BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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: 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 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 explanation
Consumer complaint received 2021-05-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im in the process of purchasing a mortgage loan and I had a dispute remark on my Equifax credit. I needed the remark removed before I could proceed with purchasing the home. Last month in XXXX they was able to remove the remark the same day, but the remark would keep appearing after a week. The remark came back in the beginning of XXXX and I called Equifax to get the remark removed. They told me it could take up to 30 days but the previous month they was removing it the same day! I kept checking every day to see if the item was removed and the customer service reps kept telling me the item was removed. I specifically asked has the item been removed and if my loan provider run my credit will the remark not show. He stated yes its been removed and it will not show. My loan provider ran my credit report and the remark was still showing. This happened two other times this month with Equifax reps telling me the item has been removed. I kept asking to speak to a supervisor and they would hang the phone up in my face or tell me a supervisor isnt available. I spoke with one rep and he told me the previous reps didnt know exactly what they were doing and every time I called they started the dispute over and kept putting in the wrong code for the item to be removed. My item still has not been removed from 3 weeks ago and the seller has decided to take another offer on the house. I have been able to get this matter resolved with XXXX and XXXX immediately, but Equiifax is not being professional and dont have the necessary training. I am speaking to a lawyer about this matter because theyre ruining people livelihoods. I have names of the reps and the supervisor and confirmation numbers. ( Supervisor name ) XXXX XXXX and service rep XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: WV
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 is incorrect

Complaint:
RE : Experian Credit Reporting Agency on XX/XX/2019 my Experian Credit Report Score was XXXX. I was excited as my XXXX was now at XXXX and my XXXX at XXXX. I've been working on bringing my credit scores up as I'm interested in buying a home. 

Experian has been promoting this XXXX XXXX product that analyzes your bank account and claims to boost your credit for bills you pay on time. I have several. So, I was excited about the possibility of a boost from XXXX perhaps into the XXXX where my XXXX score is. 

On XXXX, I entered my bank info -- confident about the payments I make regularly and looked forward to the so called " XXXX. '' Well, I was outraged to see within seconds that the " XXXX  '' was an all out " bust! '' With no reason given! My score dropped XXXX pts, instantly! I perused the site for an explanation -- could find nothing. Called their customer service number an automated " beat around the bush '' that takes you absolutely nowhere! I immediately removed the attached " XXXX '' feature from my Experian account as it was a wholehearted nightmare! Thankfully, my other scores have stayed in tact. I have no derogatory information on my Experian credit records that show/explain this sudden drop. This XXXX  so bad. It's horrible that they would do this to customers who are being responsible about their credit. I want this resolved ASAP. It compromises my ability to secure the best rates on loans, etc. 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 explanation
Consumer complaint received 2020-05-10
Company: CITIBANK, N.A.
State: VA
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:
CIti Credit Card Dispute XXXX On XX/XX/2019 I contacted Citi Credit Card to dispute a charges on my credit card on XX/XX/2019. The transaction detail was " XXXX XXXX XXXX {$510.00} DEPART:XX/XX/XXXX XXXX  TO XXXX : XXXX : XXXX  : XXXX  : XXXX  ''. This was an unrecognized charges by me at the time of the dispute. I contacted XXXX to inquire about this charges, but they were not able to find any transaction with this information. Please see attached email correspondence to and from XXXX. 

On XX/XX/2019, I noticed another unauthorized charge to my account made on XX/XX/2019. This time there was another vendor associated with the transaction, XXXX I contacted XXXX and the agent stated the reason for this new charge was because I had disputed the previous charges with my credit card company made on XX/XX/2019, and it was for a plane ticket for my wife purchased on XX/XX/2019. 

This transaction was not an authorized charges because I did NOT receive any notification from XXXX XXXX about airline tickets been booked on XXXX XXXX. However, we did receive an email from the merchant to inform me that the airline was unable to confirm the reservation. No other contact with the merchant was made after this email notification. See attached for the email from XXXX. 
My wife was double booked in the same flight and nor XXXX or XXXX notified us of this tickets I was charged for on XX/XX/2019. The only way I was able to obtain any of this information was after my many phone calls with both XXXX XXXX and XXXX. 

I have been told by XXXX, that they are unable to assist with this issue and I will have to have it resolved it with XXXX. I have been told by XXXX, that they are also unable to assist with this issue and that I will have to take it back to XXXX. 

The Citi dispute department processed the dispute and fraudulent transaction and later was change to product not received. Since I disputed the charge on XX/XX/2019, I have contacted Citi by phone and email over twenty times and I get the same answer every single time " They are working on it '' in the mean time this charge is accruing interest and late payment fees. 
This transaction was for an airline tickets I was attempting to purchase but never receive the product ( booking confirmation ). 

1. XX/XX/2019 XXXX XXXX XXXX {$510.00} XXXX XXXX TO 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 monetary relief
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: VA
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:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: ID
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 a single delinquent account on my credit report through Equifax that is negatively affecting my credit. This account must be fraudulent as it has been removed and then reappeared a number of times through Equifax along with XXXX and XXXX. Currently the Equifax website reports that the " Online Dispute Feature '' is unavailable, and the account number shows " xxxx '' on the report, so there is no way to select the account through the phone service. The phone service will not let you speak to a human or provide another solution for disputing an account over the phone. It just hangs up on you after a while. Submitting my dispute through the mail is not a viable option for me at this time. For a company with so much financial power they are completely unfit and provide inadequate service for such an important part of modern society.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Information belongs to someone else

Complaint:
XXXX, TransUnion, and XXXX are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.

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 2021-05-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. I wrote multiple letters and online dispute to Equifax bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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:
XXXX has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.

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 2018-12-22
Company: Monterey Financial Services LLC
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 have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been receiving multiple calls every single day for months regarding my account and the debt I owe. I understand what I owe and have contacted the company before about my issues. Im extremely tired of getting these calls and having to block multiple numbers from different people harassing me about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 notice was sent to Online Information Services to cease and desist reporting a fraudulent account on my consumer profile. Since that date, they have continued to call and harass me as well as continue to report on my consumer profile. They have provided no contract between myself and their company. They have not provided any proof that I have cause their company financial harm or loss in anyway. This company is attempting to commit fraud and other people should know about their illegal and harmful business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 closed my account with Capital One Walmart card on XX/XX/XXXX. I had paid the balance off. On XX/XX/XXXX a charge was made for {$18.00}. I did not authorize this charge and was not aware of payment due. On top of that, Capital One charged me a late fee of {$18.00} plus an interest charge of XXXX cents. 

I dont consider this a fair business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
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:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr.CFPB I have been in conflict with Wells Fargo for the past 3 years. Due to bouts of unemployment and a divorce. I am now in arrears and default with my mortgage.To make matters worse. my mortgage payment was {$2800.00} monthly now somehow they have blown it up to {$3700.00} monthly with no clear explanation. There also have been several ( 6 ) attempts at a Trust Deed sale of my property. I have exhausted all my personal and 401k savings to keep them at bay. They have been very very unhelpful in modifying the terms of the loan ( particularly with the low rates now ) and to add insult to injury they are reporting late payments to the credit reporting agencies ( During the COVID-19 deferral period ) which is killing my XXXX score. Please! This is my home for the past 20 years. It would be tragic if I was unnecessarily stripped of this familial asset. It is the only thing that I would be able to pass on to my daughters and their children ... Thank you in advance for your attention to this urgent matter.

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 2019-09-12
Company: Servis One, Inc., Titusville, PA Branch
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took a interest only loan on my house for {$310000.00} agreeing to {$2500.00} per month. Three months into the loan it was sold to BSI Financial Services and there was no problems until XXXX, when I attempted to make my XXXX Payment the person I spoke with in customer service said " your loan in under a periodic review by the federal government '' because of this we are unable to take your payment at this time call back next week. After 3 weeks of this customer service finally said " just mail a check '' so I sent them a check for 2 months of payment, yes a paper check. The company sent me a statement XXXX for {$9000.00}. What I didn't realize till it was too late that the company was stalling in order to charge excessive fees, charges and anything else they can. They intentionally stalled me for a month saying it was the Federal Governments fault for auditing my account and therefore I have thousands of dollars in late fees. I have made several attempts to contact the company, results vary from them " graciously '' refunding 1 of the 17 or so different fees ( I can't sort them all out ) to them hanging up on me after 9-12 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Santander Consumer USA Holdings Inc.
State: TN
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 look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and Chrysler Cap XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Tower Loan of Mississippi, Inc.
State: AL
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:
Tower Loans has been reporting an alleged account on my credit file from the 3 credit bureaus as a charge off with a balance of {$2200.00} and the payment status on the account is showing as current. This is negatively affecting my credit. They have not provided me with an original contract with my signature nor the account reporting for this tradeline.

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 2019-09-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Signed the loan paperwork for new vehicle at Nissan of XXXX on XX/XX/19, was approved for a loan and at 6.9 % APR. While finishing up paperwork employee called me a " breeder ''. On XX/XX/19 dealer asked me to come in a get my copies and plates for car. Got there and was told my original approval was denied and they had to finance me with Nissan. Said I would not leave with car if I didn't sign new loan agreement. I also asked to see the denial letter from the first bank and have yet to receive it. I also asked if I could simply return the vehicle and was told yes but it would be a voluntary repo and would severely effect my credit score. I have asked to speak with their General manager several times and owner with no response. Dealership has not paid off the trade in either after almost a month of the sale/trade in. The finance department has been rude, nasty, and terrible customer service the whole time.

Company response to consumer: Closed with explanation