BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
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: Investigation took more than 30 days

Complaint:
XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX Equifax, XXXX, and XXXX through letters I mailed to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to XXXX, equifax, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: WSFS FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with WSFS and I am set up with automatic withdrawal. In XXXX of 2020 they took 2 payments from my checking account. I contacted them immediately, they acknowledged the error but it took them 10 days to refund my money because they said they had to be sure it had cleared my account. It happened again with my XXXX payment, they took 2 payments. I called their customer service line and they told me that if I could send them a copy of my bank statement showing that it had cleared they could refund the money immediately. I sent that to them immediately yesterday and today received an email from them saying I had to call instead. I called and they said they couldn't anyone in the right department to help. I insisted on talking to a manager and after holding for over 10 minutes I had to hang up for a meeting. I still don't have the money back and I have provided them proof from my bank that it has cleared. I need my money back and more importantly they have not yet told me why this has happened 2 out of the 3 last payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
I've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Investigation took more than 30 days

Complaint:
I sent a lot of letters disputing every error that has my credit report, but the credit bureaus don't investigate about my case. I have negative accounts that should not be negative, inquiries I didn't authorized. I want all that away because is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: BARCLAYS BANK DELAWARE
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 sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and Barclays Bank Delaware.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.

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 2021-03-15
Company: DISCOVER BANK
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TN
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:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. 

Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CHECKredi of Kentucky, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Other websites show that the company has reduced the account to XXXX. When I tried to dispute the {$30.00} fee, they told me there was nothing they could do about it. This would be the first time in my life that a debt collector couldn't take care of the ACH fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
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 reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Experian XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/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 2020-11-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX bank XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized transaction from my account for {$150.00} back in XXXX of XXXX to XXXX and I submitted Chase Bank a signed declaration stating that it was fraudulent. However Chase Bank after refunding my funds took them back stating that because I was a customer of XXXX that the transaction was authorized. I contacted XXXX and informed them and we had several 3 way conversation with Chase Bank. In fact XX/XX/XXXX XXXX submitted a letter to Chase Bank informing them that the transaction was not credited to any account of mine and it was misapplied. Still with that letter and my sown signed statement Chase Bank has refused to recoup my funds and that has been going on since XX/XX/XXXX and the last communication I had was the resubmitting of the requested documentation XX/XX/XXXX and the last phone call when I was informed that the case was closed back in XXXX of XXXX in spite of the Banks request for more documentation. I have been told by both companies that there is nothing they can do about it each one is blaming the others and telling me their policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest. 
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, nothing.

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 2021-01-27
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:
In your response to complaint XXXX. You are still as usual sophisticated. And do not answer questions. I filed a complaint on XX/XX/20. To this day I have not received the answer. You're just ashamed to admit your mistake. And do not want your answer published. But I will make sure to publish it as soon as I receive it. Please respect the dispute immediately. And without any stories and legends. To the public. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Apple / Goldman Sachs has a security issue whereby the following : 1 ) Apple cards MUST ONLY be applied for with the use of an apple device 2 ) Apple DOES NOT prompt for the XXXX ID to use to register ( if using a company or other phone to apply for a card ) for the card in question 3 ) The card can not be re-assigned WITHOUT first de-activating the card and going through the approval process again which hurts the credit of the person opening/closing the account. 

Furthermore, the process stated above once the card is in fact stuck in a hijacked or taken over apple account that a user can no longer log into ( e.g : password change, email change, security question change, sim jacking, etc. ) the user is at the mercy of the crediting agency and can not change to a different ID or even recover the account. 

This causes multiple problems from a security standpoint and a credit protection standpoint. Additionally, there are NO online tools to protect or secure the account outside of the Apple ecosystem. So, if your phone or device without proper hardware is breached you are left in a state of suspense to secure or freeze the account. 

These practices are unfair to hard working Americans that large companies are taking advantage of and leveraging technology against them in order to impact ones credit with force closing and re-opening accounts. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CNG HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I NEVER GOT A LETTER ABOUT MY LOAN HOW MUCH I NEED TO PAY AND I GET A EMAIL Our Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Current Creditors Account # : XXXX Original Creditor : XXXX  , XXXX  Original Acct # XXXX Current Account Balance : {$760.00} AND I NEVER A LETTER BEFORE I DID THE LAST COMPLINT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I contacted the Credit Bureaus Transunion and XXXX  regarding a closed XXXX  XXXX XXXX XXXX and Student loan account that contained derogatory informaiont that was affecting my credit score substantially and requested them remove the account because of the inaccurate information. They did not remove the information and had more than 30 days to comply. Then i sent them a follow up letter of a demand to comply with no result. These accounts need to be removed under FCRA.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The account 's where removed but put back on by other creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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:
Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Lending Club Corp
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/19 I applied for a consolidation loan. I was told that there was 3 steps to complete I have downloaded all required documents. The last task as they call it was to do a verification call. I have tried several times to do this last task each time I am told to complete the instructions but not told what exactly these instructions are. I have tried to work with them but they refuse to help and complete the loan request.

Company response to consumer: Closed with explanation