BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: AR
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 to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: Automatic Data Processing, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I COMPLAINED to Adp. XXXX  NXXXX & XXXX XXXX TODAY ABOUT TAXES DEDUCTIONS.  THEY REFUSE TO HONOR WHAT I REQUESTED ON W2. THEY CAN CARELESS  XXXX XXXX XXXX. PLEASE HAVE SOMEONE TO LOOK INTO THIS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As a follow up to complaint # XXXX-XXXX. My case was assigned to XXXX XXXX of the Executive Offices. He is by far the most condescending, and belittling individual I have come across in my entire adult life. He continued to talk down to me, and imply that I was not smart, and that I do not understand the Mortgage process. He kept saying that we need to " agree to disagree. '' When I refused to agree to any of it. He stated the same thing that I had stated when I filled the complaint. which is that the taxes were appraised at XXXX, when the appraised value was XXXX. He doesn't seem to understand that homeowners pay taxes on the appraised value. The same appraisal that Huntington conducted. My question remains, why were the taxes not assessed on the appraised value. He didn't have a response. Asked me to go to my tax department. um, what are they going to do? they are going to tax me on the appraised value that Huntington reported. I am quite versed on Mortgage originations and collections. These are all predatory practices that were used to make the home affordable at closing. Had I known that the taxes were beyond my budget, I would not have closed on the mortgage.

On a final note, Huntington needs to re-evaluate the staff they have on their Executive Response team. Not sure if he though that he could treat me like a 3rd grade individual because I have an accent. May be he is racists towards foreign accents? But the response received is not fitting to represent the Office of the President. When I asked to escalate above him, so that I could complain about his condescending attitude towards me. He stated " we will agree to disagree, this is your responsibility '' and then proceeded to hang up on me. This is completely unacceptable, and a true indication of where Huntington stands with their predatory practices. this report will be taken to the news. XXXX 's full name and phone number of XXXX will be disclosed to them. I require an immediate rectification, and apology for the insulting behavior that I was subjected to. It is mortifying, that after all that we went through with the Mortgage crisis, we are still subjected to individuals such as XXXX XXXX, who essentially represent the President of Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from Capital One. I called Capital One to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. 

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
Good evening, This keeps on happening. I settled a charged-off account with XXXX XXXX on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my Equifax report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with XXXX XXXX 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: ADP Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I started with my company on XX/XX/2022 and prior to starting I provided valid and correct direct deposit information. After the first pay period closed I was informed that my Direct Deposit information had changed I was later told by a member of the payroll team at my company that somehow XXXX couldn't verify my direct deposit which is a XXXX XXXX XXXXThey then opened a " WISELY '' payroll card account in my name and deposited my check to that account. They are now actively refusing to work with my employer to close out the unauthorized account or return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$460.00} ), DEPT OF EDXXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3700.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$950.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$970.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$17000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), DEPT OF ED/XXXX ( Opened XX/XX/XXXX, Highest Balance {$500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$20000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$15000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7500.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7700.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Portfolio recovery associate is suing me for a debt of XXXX I never had a credit limit over XXXX $ on this account an was paid I don't understand why I am being sued over this. I had less then 30 days from when I was served to a court day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a loan with lobel finance, they tried to repo the csr in XXXX after I made XXXX payment on XXXX, they send the repo and he violated my right lifted the car and damage it, I call the cops I call the bank to make payment and they refuse to take it thinking the repo going to take the car, police make the repo drop of the car, for 3 month after and my car is damaged and I tell the finance company they refuse to give me repo company info and they claim no responsibility, I requested for loan to be paused original loan amount is XXXX after 7 payments of XXXX and 1 payment of XXXX my pay off is at XXXX they refused to talk and the car is totaled they kept charging me while ignoring me, refused to pay me gap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!

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 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX XXXX I have sent to MIDLAND CREDIT MANAGEMENT , INC, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT , INC must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and found many errors with 1 collection and many hard inquiries that I dispute on XX/XX/28. I got an email back from equifax stating it was correct without them doing an investigation they literally did not take the time to look into it they clicked denied info correct without proof of my signature or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: Comerica
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed a fraudulent charge on my Direct Express debit card last week on XX/XX/XXXX for {$4.00}. That card is where my Social Security payment is deposited each month. The store where the charge was made is one I knew I hadn't visited in about 6 months & my debit card has NEVER been out of my possession. So I knew it was fraudulent. I called the customer service number on the back of my Direct Express debit card & stayed on hold for way over an hour but finally got through & reported the charge. I asked whether the card should be canceled & was told that since the fraudulent charge was still pendingI needed to wait until it went through. A few days later, after this month 's SS payment was deposited on the XXXX, I got a low balance alert from Direct Express on the same day & discovered that someone had charged {$860.00} to my card in XXXX, AL, which is about 4 hours from where I live. The charge was made at a XXXX XXXX store. I was at the doctor 's office getting tests but within an hour was back home & began calling to report the fraudulent charge. I stayed on hold over & over again, only to get a recording saying they were experiencing heavy call volume & disconnected. Finally after almost two hours of calling & being on hold, I managed to reach customer service & reported the fraud. The rep canceled my card & I paid {$13.00} for expedited shipping of a new one. This was on Tuesday XX/XX/XXXX. I received the card today, Thursday XX/XX/XXXX & stayed on hold almost 90 minutes to get it activated. That agent told me to hold while he transferred me to " Level Two '' and I was on hold for an additional hour and 10 minutes. When I finally reached customer service, that person was incredibly rude, basically accused me of misusing the card myself and told me they would " try '' to get my money back but it would take 45 days. I was so upset I was having XXXX XXXX. I thought I had protection against fraud & that my money would be at least provisionally added back to my card while they investigated. But no. I am appalled that the SSA is using this shady outfit & recommending it to seniors like me who mostly live on a fixed income. This is a disaster for me. I've had some unexpected medical & other expenses recently & have literally no money now to pay my bills this month or even buy food. When I XXXX  the Direct Express card, I found dozens of horror stories identical to mine, of people being on hold for hours & hours, disconnected due to heavy call volume, unable to recover the money fraudulently charged to their debit card ... many people reported never getting their funds back at all. How are they getting away with this? I learned through XXXX that there is or has been a Class Action suit against Direct Express because of these incredible practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NY
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:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$45000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: TN
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 have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 response to consumer: Closed with explanation