BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: IA
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:
On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My attempts to correct some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. The following accounts are listed below 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 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

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 2023-05-14
Company: EQUIFAX, INC.
State: FL
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:
Sunday, XXXX XXXX, my name XXXX XXXX, I was looking into my credit through credit karma and when I did, Equifax did not have anything available because apparently I was reported as DECEASED. I am very much alive! I did try to reach out to Equifax through a couple phone numbers and a website provided but was unable to reach anyone. I don't know what to do at this point. I can provide any information to prove that I am alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a mortgage with Midland Mortgage. Three years ago ( XXXX ) my husband was on FMLA and we began getting behind, he got back to work and a garnishment ( we did not know about garnishment it was sent to XXXX and we live in XXXX ), we contacted Midland to ask for a loan modification or refinance. They suggested loan modification. We filled out all requested paperwork, application, and submitted all documentation. We were told 15-30 days we would know something. Every week or so, we would get a call or email stating they did not receive this documentation or that documentation, so we would send again. Then with in a week or so, another request for a piece of documentation they didn't get. This would go on until all documents previously submitted were out of date and we would have to start the application all over again. This has been going on since last part of XXXX. Last time they could not read a date, I spoke with someone in the foreclosure department and they stated they had all required documents ( XX/XX/XXXX ) and a decision would be made within two weeks. I just received an email stating all documents had expired! I believe this is the third time on one application that this has happened! 
We called on XX/XX/XXXX and were told they had all they needed and should be reaching a decision soon. On XX/XX/XXXX, I receive an email stating that all documents had expired! 
We continue to make payments and they are charging late fees and having us jump thru hoops! PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After receiving my credit report, I am not happy to see the below items to be incorrect and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.

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 2020-05-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment to TD Finance of {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. I then made another payment for {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. TD Finance recorded both payments as received in XXXX and no payment received in XXXX. I called and was told that because my payment came in before the XX/XX/XXXX cutoff date that they recorded the two payments as a double payment in XX/XX/XXXX and no payment in XX/XX/XXXX. They then listed my account as being in arrears. I contacted them once by phone at which time an operator named XXXX stated she could not change the information and would have a supervisor contact me. No supervisor contacted me for two days at which time I sent them an E-Mail describing the problem. A week later they sent a return E-Mail stating that they would not correct the problem due to a late payment by me. I again E-Mailed them stating that I had not made a late payment, I had made an EARLY payment. I find this to be ridiculous and only view this as a large Finance company seeking to take advantage of a responsible individual with a spotless credit history by increasing my payoff amount and negatively affecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, Transunion and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX ( XXXX ) XXXX/XXXX  XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( XXXX ) XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
recently learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally.

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 2021-01-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I attempted to open an account online with US Bank, which advertised a bonus for opening the account online. However, it gave an error. I thus went into a branch, and a representative conferred with another representative that the bonus would be able to be applied to my account even though it was not opened online due to the technical problem with U.S. Bank. Thus, a total of 2 representatives confirmed the bonus would apply. However, the bonus never came. The representative I worked with has supposedly appealed to the promotions department, and been denied. This is essentially a bait-and-switch because a promotion was promised that was not delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday XX/XX/XXXX I was able to use my Cashapp card for an amount of nearly {$30.00}. Yesterday XX/XX/XXXX I tried to use my card for a smaller purchase of {$1.00} and it was declined. Once I tried to move the remaining {$410.00} from my Cashapp to my checking account it told me That I had no Cashapp funds and the transfer was declined. I clearly gave the money there, what will happen to my account and the money in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have several cards with capital one and some of them I've had for over 8 years. Not once has capital one offered to lower my interest rates even though I usually pay my card on time and in full. 

Recently lost my job and went to business for myself flipping homes. As I was about to complete my project, the hard money lender I needed to use went out of business. I had no choice but to complete the work with credit cards. Just as the work was being completed, the Corina virus hit. I finished the work with my credit cards and put the house on the market but no activity thus far. 

Right now I can't even make my personal mortgage payments. 

I called capital one to try to get relief under the Cares Act 2020 but their representatives tell me they have no " offer '' for me. I didn't realise the banks get to choose to whom the offer relief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts. 
2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from Lyft does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

I have submitted complaints to your agency previously, but nothing is being done and my situation is getting worse as noted by items 2 and 3.

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 2021-10-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I worked hard to pay off all my student loans. But I applied for a mortage in the spring and is says on my credit report I'm 90 days late. I call Navient they say, oh no there is one more. I'm on an auto draft and there is no payment due because of covid. My account is in high standing. He promised to take off the 90 days late ( Since I am not late. ) and the draft would begin again when it was due. I just applied for a debt consolidation loan yesterday, 7 months later. Navient is still report 90 days late. No address for me to send to and no one clearing it up. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
60 days ago I reached out to XXXX, TransUnion and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Attempted to buy vehicle out of lease. Nissan Motor Acceptance provided incorrect information on payoff procedure. They informed us that payoff could be handled through their office, when in fact payout needed to be processed through a Nissan dealership. 

They instructed us to send them a payoff check. Three different  individuals provided three different payoff amounts before settling on a final payoff amount. We sent them a payoff check for the agreed amount, which they did not apply. When we called to inquire why they had not applied the check, they did not timely provide information as to why. 

We specifically asked if the delay would negatively affect our credit. They informed us that it would not affect our credit. However, without sending us notification, they instead reported us late to credit agencies. 

When we requested that they review our numerous good-faith contacts with them to settle the lease contract, and to review our good payment history, they refused to removed the late payments from their credit reporting. 

Nissan Motor Acceptance did not provide correct payoff amounts to settle our lease contract. Nissan Motor Acceptance failed to provide correct information or procedures to turn in its vehicle. Nissan Motor Acceptance failed to apply funds that they specifically requested from us, and failed to communicate that they had not applied the funds. Nissan Motor Acceptance incorrectly stated that the delay in processing our payoff would not affect our credit. Nissan Motor Acceptance erroneously  reported us late to credit agencies. Nissan Motor Acceptance refused to reasonably review our good-faith efforts to settle the lease contract and correct our credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Data and Contact Management Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCM services has not stopped contacting me, regarding my grandmothers debt that was owed. My grandmother left me everything in her Will and executor of her Will. She didnt have money, just a little house she worked her butt off to get. Now I own the house, and this company DCM services has not stopped bothering me and threatening to take my house that I inherited to pay a XXXX debt, which in my opinion is a write off. I have no other choice but to settle this debt myself. Which is not good for me, because my job was affected due to covid 19. Now Im finally back at work and DCM services wants XXXX cash upfront. I have children and a family. And if DCM services are within their rights and are lawful, then the laws are messed up. Why should I have to pay for a XXXX loan I never took out? Why is my house threatened to be foreclosed on? This is unfair and outright inhumane and evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
Hello Guys. I'm glad I was able to find you. Experian, XXXX, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

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