BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: MO
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:
First, XXXX XXXX submitted a hard inquiry on my credit report for a mortgage pre-qualification. There was no offer of loan, and no loan was obtained. The pre-qualification was only going to be a soft inquiry, as confirmed by the bank when we spoke via phone. However, they incorrectly submitted a hard inquiry on my account ( through Equifax ). 

Second, XXXX XXXX XXXX XXXX was the lender we used for our home purchase. We authorized a hard inquiry on XX/XX/XXXX for the mortgage underwriting process. They were going to use a soft inquiry before closing to confirm no changes had taken place. However, Equifax shows a hard inquiry requested from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX insists they only requested a soft inquiry, XXXX XXXX ( credit check company ) confirmed on their end that only soft inquiries were provided on XX/XX/XXXX and XX/XX/XXXX. Equifax still reports them as hard inquiries. Equifax stated I needed a confirmation letter from the lender ( XXXX XXXX XXXX ) to confirm the credit pulls should only be soft inquiries. I obtained such letter and submitted it to Equifax with a formal complaint. Equifax denied the complaint stating the information on my report was accurate, despite me providing the exact evidence they themselves had instructed me to provide to them to resolve this dispute. And here we are! One mortgage loan, 4 hard inquiries on my credit. I have 3 companies ( Equifax, XXXX XXXX XXXX XXXX, and XXXX XXXX ) all pointing fingers at each other, but I am stuck outside the loop with these unauthorized inquiries that are having a negative impact on my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian is not giving me point toward my credit for lowering my utilization and paying my bills on time for the last 9 months. They are inaccurately reporting information on my FICO credit report.

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 2020-08-26
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called the XXXX number and followed the prompts to report potential fraud which instead sent me to the General Account Services ( GAS ) department ( later I found out this is in no way the fraud department ) ; this happened every time I called. They put me on hold multiple times to call someone internally in the fraud department who was in charge of investigating my suspicious charges and each time that person didnt answer. The GAS rep didnt give me this fraud investigators contact info bc apparently its against company policy and told me they were likely at lunch ( this was XXXX ) and to call back before XXXX. I did this and received the same response. I called BB & Ts XXXX number 3 times, each time a GAS rep then called the fraud investigator 3-5 times with no response. My local BB & T branch only allows appointment-only walk-ins however when I called them ( standing outside in the rain ) they told me their hands were tied, theres nothing they can do to unfreeze my account or replace the money that was stolen. 

My account has been frozen now for about a week and NOBODY from BB & T has reached out to me yet. Multiple bills have bounced totaling {$350.00} thus far and I have yet to find a way to rectify this BB & T issue. Im right out of medical school with > {$300000.00} in loans living paycheck to paycheck. How am I supposed to pay my loans, utility bills, and credit card? I work >100 hours per week with COVID patients, when am I supposed to find time to reach out to BB & T? I feel as though Ive already gone above and beyond the responsibilities of a consumer ... how long will they sit on this issue? Will it ever get fixed? Am I supposed to pay the {$350.00} in overdraft fees from my lenders?

This has been by far the worst customer service experience Ive ever had. After this is over with I will be closing my BB & T acct that Ive had for >30 years and moving on to another 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 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a collection company attempting to collect on an alleged debt a cease and desist letter because they appeared to be an illegitimate company that was not legally and lawfully authorized in my city, in my county, and my state to engage in debt collection. They did prove or  validate to me that they were authorized and licensed to engage in sending me communication regarding alleged debts, nor did they prove or validate the alleged debt to me. I sent them a letter demanding that they cease and desist communication with me on XX/XX/2020, via certified mail usps receipt. On XX/XX/2020 they mailed me 3 letters. 2 of them were essentially formulaic legal statements stating that  they were not going to adhere and follow my cease and desist letter, and the 3rd letter was a letter about demanding payment for an alleged debt. They violated my cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a Dispute with Experian regarding incorrect information from the creditor XXXX on my Credit Report. On XX/XX/XXXX XXXX illegally opened an account, and then reported the Debt included in or discharged through Bankruptcy Chapter XXXX. This Account was Not included in my Bankruptcy. Then on XXXX, XXXX XXXX placed a Collections Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly. 

On XX/XX/XXXX, through XX/XX/XXXX, I was shopping for a Car Loan, and had 8 total Hard Inquires during that 17 days timeline. Experian, currently listed all 8 Inquiries separately on my Credit Report, and does not allow for an Online Dispute to correct. As a result, my Credit Score currently lists 10 Inquires, which is significantly more damaging then the 3 it should reflect.

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 2018-02-21
Company: Experian Information Solutions Inc.
State: HI
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.

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 2021-01-21
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They continue to not correctly apply the extra principal payments correctly and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal. 

They dont have a clue as to what they are doing. 

1. Site non functional for months 2. Could not register 3. Then when could register it would take days to get a logon code 4. Then when was able to logon, could not connect the loan. The site kept saying data not found 5. Then when was able to link the account. When click the loan information button the site asks you to logon again in a loop. 

Now they still continue to not correctly apply the extra principal payments and they continue to use the incorrect dates which are both to their advantage. 

They keep applying the extra principal payments to the next months payment instead of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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: Investigation took more than 30 days

Complaint:
I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
OnXX/XX/2019, I tried to dispute with Transunion under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no  response or movement towards resolving the 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 2018-02-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments

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 2018-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX I received an alert that I have a " flagged Collection '' from XXXX XXXX XXXX on my Experian credit report, for XXXX. On the XX/XX/XXXX I made a complaint against this company for harassing me for a debt that I do not owe them. The " balance '' they are referring to for this particular account was with someone else and that company has been paid in FULL before this was reported to my credit report. I am sending this complaint to report that Experian has allowed this company to report FALSE and fraudulent charges to my report and has NOT validated this debt, because if they did hey 'd see that I do not owe it. They have placed this account on report in revenge of me disputing it with them in writing. This is the THIRD fraudulent account that Experian has allowed them to place on my report without VALIDATING. They allowed XXXX XXXX XXXX to place a debt on my account on XX/XX/XXXX for a debt that they have said was obtained in XX/XX/XXXX but have the remark listed " included in bankruptcy " well how is it that you have bankruptcy listed for me completed in XX/XX/XXXX but accepted a collection " included '' in that said bankruptcy dated a year later. How is that legal??? I want all these fraudulent accounts off of my report. I have contacted you multiples times regarding this company so I have no choice but to take it as far as possible that I am rightfully allowed to. I have attached some documents that this company sent to me which in BLACK & WHITE and proves I do not owe them ANYTHING, and the " debt '' they have me listed under belongs to another company dated from XX/XX/XXXX and 2. that they legally should not have been able to place ANYTHING on my credit report. 3. I have sent Experian certified letters requesting copies of documents used to VALIDATE this debt and they have YET to send me anything validating it or proof of any sort. They are just brushing this all under the wrong and its causing deformation of MY character. If Experian did have docements supporting this then it would have NEVER been placed on my report to begin with seeing as thisndebt was sold illegally AFTER discharged in that said bankruptcy. This is ridiculous.

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 2021-02-28
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 I filed 4 disputes with Equifax about fraudulent hard inquiries on my credit report. It has been 45 days and counting and Equifax has not responded to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted care credit directly to explain to them that I made an payment online. I found out that the payment was not accepted due to an website error. I then attempted to pay the payment in the amount of {$140.00} on XX/XX/2021. I was told that they wouldnt be able to help me remove the inaccurate information from my credit although the payment was made and it was not late do to any fault of my own. I also explained to them that my credit limit is {$3000.00} and not {$1600.00} that they reported to all three of my credit bureaus.

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 2018-09-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Made a payment of {$160.00} dollars to Navient by the payment due date and they sent me another statement for XX/XX/2018. 

Navient is overcharging me for my loan. I am very disappointed they told me two of my loans could not be eligible for lower payments, but I am in a hardship. I provided the representative with all of my financial information.

Navient is doing students wrong I have other student loans and there website says that they may be able to lower payments if there are other student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to. 
They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones. 
This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.

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 2020-05-12
Company: Mr. Cooper Group Inc.
State: AR
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:
XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, NATIONSTAR, XXXX, AND XXXX  SEE ( CASE NO.XXXX XXXX XXXX XXXX XXXX XXXX ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF THE WEST
State: CO
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:
Bank of the West # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against Bank of the West and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.

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