contract for the credit application and for the copies of all the cashed checks used to pay the account I recorded them today XX/XX/2020 saying they dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Both customer reps from the 3 credit bureaus XXXX, Transunion and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

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 2021-03-28
Company: EQUIFAX, INC.
State: SC
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 hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: NJ
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:
Equifax Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: MECHANICS BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Before I filed bankruptcy in XXXX, I called Rabobank ( name at the time ) now has changed to Mechanics Bank accounts department, to let them know I was filing bankruptcy. At the time I had a credit line overdraft on my checking account which I owed around {$500.00}, never paid late always on time. I asked them what was going to happen with the credit line would I loose it with filing bankruptcy they indicated that I wouldnt loose because it was a part of my checking account. I then never added it to my bankruptcy which discharged in XXXX. I had no problem after paying on overdraft and it still remained open then in XXXX I got a letter in mail from Rabobank at the time telling me they closed my overdraft and said it is a account added it to right then in XXXX to my bankruptcy. I went in to bank and called several times talking to managers and account specialists trying for them to tell me how they can add my overdraft account to a already XXXX discharged bankruptcy for which was not a added account to it and they couldnt give me any answer. Then I asked for them If I could apply for another overdraft Account and told me they couldnt and the old overdraft that still had a balance on for which I was still paying down at the time payments couldnt be reversed, 4 years Ive been dealing with this and now still in XX/XX/XXXX it shows it was a late payment which I was never late and a hard inquiry for some reason. Please if you can figure this one out on how a bank can add my overdraft account to a already discharged bankruptcy after the fact and I didnt add this account to it at time of filing is my question?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Security National Automotive Acceptance
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  SNAAC tradeline was deleted from credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was notified in XXXX that Capitol One would be taking over my account with XXXX XXXX. I dont like Capitol One. On XX/XX/XXXX XXXX took out their automatic payment of 82 dollars. That left a balance of {$2500.00}. I went to my bank in the XXXX and had them payoff the balance in full. That was sent right out by the XXXX and the account was closed. Everything was on time and in the correct billing cycle. This week I received a bill from Capitol One for {$88.00} due XX/XX/XXXX. I calmed them and they said interest is still accruing and I owe them {$61.00}. I told them I closed the account they said no I could not close the account and even though there are no purchases interest is still accruing and I cant close the account. What?? I owe them nothing. Account was paid in full and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

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 2020-09-03
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:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I represent my client as her POA. My client received her house in her divorce agreement from her ex husband in 2011. As per the court documents and order, the property tax, title, and town records have all transferred to her name. The mortgage was in the ex 's name, and she did a loan modification 5 years ago. She couldn't refinance as her credit score was poor at the time due to the divorce. During that loan modification, the bank did not list, or take any information from the ex husband. It was supposed to be " Assumed '' by her. When my client received her first payment request, she noticed the ex 's name was on the payment request. She immediately contacted them, and they said it will be corrected within the next 30 days. My client continued to pay her mortgage, and has never missed a payment in 5 years. 5-years later it was sold to another bank, and now serviced by SPS ( aka SP Servicing ). We contacted SPS, they said this was a simple process, and we just need to complete a form, which happens to be a new loan modification. We spent hours on the application, spoke with XXXX, XXXX, and XXXX at ext XXXX, provided all the documents, and we were told to wait. When we called back a few days later, we were told under no uncertain terms, we are not allow to have a current owner " Assume '' the loan if the she is one of the original owners. 

All we want is the Ex off the paperwork. 

We tried to contact the owner of the loan, but were told it was XXXX XXXX, and then a trust, and then XXXX XXXX, but they will not address anything, only the servicer. 

My client can't refinance, which is another option, as her credit score is not good due to the loan modification being on the credit report 5 years ago. 

We are looking for help. Maybe it is as simple as having SPS allowing my client to 100 % assume the loan from her ex. Maybe SPS should have done their due diligence to check that the proper owner is on the mortgages they took over from previous servicer. Maybe someone can tell us who actually owns this loan. 

We look forward to your positive response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: BARCLAYS BANK DELAWARE
State: NC
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 closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement. 

Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges. 

XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made. 

XXXX. I received another statement with more fees and interest but still no detail regarding the charges! 

XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service! 

XXXX. I sent letter disputing the fraudulent charge and the continued fees. 

XXXX. Received a letter saying they are investigating. 

XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting! 

XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever. 

XXXX. I received another denial letter which I returned telling them I'm filing this complaint. 

It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?

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 2021-01-21
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi, my prepaid debit card through card.com got hacked. Somebody managed to withdraw cash at XXXX transactions on XX/XX/XXXX for - {$100.00} and - {$43.00}. I called and filed a dispute through card.com which they declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
XXXX, EQUIFAX XXXX  XXXX HAS INFOMATION ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO REMOVE AND DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over 10 inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.

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 2021-05-19
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation