BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account began in XXXX to XX/XX/XXXX. I closed the account because no need for it. But decided to reopen shy of 12 months. XXXX XXXX  I started using the account again. When opening the freestyle checking the CS did not activate my account online services. Mobile and Web site kept showing XXXX transactions and possibly currently 24hrs of transaction. I could never seem to keep the account current. I continued getting false balances on the accounts. Cause me to overdraft my account. Once I noticed this information the branch said give it few days to reset and call CS. CS said to speak with tech support. Tech support said to speak with Branch. Who ever is going to fix the glitch on my account and refund me my fees of {$620.00}. How are you to keep your account positive if given wrong balance information. Seeking for someone to resolve my issues and Corp to know how they XXXX the little people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I am currently serving in the XXXX XXXX XXXX, and the government travel credit card is issued for military/government service related duties only. 

Ive spoken to the bank about the ongoing pay issues involving pay delays to military that are do to government shut downs or just department of defense pay delays that are out of military service members hands. 

They want their money or they add late fees and the chain of command gets involved in negative manner on their card holder. 

Ive given the bank the information to call the pay roll which is military travel pay department whom pays the card directly and thru defense travel services which they will refuse to do so, and burden the service members to pay. 

This practice needs to stop

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 2020-05-08
Company: Global Lending Services LLC
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:
I received a letter in the mail from this company stating that I was denied for credit. I never applied for credit with this company. I mailed them requesting documentation proving that I did. The mail was returned. 

I disputed with the credit reporting agency and I received a letter from the company stating that it was in connection with an application for credit. I asked to receive that document with my original wet signature. I received nothing from them. This is against the credit reporting acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the repossession of the subject vehicle and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void

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 2020-10-09
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am so confused where Experian and XXXX  get this public information Chapter XXXX Bankruptcy XXXX XXXX XXXX The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.

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 2018-02-01
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: OH
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 w

as never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all three credit agencies. 

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 explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions 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:
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request”. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same “canned” response from Experian because they think no one will take legal action...The items in question are as follows:ACCOUNTS	XXXX/XXXX	****XXXX	XXXX	****XXXX	XXXX		****XXXX	XXXX XXXX XXXX XXXX	****XXXX	INQUIRIES	XXXX				XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX	XX/XX/XXXX	PUBLIC FILINGSXXXX XXXX XXXX XXXX XXXX/XXXX	XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXX		XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXXXX/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 non-monetary relief
Consumer complaint received 2019-07-05
Company: SUMMIT FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a fha loan to buy a house. The lender Summit Funding. They Advised that everything was set to close and was approved by the underwriter. After I was advised how much my down payment was. Took money out of my XXXX for this house. Got all transfer papers from employers. On the day of close they push it out until they spoke to my employer. Which was done. The broker with XXXX XXXX XXXX XXXX, Az. Advised they had all document approved and the date was set to meet with the title company. So I took the day off work to fly out and start my new journey this my new home. As a first time buyer. When I got to XXXX. The Lender said they could not accept the call hey made to XXXX XXXX. I even had to pay the appraisal fee and sign all Closing documents. It was not right. Please help, mind you Im a single parent and been with XXXX XXXX for over 7 years. I have not got my earnest money back from XXXX XXXX. All this and didn't approve me for this house. Summit Funding made me pay for appraisal fee to not to be approved to by in the amount of XXXX. Its not fair. Even gave up housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX, 2020, my US Bank credit card debt totaling {$11000.00} disappeared from my online banking dashboard. At the time I believed I had a payment plan in place when in fact I did not. I was never notified in writing through the mail or electronically as to this status. About a year later I found out about it through a credit check. I contacted US Bank Collections and scheduled a payment plan to which they were unwilling to provide me any documentation for. I needed that documentation to resolve this issue with another agency. The lack of transparency and communication is predatory and harmful to the consumer.

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 2018-01-26
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ive removed the same fraud alert almost seven times with all bearues now and experian continues to keep this on my profile even after me sending the requested documentation that was asked from me including my social security card and copy of my id ( state issued ) this issue still persist with no avail

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 2019-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.

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 2018-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a card with Care Credit. They informed me that it was six months of no interest. Now they just added a large amount on my balance. I called and they said that they added all of the past six month interest on the card. That's not the agreement that they gave me. This is not right

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