BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, XX/XX/2022, I woke to find my credit points has dropped XXXX points in one day ; and no reason for my score to drop such an invasive amount at one time. As you will see from the attachments, there were three factors that changes, two small decreases in two accounts I made payments to, and one small new account was added.

You will also see where I have all of my accounts with exceptional 100 % payments- with the exception of 2 accounts almost 6 and 8 years ago in collections that I have been disputing for sometime and equifax still continues to not provide me signed proof that those accounts are mine. 

When I called to dispute the XXXX drop in points that I noticed yesterday with no reason at all for over XXXX points to drop off someones score in one day!, I spoke with equifax staff today and they said this was a coding problem that called this huge error! 

Furthermore they would not let me make a complaint or dispute this credit point drop or make any formal record about it. 

Its going on two days now and I am being embarrassed and damaged, and i still cant get my credit score when I log in to the equifax XXXX, it says its unable to show my credit score/ error and has been like that for weeks. I tried to report that today and they would not make a dispute or record complaint. 

I demand that my credit points be given back to me and to fix the low scores I have been getting from equifax over the past 6 months contradictory to what the other XXXX credit agencies have been reporting! 

You will see the exceptional record of payments, history, age of accounts, XXXX in the past six months over XXXX payments I have made not one late and my score is almost XXXX with equifax right now. 

This is out of Control! 

I want my credit file cleaned up and explained why equifax is not investigating my disputes as to this day equifax has not shown me one document whatsoever validating or the verification of the disputed collections still on my report, not one document bearing my signature to validate any agreement, application for credit, nothing! 

Nobody is taking this serious! 

If equifax does not fix this once this all Once and for all I am contacting XXXX and XXXX XXXX and pursuing class action lawsuit! 

Fix my equifax I demand to be not embarrassed anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2019 I purchased a membership with XXXX XXXX XXXX. This is a membership which cost {$140.00}. Membership includes a {$10000.00} line of credit/trade line with a yearly fee of {$99.00} which will be reporting to all 3 bureaus monthly. I purchased this membership and the company failed to report to the credit bureaus as stated in the membership package. I called this company and was told to give it at least 45 days to report to the bureaus. I waited XXXX and XXXX and finally asked for a refund and the company responded With Your account is now activated but it still never reported to the bureaus. So I didnt receive the services they claimed to render. The purpose of the purchase was to reduce my utilization on my credit report. This line of credit never reached my credit report and I found out that this company was reporting to the bureaus but was shutdown by the bureaus due to underwriting issues. They asked everyone to be patient and they will fix the problem. They stopped responding to everyone emails and they blocked the phone number from calling them. They also changed the website from stating reporting to all credit bureaus but I have a screenshot of the old webpage which states otherwise. The membership fee is not the issue with me, the service that this company says it provides that comes with this membership was not rendered. Therefore, I demand my refund. I was paying for a {$10000.00} line of credit which reports to all three bureaus and my services were not rendered. Therefore, I need a refund. I disputed it with my bank Wells Fargo and they claimed they lost the dispute because i signed a contract and I explained the problem was not with the contract, it was with the services it claimed to provide and it failed to uphold its end of the contract. Therefore, I didnt received what I paid for.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 requested Experian and XXXX to remove wrong information, but the problem has not been solved.

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 2023-11-19
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A PayPal credit card was opening in my name : account # XXXXXXXX XXXX XXXXXXXX XXXX. Everything was correct for my info except them using my maiden name ( XXXX ) instead of XXXX. They used an email address that isn't mine either XXXX They charged XXXX in fees as well.

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 2021-02-15
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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: Information belongs to someone else

Complaint:
Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Resurgent Capital Services L.P.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: MS
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was 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 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a checking, savings and auto loan in my name at Bank of America

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They made me send hundreds of dollars for fees I knew nothing about. Each time telling me it would be the last payment and I would receive my loan. Which never happened. An additional fee popped up every time. And they wanted more money. Almost more money than the loan itself. I have asked for a refund of all the money I sent because I got fired of additional fees popping up. Ive received nothing. They stated I would receive my money via check. I never got it. Called and asked about it they ask for my address as if they were sending it now when it should have been sent. They did this twice. They stop answering my calls. All I want is my refund of the money I sent. It has been about 2 months..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: American Credit Acceptance, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Just got credit report cleared. Company has filed another delinquent in XX/XX/23. Car has been paid off for over a year. They just cleared the last delinquent and they have filed another. Fixing to seek legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America granted a home equity loan on my property on XX/XX/XXXX with an appraisal and full underwriting requirements met. In XX/XX/XXXXthey notified me that the account would be blocked and they would only accept principal payments and interest. They would not re-advance any funds to the original loan amount. I had paid over {$8000.00} additional principal by XX/XX/XXXX ( I have paid and additional {$16000.00} since then ) and none of this I could use if ever I needed it. I was told I could get it re-instated if I provided comparable sales information to refute their claim of a value drop of 44 % in one year three months. Insurance, city assessed value, first mortgage holder, all have increased value or stayed the same. Now BOA say I can only be re-instated if I go through the entire underwriting process and have my rate increased. 
I went to another bank to replace the BOA Equity line and they agreed to loan it to me. My problem is that Bank of America says that because they had it in their original agreement with me that they want {$450.00} penalty to allow me to pay it off in total. I was never late on this or in any dealings with BOA, I have savings with them but even though they will not fulfill their obligation under the loan terms they expect me to have to pay a penalty. I think they should either waive the penalty or live up to the terms of the original loan. I have sent a letter to their executive relations department in North Carolina requesting this solution and I await their response. I spent over three hours with 6 of their customer service department, only to be told that nothing can be done because it's " policy of the bank ''.

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 2020-10-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was out of work with no pay because of the pandemic and I decided to take advantage of zero percent interest rate balance transfer with three percent transfer fee checks received from my USBank credit card to be on time with all my mortgages and other payments. All the transfer was made to my account by XX/XX/2020 and I started my payments through my bill pay from my checking account on XX/XX/2020. Because a problem on my bill pay service, the credit card did not receive my second payment on XX/XX/2020. An agent called me to request a payment on XX/XX/2020 and a 2 month payment was made XXXX for XXXX and XX/XX/2020 ). On XX/XX/2020, I called USBank to discuss my options, because I knew I would loose my interest rate if I was late with my payment. The agent that I talked to said they could keep my zero per cent balance transfer interest because It was the first time I was late and everything was fine. I made sure that I would keep the low interest rate and he said he was sure about it ... I kept my regular payments that was scheduled through my pay bill from my checking account ... OnXX/XX/2020 I got a call from USBank saying that I was late with my payment again requesting a payment. I did not understand what was going on, because my payments were been sent by my bank every month. This time I found out that I lost my interest rate that went to around 30 percent a year. I took loans and found a way to pay all my balance. Today I decided to review my account and realized that when I made the call on XX/XX/XXXX, they did not keep the zero percent interest rate as the agent confirmed. I called USBank and asked the agent to review my account and explained all the situation. The agent found my call on XX/XX/2020 and said she could not find what was decided that day. I was transferred to a manager and she said she found my call on XX/XX/XXXX, but that there was nothing that they can do and I had to pay all those fees and interest charged. I paid a total of U {$2400.00} plus the interest that I had to pay taking loans from other credit cards to pay the full balance with USBank.

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