BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After noticing a 64 point notice on my Equifax report, I attempted to contact Equifax for an explanation. After being sent in automated circles, then cut off from a live person by an automated survey, I was finally able to talk to a live person. However, this person could not explain the 64 point drop to me, and only gave me vague possibilities, which I easily deflected by facts in my credit history. This Equifax representative told me that no one at Equifax could explain the reason behind my credit score, and that it was not possible to make an in person appointment to have my score explained to me. Over the last two weeks, there have been three senseless changes to my Equifax credit score : A decrease of 56 points on XXXX/XXXX/2020, an increase of 56 points on XXXX/XXXX/2020, and a decrease of 64 points on XX/XX/2020. There have been no drastic changes in my managing of my finances, and no justification for these changes, especially the most recent change. Equifax has been extremely unhelpful, and in my opinion is deliberately manipulating my credit file. I need this to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a mortgage process with AmeriSave Mortgage Corporation and had my home appraised. AmeriSave failed to provide me with a copy of the Appraisal of the property which I paid for. Despite repeated attempts to obtain the document from their representative, I was ignored, strung-along, and ultimately had to abandon my effort. It is my understanding that AmeriSave is required to share a real estate appraisal with a home owner when they initiate a refinance process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
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 have been trying through XXXX  and Rushmore to have the delinquent status of the Rushmore removed from my credit report. I filed a dispute with XXXX  and supplied documentation from Rushmore of the payment accurately made and that Rushmore had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information XXXX  has and investigation of the dispute not handled and below is the email received on the XXXX  dispute Results Report Number : XXXX Date Generated : XX/XX/2020 RUSHMORE LOAN MGMT SER Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from Rushmore acknowledging ( which has been supplied directly to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attempted to contact the company to set up a payment plan. I get no response. I am currently in a financial crisis with a debt to income ratio of nearly 60 %. This lead to me falling behind on my previous payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1400.00} on XX/XX/2018 the funds are usually available in two days after checking my account Wednesday Wednesday XX/XX/2018 I realized that my funds were not available yet so I contacted the bank the bank told me there's a fraudulent hold on the check I spoke with supervisors who would not give me their ID numbers I spoke with fraud protection who will not give me their ID numbers I even spoke to the bank that the check was written out of I gave Santander Bank the numbers of my company the number of the bank that the check was drawn on and I'm still getting nowhere they got a hold on my check that doesn't need to be there my name is on the check it is my checking account it also says payroll check there's no need for a hold on this check it is XXXX time I can't buy gifts this was my layoff check I explained everything to Santander Bank and they don't care

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple fraudulent inquiries that I have disputed with original creditor that confirms that they should be removed. I have sent the same dispute to Trans union on multiple occasions and I was informed that they will not dispute then or remove them. Trans union reps informed me that I must contact the original creditor to have them removed, in which I have done so. The original Creditors informed me to dispute with trans union. I have requested validation from trans union on these inquiries on my credit report 4 times with no response or reply. the inquiries of question are for listed below : XXXX Dated XX/XX/XXXX XXXX XXXX XXXX BRANCH OF XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX For Dates ONLY XX/XX/XXXX & XX/XX/XXXX These accounts and Dates I did not do business with these organizations and/or authorize my credit file to be pulled.

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 2020-05-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX USAA STATEMENT note : all XXXX XXXX total {$470.00}. See attatched XX/XX/XXXX USAA STATEMENT XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total {$470.00} ARE *DUPLICATE TRANSACTIONS ON ACCOUNT ( 2 ) TWO TIMES. ONCE *XX/XX/XXXX AND ONCE XXXX XXXX TOTAL {$470.00} See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX THE REVIEW OF DUPLICATE TRANSACTIONS CONFIRMS * NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM. USAA posted Fraud Credits XX/XX/XXXX {$460.00} AND REVERSED THESE OLD FRAUD CREDITS XX/XX/XXXX & ALSO ON XX/XX/XXXX. LAW REQUIRES DUPLICATE TRANSACTIONS XX/XX/XXXX {$470.00} BE PAID AND INTREST. LAW REQUIRES WRITTEN FRAUD NOTIFICATION USAA DOES NOT PROVIDE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
COMPLAINT ALREADY SUBMITTED. # XXXX I NOW HAVE THE INFORMATION FROM MY XXXX LOAN DEPT  AT MY BANK PROOFING THAT TRANSUNION IS CONTINUALLY REPORTING INCORRECT INFORMATION REGARDING THIS MORTAGE LOAN. IF YOU NEED IT TO SETTLE THIS PLEASE LET ME KNOW THE NEXT STEP. IT HAS BEEN 13 DAYS NOW SINCE I FILED WITH YOU XX/XX/20. I UNDERSTAND THAT I SHOULD GET SOME KIND OF NOTIFICATION WITHIN 15 DAYS. THANK YOU AS YOU CAN SEE I AM PRETTY UPSET ABOUT THIS IRRESPONSIBLE REPORTING ON TRANSUNION 'S PART AND THEY ARE DOING NOTHING TO RESOLVE THIS. I HAVE DONE ALL THE LEG WORK FOR THEIR MISTAKES. AND IT'S MY CREDIT REPORT THAT IS SUFFERING. 
TRANSUNION MAKES IT ALMOST IMPOSSIBLE TO CONTACT THEM TO RESOLVE ANY ISSUE. I HAVE ALSO WRITTEN TO THE CEO OF TRANSUNION ABOUT THIS. 
NO RESPONSE XXXX XXXX XXXX. XXXX  XXXX XXXX IL. 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 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am continually getting emails from TD Bank saying that I opened an account with them. Now I have gotten notice that I have opened a debit Visa card with them. I have never opened any account with TD Bank and continually call them trying to get them to stop this. They say they will transfer me to the fraud department but I have been on hold for hours with their fake fraud department. No one ever answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Credit Card Company billed on XX/XX/XXXX a {$450.00} Membership Fee for the Periods of XX/XX/XXXX - XX/XX/XXXX ( 12 Months ). 

The Credit Card Account was cancelled on XX/XX/XXXX since The Customer was not satisfied with the Level of Service offered by The Credit Card after the Customer was a Good Customer since XXXX ( 17 years ). 

As of the date of Cancellation of the Credit Card Account only 5 of the 12 months of The Benefits offered by The Membership Fee had accrued. The Customer is seeking a reimbursement for the 7 months of Membership Dues which were not used since the benefits paid are no longer available to The Customer. 

The Customer is demanding a Re-Fund of the 7 months of Benfits that were not used ( XX/XX/XXXX - XX/XX/XXXX ) which accrues at {$37.00} per month for a total credit due of {$260.00} for the remaining 7 months. 

The Credit Card company does not want to issue this reimbursement and want to keep 7 months of unused benefits to their benefit.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: LA
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 have been trying through Experian and XXXX to have the delinquent status of the XXXX  removed from my credit report. I filed a dispute with Experian and supplied documentation from XXXX  of the payment accurately made and that XXXX had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information Experian has and investigation of the dispute not handled and below is the email received on the Experian dispute Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from XXXX acknowledging ( which has been supplied directly to Experian )

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 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2017 I've purchased an air tickets over the phone at XXXX, I agreed to pay {$730.00} for two tickets including taxes and other fees. A few hours later I find out that my card was charged for around {$1500.00}. Once I called this company in order to find out why is this happened with a truly believe its a mistake, they tried to convince me that this is full amount of the tickets, but if I would know this numbers at the very beginning I would never buy those tickets, so I said I want to cancel this purchase, they refuse to cancel this order ( but according to their own policy customers has rights to cancel the order in first 24hrs ). So the next phone call I've made was to my Capital One bank in order to dispute this charge. The money was returned to me, I've send all available documentation ( evidence ) to them ... THE END? NOOOOOO!!!!! it took them ( Capital One ) 6 month to investigate this situation during this period of time we had a conference calls with a XXXX Capital One and me, Bank sopped the dispute took the money back then reopened it again because I've rote them the official letter that I want to continue it .... 
Well after all the Bank took the money back because " I did not have evidence strong enough to return me my money '', but where am I suppose to get it from??? no one cared, my word was not enough as well as the word of my wife who was witness of the whole situation ... at the end I asked a Capital One manager, " so at the very beginning you guys knew I'm not going to win this case, and this disputing system is not going to help me, why did you wasted my time for 6 month with a fake hope i can return my money? '' the answer was : " we have to provide you an opportunity to file a dispute '' - even if you know I'm not going to win it? " yes '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
Hard inquries from XXXX XXXX need these taken off please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! 
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. 
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! 

Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. 
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!

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 2018-07-19
Company: Santander Consumer USA Holdings Inc.
State: MI
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 was a victim of the XXXX  inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received XXXX from a client {$510.00} is on hold, the client has confirmed on his side that he has received the service, that's why he paid me in the first place. I need the money released in time before my payments are due this Friday, I trusted PayPal and PayPal says I have to wait XXXX more days before I will receive tje rest of my funds. I'm really not asking for much here I just need XXXX thing in my life to go right for once please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. 
The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. 
They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. 
We can not have any disputes on her credit file per the mortgage lenders as well. 

Sincerely

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 DEPT OF ED 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 2020-10-20
Company: EQUIFAX, INC.
State: MD
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:
Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

Company response to consumer: Closed with explanation