BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax dropped my credit score 96 points in one week using 6 changes as their reasoning. ( 1 ) change of address, been here 6 months ( 2 ) student loan balance increased {$97.00} in the last 12 months, probably interest on the deferred loan. ( 3 ) Fed student loan inquiry, yes they did inquire just as they do each time you get a student loan, but last year 's is still on there. ( 4 ) and ( 5 ) and ( 6 ) all have to do with having a high balance on my 2 credit cards. Total limit between the 2 cards is {$900.00} dollars of which I owe {$550.00}. I think this drop in my score which took me from fair to very poor was harsh considering I have no derogatory credit and have been working hard over the last year to build my credit. Always pay on payments early and more than minimum every month. The other 2 agency 's did drop my score but only 7 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Associated Management Company Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail stating I owed my previous bank, XXXX XXXX XXXX XXXX, a balance of {$120.00}. Since I closed my account about a year ago, I knew something was wrong and wondered if the teller did not close my account correctly. I went into the branch near my home and got evidence that showed I have never had this debt and that I have never been sent to any collection agency. The teller I spoke to said that XXXX has not used XXXX XXXX XXXX in a few years and that they recently switched systems and a few of these letters have gone out and worried members have brought them into the branch wondering what they were about. She suggested that I call the toll-free number on the card, and nobody answered. I left a message and received a call back a few minutes later. The man I spoke to, XXXX XXXX, asked me to verify the day I was born and the very last digit of my social security card. I gave him the information because I didnt think he could do anything with such a small amount of information and told him I went into the bank and was told and given evidence that this debt does not exist. He asked who I spoke to, and when, and asked if i went into the branch physically. I said I spoke to a teller about 30 minutes prior to the phone call, and went to the physical location. I was a bit angry because I know I have never been sent to collections, and could not tell me any details on this apparent debt I owed. He said he needed to contact the issuer who gave him my case and that he would call me back. It has been over 24 hours and I have not received a call back from him. Today I did some research and found his business online, but the address does not match the address on the letter, nor does the address on his website match a legitiment address on XXXX maps. The website address is 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 2018-11-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Barclays black card back in XX/XX/XXXX. I was told i was denied then due to delinquent car loans, not enough consecutive on time payments with XXXX  XXXX and XXXX XXXX. The gentlemen told me if i got the car loans removed or fixed and at least 6 months of on time payments then I would get approved. 

on XX/XX/XXXX I applied again, since the last application I got the car loans removed and several fraudulent accounts removed as well ( 2 car loans and a credit card ) that were not mine. The girl i called with the reconsideration line rejected me saying she could see no more car loans existed and that I had on time payments dating back to XX/XX/XXXX but i got denied due to a charged off card in XXXX, short sale house in XXXX and XXXX XXXX card over the limit. My XXXX  XXXX card is {$88.00} balance of {$600.00} currently, my ability to repay creditors has greatly improved since the credit one charge off, my divorce in XXXX which i couldn't help was the reason by court order why i had to sell the house as a short sale. 

I am being deceived by barclays card when I am simply trying to fix my credit, now that I am more financially responsible and secure I believe i should have access to a great card. 

I want a honest reconsideration not a millennial telling me how I ran my life and putting Barclays in a deceiving position.

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 2022-08-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile.

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 2022-09-30
Company: Self Financial Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried approximately 20 different times to get in contact with " SELF '' Numerous Failed Log in Attempts on their website, via Numerous Phone calls ( up to 1 hour on hold multiple times ) Several Emails, Several Attempts to " CHAT '' with their representative on line and I was unable to contact them. I was trying to update my credit card on file to make a payment ON TIME because my other card ( that was set up on my " SELF AUTO PAY '' ) had been lost or stolen. I had tried to update this cared WELL BEFORE THE PAYMENT WAS DUE, OR WOULD BECOME LATE. 

The fact is they reported a 30 day late payment on my credit history ( meanwhile they are supposed to be a " Credit Building Institution '' ) That is what they advertise themselves as. Now my credit has dropped by about XXXX Points on average on all three bureaus as the result of this FRAUDULENTLY REPORTED LATE PAYMENT! 

I was finally able to get through to a " Self Representative '' about a month ago, ( after the late fee had evidently been posted on my credit report ) and explained the situation in detail to one of their representatives on the phone. He explained to me there was nothing he could do about it. I have since then tried to get in touch with a " Supervisor '' at " SELF '' via numerous phone calls and have been promised " a return phone call within 1 -2 business days '', 3 different times now, but they never call back. 

THIS 30 DAY LATE IS NOT A FAIR OR TRUE REPRESENTATION OF MY CREDIT, OR MY PAYMENT HISTORY, AS THE SELF WEBSITE WAS DIS-FUNCTIONAL AND SO WAS THERE " CUSTOMER SERVICE ''. I MADE EVERY ATTEMPT WITHIN MY ABILITY TO MAKE THE PAYENT ON TIME, BUT IT WAS NOT POSSIBLE DUE TO THEIR NEGLIGENCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

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 2022-10-25
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: MA
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 have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: MA
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 have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/2022 - XXXX XXXX XXXX XXXX sent me an email saying that my online application for a bank account was not approved because of inconsistencies. This is when I became aware my identity had been stolen. I immediately had a fraud alert placed on the XXXX credit reporting companies. Unfortunately the damage was already done. XXXX XXXX XXXX XXXX said I need to solve the problem of removing the hard inquiry with Transunion. Transunion says I need to file a FCA report then paper mail the report along with other documents to dispute this fraudulent hard inquiry and remove the negative impact on my credit report. Online disputing is not permissible according to Transunion. I was instructed by Transunion to https : //reportfraud.ftc.gov/ which has then forwarded me to Consumer Financial Protection Bureau XXXX The goal is to have some sort of report that I can print and paper mail to Transunion.

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX BANK OF AMERICA {$100.00} deposit, {$25.00} {$25.00} {$50.00} XXXX XXXX XXXX XXXX Lost deposit {$180.00} {$100.00} {$75.00} {$60.00} {$40.00} {$50.00} {$120.00} {$80.00} {$70.00} {$170.00} XXXX XXXX XXXX Account number XXXX Routing number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social security XXXX XXXX Submit Complaint Top Right

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My account was charged off but paid in full in 2021. However, Wells Fargo did not report it to the credit bureaus correctly and we are unable to obtain a new personal loan. I have called every day for a week to get another letter ( received one in 2021 ) stating it was paid in full. However, they are saying they are too busy to provide 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 non-monetary relief
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I experienced a mXXXX XXXX XXXX and lost a great deal of our family income. I contacted my mortgage provider to see if they could offer assistance. They shown do interest of assisting me in any way until I contacted HUD, who referred me to an authoring counselor who contacted my mortgage provider. I was then contacted by my mortgage provider on XX/XX/XXXX to complete a loan modification application. For 3 months I called to check the status of my application, but was always told that the underwriter was working on it. On XX/XX/XXXX, I received a letter in the mail stating my application was denied. The letter didn't clearly explain why, so I called but unable to reach my Loan Preservation Specialist. I then filed an appeal, citing the lack of due diligence given to my application and the fact that I have only been in contact with my Loan Preservation Specialist once in 4 months. I only provided proof of additional family, which included my wife 's income and XXXX benefit income from my XXXX son that we care for. After call daily to speak with a representative, I received another mailed letter on XX/XX/XXXX denying my appeal. I then went to my local branch of mortgage company and spoke with some that I enter ask with often. After explaining my situation, I was told off the record that since I have a large amount of equity in my house, the bank would make more money off my house if they foreclosed. I have been in my home for 10 years and don't want to loss it. I XXXX for a XXXX XXXX year old that would be place in a grave position. I have the income to resume my mortgage payment, I just needs a way to regroup the arearage.

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 2022-10-23
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:
Experian has not validated that the bankruptcy they are reporting on my credit report belongs to me. I sent a letter on XX/XX/2022 requesting validation, but they did not respond.

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 2022-09-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had applied for Rental Assistance and was approved to get the 3 months paid off but the assistant manager of the apartments said they were not participating in the XXXX rental assistance program anymore. I sent emails to the manager to show proof of approval to pay off the amount. We went to court and the attorney representing the apartments dismissed the case along with the judge dismissing the case I have the letter from the judgment of dismissal of the case. They recently put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Debit my account later proved the amount was giving to me by the magistrate, bank keep denying of receiving the claim! 
They closed my checking account and saying due to suspicious online activities like hackers!

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