BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
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 called Experian and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me.

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 2021-07-05
Company: EQUIFAX, 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 called Equifax and spoke with so many people in the fraud department saying they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: FL
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:
didnt recognize these inquiries on my equifax report from car dealer when i didnt need a vehicle i tried resolving by call and dispute nothing happens they were several on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  please help me solve these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). 

On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. 

On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. 

On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. 

On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. 

I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express promised that they would give me an explanation on how they came to their interest total, and yet they did n't tell the truth and sent a letter that just explained they were correct and that I 'm supposed to look at the Cardmember Agreement. They actually stated to me that they 'd provide me with a detailed account on a daily basis as to how they got {$53.00}. This letter is exactly what I had asked them not to send. I 'm frustrated with this bank and they should be absolutely investigated for racketeering. Here 's the breakdown of my calculations. The cycle in question was between XX/XX/XXXX and  XX/XX/XXXX. The Purchase Balance is in a promotional state until late XX/XX/XXXX, so 0 % interest is applied until then, so that wo n't be listed. The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate. The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XX/XX/XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance. As of XX/XX/XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XX/XX/XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XX/XX/XXXX, the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}. So, you have ... Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2300.00} for 8 days Cash Advances Balance on XX/XX/XXXX : {$2200.00} for 1 day Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2400.00} for 2 days Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}. Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total  interest charge of {$53.00}. Their interest total was {$53.00}, a XXXX cent overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX  XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my XXXX with my Georgia address, the only address I've ever lived. 
Bank of America Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. 
My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX  PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

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 2018-02-16
Company: OLD NATIONAL BANCORP
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at approximately XXXX XXXX, on information and belief, I believe that XXXX XXXX XXXX and Old National Bank discriminated against me solely based on my race, color, sex, marital status, age, and other forbidden factors. I presented all the required documents, including both of my incomes. 
XXXX XXXX and Old National Bank refused to consider all of my income such as my XXXX XXXX employment. My credit score was extremely high. My new construction loan was complete. XXXX XXXX and Old National Bank held onto my loan application for 47 days and he also imposed different terms or conditions on the new construction mortgage loan than other Old National Bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since XXXX XXXX, just when the pandemic was about to start, i have been trying to get direct expreess bank attencion, someone use my debit card use more than XXXX dlls, and direct exprees have been not listen to me, the just treat me as I do not exist, when i have talk to them, they say we will call u today, or next week, finaly promesa to review, and updated me in 10 days, is over a monthr during the pandemic i wait over 40 min over and over they always hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed 4 accounts with transunion. All 4 accounts are from receiveable recovery in the amount of {$600.00}. I have reached out the collection agency as well as XXXX. I am concerned about the validity and accuracy of your recent investigation. I requested an investigation because I felt the item is not being reported legally, I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! The information is inaccurate. Under the laws of FDCPA I have contacted the collections agency and the original debt collector. The dates of the service are wrong. I have attached the dates that was sent to me by the original debt collector. Transunion fail to properly investigate the accounts on my report. They are negative affecting me.

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 2021-01-04
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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions 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:
1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

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 2017-08-06
Company: EQUIFAX, INC.
State: MS
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:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.

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 2020-08-27
Company: ARVEST BANK GROUP, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Arvest Central Mortgage Company from being originated with XXXX. XXXX booked and serviced the loan for approximately 3 years before selling to Arvest. Since I have no control over the servicer of the loan, I have no control over rejecting this change. The new servicer Arvest charges fees which were not originally disclosed to me when I agreed on my loan. Arvest charges a fee to make an online payment, a fee if a billpay is sent in from my bank ( since it will not have a payment coupon ), and the latest I've been made aware of, a fee for requesting a payoff letter. I am currently refinancing my loan to get away from this company and I'm hit with a {$15.00} fee for the payoff letter required. So, not only am I told I have to pay a fee to pay my loan unless I choose to setup autodraft I have to pay a fee for the mortgage company to get the payoff quote to pay off the loan. I explained to customer service autodraft is not an acceptable solution to avoid a payment fee. When an autodraft is set it will come out the first of every month but I may get paid on the XXXX of the month depending on how the weeks work out. If I wait to the autodraft then I would be paying 11 days of interest accrual in order to avoid the make a payment fee so that unfairly penalizes me in either situation ; this does not seem lawful in any way. Further, Arvest charged my account {$15.00} for the payoff letter but did not first have my permission. As I explained to Arvest, they should have called me and said, this information has been requested and we charge a {$15.00} fee to fax the request, do we have your permission? I would have said no, I will take the free alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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