BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
a person called me from XXXX said they want to lower my interest rates on all of my card i asked what company they represented they named many companies including XXXX, XXXX XXXX XXXX , visa, master card, XXXX XXXX and others. I was getting suspicious asked if they represented all of the companies they said that my name came from the experian credit reporting agency.

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 2022-08-05
Company: EQUIFAX, INC.
State: DC
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 XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Mobiloans, LLC
State: OK
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:
2015 credit for the amount XXXX online mobile loan. I dont recall on this loan at all.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12
Company: General Motors Financial Company, Inc.
State: TX
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:
My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Remove the Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Calvary Portfolio Services LLC contacted my mom XXXX XXXX XXXX XXXX and shared personal info about my debt, used robo calls sent to her phone ( that is on a do not call list ), and threatened a lawsuit against me to her if i didnt pay my debt. They also called my grandma ( XXXX XXXX XXXX and discussed my personal info and debt with her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX, i am submitting this complaint for myself, there is no 3rd party involved. On XX/XX/XXXX of 2021, i mailed a dispute letter to XXXX  Equifax and XXXX outlining their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: MS
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:
Not too long ago, i attempted to apply for a credit card and on XX/XX/2021 i was told that i have XXXX credit ( on equifax ) so i am unable to do so. This is not the first time i was told this. Over the years only my XXXX XXXX score will show up so it looks as if i have no credit. This has stopped me from acquiring a car, loan, home, etc. without a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2018-06-15
Company: EQUIFAX, INC.
State: GA
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 am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX XXXX refused to  respond to my requests, they caused a XXXX late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.

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 2020-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im trying to refinance my existing mortgage and Bank of America is saying to was late making a XXXX XXXX payment that I wasnt late on. They held my money telling me to make a partial payment because I had money from an overpayment that was going to be applied but never was applied and in result they held the money I was told to pay and never applied any fund to that month as I was told the were going to by banks loan representative on the phone.

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 2021-05-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 my credit score was XXXX Excellent. I had three derogatory items on the account at that time that I noticed were not mine. I filled a dispute on them. Two days later with Zero changes to my credit report my score dropped XXXX points to XXXX. 

I was told by Equifax that while the items were in dispute they are put on hold and that is calculated in the score. Which if that is the case at the very least my score stays the same or increased until the investigation if finished as they already reflected i a negative way on my current score of XXXX. 

I repeat nothing other than diputing three items has changed on my report since XX/XX/2021 but yet they took me from XXXX to XXXX overnight. 

It appears Equifax is penalizing me for filling a dispute on my report. 

There is no logical or ethical reason for my score to change as all my credit history is Exceptional with Zero balances. Hence the XXXX score prior to today. 

No one at Equifax can explain to me what has changed and or why they are penalizing my account. They state the three items are on hold and under investigation! 

XXXX XXXX says it from the on CLOSED Collection I disputed. But Equifax says is under dispute and nothing has changed on it. For one its Closed so at the very least it stays the same and at best they see it is not mine and remove it. Nothing can change as it is closed. It either stays on my report and my score stays the same XXXX or it comes off and my score goes up. One keeps my score the same the other increases. Not drop it XXXX points overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently downloaded the XXXX XXXX app because I want to get serious about getting my credit score up. That's when I saw the 2 items on my XXXX score.

1. Wakefeild and Associates opened XX/XX/2014 for {$940.00} and the original creditor was the XXXX XXXX.

2. Wakefeild and Associates opened XX/XX/XXXX for {$590.00} and the original creditor was also the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Fraudulent charges were made on my BarclayCard UberCard on XX/XX/XXXX and XX/XX/XXXX totaling {$900.00}. I only use this card for a few things never more than {$20.00} a month, no notification or alert from the card was sent. On XX/XX/XXXX I noticed the high credit card bill and called and reported the fraudulent charges and canceled the card. On XX/XX/XXXX I received notification by mail that the fraud investigation was complete and that I was not responsible for the charges. On XX/XX/XXXX Barclays debited my savings account the full amount including the fraudulent charges on XX/XX/XXXX they issued a credit to my credit card. On XX/XX/XXXX I noticed the {$920.00} removed from my savings account. My online account had been disabled. After 3 hours of waiting on hold they gave 6 different reasons about not being able to verify my identity or my account and transferring me to other people to verify who would then drop the call. The entire system is designed to take my money and provided no mechanism to complain or have it returned. I did not and have would never voluntarily give Barclays open ended interest free {$900.00} loan. I have no interest in exchanging actual money for credit. They refuse to refund the money and have wasted hours and hours of my time with a system designed to do exactly that.

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 2018-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked several times via fax, email and in writing for Equifax to remove a fraud alert off my credit report and update my address and basic information and they have refused. Its been over 6 months trying to fix this with them. Also, my account is locked and so is my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed the collection agency reporting negatively on my credit report. I reached out to them to verify the debt and once it was verified I was offered a settlement offer to remove all of the three bail bond accounts from my credit report. I informed the collection agency that I would have to forward the settlement offer to my attorneys to see if they can assist me financially with the debt because I am in litigation with the client of the bail bonds accounts. Unfortunately, my attorneys could not assist me with this debt. So, I reached out with an update to the collection agency and was offered a lower settlement offer to remove all three of the accounts from my credit report. However, there are two other cosigners on the bail bonds accounts who were not sought after and the settlement offer was not divided amongst three people. I feel that it is an unfair amount of money that the collection agency is expecting me to pay without seeking any payments from the other cosigners who will benefit off of me paying the settlement offer myself. I informed the collection agency that I am a single mother on welfare, a fixed income, unemployed, and just had an additional child, and that I was ordered not to work by my doctor. The settlement offer has a deadline to be paid by XX/XX/2021 and I can not afford to pay that due to my situation and the unfairness of the other cosigners not being held responsible to pay their portion of the debt as well.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
What happened is that I bought the debit card to make a {$100.00} donation online. I loaded the card at XXXX. It is card ending in XXXX. Expiration XX/XX/XXXX. I noticed that on the back of the card it states : * No credit check. Clear, Easy to use and Simple. Buy online.. XXXX  prepaid Crd Reloadable.

This card can not be used until purchased, loaded and activated. Flip open to see fees and more. I thought I would be able to donate online and not have any issues with this card because of the verbage of having no fees and no hidden fees.

I spent about 2 hours on the phone trying to decipher why my card was saying deficient funds to the Orginization that I was trying to donate to.

I found out that there were hidden fees involved. At first, I feared someone had stolen my {$1000.00} off the card! The Agent and her Supervisor explained that there are , {$2.00} fees every time I use the card. Then I was informed that I had to go to a Loading Station.

I was furious! I told the Supervisor to refund my {$100.00} to me in the mail. Then she said, there was another way she could help. This was at or about the 2 hour of continuous, precious, time I was spending on the phone, trying to resolve this issue.

I am requesting a {$100.00} check be sent to me. I want to shut this card down. I still don't understand all the associated fees with tthis card. I don't understand the requirements to not have fees assigned either.

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 2021-08-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the Huntington Bank XXXX Illinois location to withdraw cash from my checking account. I was told they dont have that large of an amount, {$8500.00} and teller insisted that I go to another branch or she will order it and have it available in a couple of days ; alternatively she suggested withdrawing less money, {$4000.00}, which I agreed to. I was asked for my state/government Id, which I provided a state of Illinois Id. Teller refused to accept As it had expired in XXXX. State of Illinois extended the expiration renewal date and is public record listed on the Secretary of State website. She refused it and proceeded to ask for another state or government Id. I provided a FOID issued by the state of Illinois, which after several minutes was returned as she claimed she did not know how to enter into their system. She then asked for another government id. I provided a global entry card, issued by the Department of Homeland Security. Teller told me she was unable to withdraw my funds since I dont have a valid drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of State has extended the is expiration but was only through XXXX. The branchs inability to keep up with public notices of identification extension, inability to accommodate for any other id aside from a drivers license, and in turn withholding of my funds when several identification means were provided is abuse of their role as a financial institution, it is unacceptable business practices and consumer discrimination.

Company response to consumer: Closed with explanation