BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: EQUIFAX, INC.
State: GA
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:
I have contacted Equifax multiple times and made them aware that I am not able to get my credit report and credit score and this is important to me because I have been a victim of identity theft and I have been suffering the consequences of it for many years. I have contacted Equifax a total of 43 times over the past year and trying to sign up for their credit monitoring service so I could see my credit report on a daily basis, and so that I could monitor the fraudulent activity on my credit file, but I have not been assisted. What happens is that you are transferred about 15 times during you call until you finally ask to speak to a supervisor, and then you are told that Equifax is blocking you from monitoring your credit score and credit report because your file is being handled in the Consumer Affairs Department. When you ask them why they are blocking you, they ca n't give you a valid reason. When you keep asking them they end up hanging up on you. I have called multiple times and asked why ca n't I monitor my own credit report and credit score, and I have not only never been helped but am always hung up on. <P/>It is tragic that a credit reporting agency would block a victim of identity theft from monitoring their credit reports and scores for fraud. It is like Equifax is a part of the fraud and do n't want you to see what is going on with our credit file. They have refused to provide me access to my report and score for over a year without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We purchased a new XXXX XXXX and made the regular monthly payments on time. With about one year 's payments left on the loan, we refinanced our home to obtain a lower rate mortgage, and the mortgage lender sent a payoff amount to Kia Finance.

They sent in too much money, as their payoff amount was never updated as we continued to make regular monthly payments while waiting for the loan to close. I have called Kia Finance numerous times to request a refund and am always told it is '' pending '' and never told why they have rejected the request. According to the phone calls, we are owed {$1200.00}. the phone calls to Kia 's customer service ( who always apologize for the delay ) were made on XX/XX/21, XXXX, XX/XX/21, XX/XX/21, and XX/XX/21. They always tell me it is in a different department that they email, but no one contacts us to say there is a problem or that the check is forthcoming.

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 2022-05-03
Company: Accurate Background
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I recieved a notice for adverse action from home chef about something in my background report. I asked them for a copy of the report and a summary of rights and still have not received any of the report and information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Lending Club Corp
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Global Payments Check Services, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On X/XX/2017 Company : Global Payment deducted {$100.00} from a debit card that I never authorized for them to store. This was a debt that I would make Bi-weekly payments until it was paid off. The payment was taken out not only without my approval but from a card that was never authorized for them to keep on their records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX tel # : XXXX amount of dollars : {$1000.00} claim # : XXXX This claim # XXXX is similar to this claim above for {$1000.00}. It didn't issue me a provisional credit nor questioning by phone call. So, please favor me with the amount of dollars above because it was a fraud claim and not a refund claim and it was just a prediction by the researcher. 





customer, XXXX XXXX  XXXX I have faxed into XXXX to reopen up my claim but it seemed they didn't receive it.

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 2017-06-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

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 2023-03-24
Company: EQUIFAX, INC.
State: MN
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:
The following credit inquiries listed on my Equifax credit report is fraudulent and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. The public record of bankruptcy chapter XXXX currently listed on my Equifax credit report has been deleted and removed from my XXXX XXXX and XXXX credit report. XXXX XXXX and XXXX deleted and removed the public record of bankruptcy from my credit report because the public record is not my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NJ
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:
Outline of my dispute with Equifax XXXX and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX  XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

Equifax stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to Equifax XXXX and XXXX Credit Bureaus XXXX XXXX XXXX they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-29
Company: BARCLAYS BANK DELAWARE
State: GA
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:
I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible 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 2020-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$5300.00}. Never applied for a Time Share Loan. 

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$1200.00}. I've reached out numerous of times trying to explain that I don't owe but it keep appearing on credit report. Never applied for this loan. 

XXXX XXXXXXXX XXXX # XXXX was charged on credit report on XX/XX/XXXX of XXXX for the amount of {$950.00}. I never applied for this loan and don't know why its negatively affecting my credit score. 

XXXX XXXX was charged on my credit on XX/XX/XXXX, of XXXX for the amount of {$1300.00}. I never applied for this Loan. 

XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of XXXX. I never applied for this company services. 

I have reached out to all companies and disputed above charges.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Outline of my dispute with XXXX Experian and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the XXXX Experian and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the XXXX Experian and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

Experian responded stated that the company that reported the information has certified to Experian that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

XXXX stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to XXXX Experian and XXXX Credit Bureaus / Reporting Agencies they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.

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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: TX
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

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 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 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: IN
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:
I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called experian to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also XXXX XXXX put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the 600. 

Thank you so much for your time

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 2020-10-07
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Today marks day 84 since the offer we put for the house was accepted and was sent to the bank to be processed. Since then, we had signed five extensions for the closure. Last month I was told at the beginning of the month that we were supposed to close in  XXXX, and I was assured that it was not going to go into XXXX. Everything that has been requested, we have provided in a timely manner. We have been patient and understanding during these unpresidential times the nation is going through.

After consulting with other professionals in the field, I have been notified that there have been some discrepancies in the process. Additional documentation has been requested from our part that is not asked to provide from a traditional consumer. For instance, having to contact the IRS, place a Fraud Alert, and request the 2017 tax return. ( The standard documentation that is asked for is from the past 2 years ). The explanation for this request of the tax return given was to make sure we havent bought a house in the past three years, even though that information can be obtained from the credit report.

I was advised by the lender that all information requested was verified for accuracy and missing information. Once all information is collected then it is submitted to the underwriters. So, it led me to believe that the information was not verified to make sure it was accurate which has caused delays and constant requests for additional information from the underwriters. Or the possibility of prejudice from the underwriters ' part, consequently requesting redundant documentation.

My realtor and the broker had contact the lenders ' corporation and the supervisors of the lender, and after 3 weeks we are still been told we " we are waiting for the clear to close at any time '' every single time we asked for an update.

Due to the delays we have been forced to pay {$900.00} in additional spences. Because of the delays we have reach a point were the seller will not accept another extension and we may loose the house. The lender seem not to be concerned with that. After leaving several message and sent emails advising of this, the lender has not contacted me to provide update.

All the information mentioned leads us to conclude there is a possible bias from lenders end or the underwriters.

Company response to consumer: Closed with explanation