BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: WA
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:
There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX  XXXX  located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ Capital One and three are showing up despite the accounts being paid in full, having zero balances, two being closed, and one being open. Capital One is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

XXXX XXXX is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX  ). How can I get them removed/updated? 

I am desperate right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
have a new car lease thru GM Financial Making payments to account number XXXX. Monthly payments are {$220.00}. I make payments from my XXXX XXXX checking account. on XXXX XXXX 2017 a payment came through for {$22000.00} and was received by GM Financing but not credited to my account. It appears to me the decimal point was placed in error. I called the bank to stop payment but it was too late. I then called GM Financing to get the over payment returned to me. I seem to get the run-around from these people for two months. My last call to GM Financial was today ; I was pit on hold for 30 minutes and never talked with anyone.
It seems like they think they can keep the money.
hard to believe GM would do something like this.
I simply want my over payment {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from AMCA dated XXXX/XXXX/XXXX stating that I owe their company. On XXXX/XXXX/XXXX, I sent them a letter requesting that they validate the alleged debt. On XXXX/XXXX/XXXX, I received a bill from XXXX and my letter back from them, which are absolutely not debt validation as I requested, and they also violated the XXXX laws. That is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: GA
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 contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT AND I STRONGLY BELIEVE THAT EQUIFAX IS THE ONE WHO SOLD MY INFORMATION BECAUSE FOR MONTHS NOW I AM TRYING TO RESOLVE THIS WITH THEM AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, ALONG WITH NOTARIZED AND ORIGINAL DOCUMENTS FROM THE CREDITOR DIRECTLY AND THEY STILL ARE NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XXXX ACCOUNT # XXXX OPEN DATE XXXX IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX. 

In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX. 

I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later. 

On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ). 

I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices. 

A strongly disagree. 

To summarize : 1. I have proof that TD Bank does not post payments on transaction dates. 
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX. 
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement. 

I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For many years I have been paying XXXX XXXX with automatic payments through my bank. I never had a problem until recently my payments stopped getting posted. I found out that the address the payments were being sent to for XXXX XXXX Account # XXXX ( Comenity Bank ) was no longer valid. I received a letter from Comenity Bank returning my check dated XX/XX/2022, advising that they no longer accept payments for XXXX XXXX. I updated this information with my bank ; however, after checking my bank account, I found that Comenity cashed and kept two other checks one dated XX/XX/2022 and another dated XX/XX/2022 both for {$100.00}. I contacted XXXX XXXX and confirmed that these two payments did not get credited to my XXXX account. 
I attempted to contact Comenity Bank directly to request the return of the {$200.00} ; however, each time I tried to call them, I was hung up on or cold transferred to XXXX XXXX. They were unwilling to assist. 
I just want the return of my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday morning, I went to access my bank account. However, the app told me that my account has been frozen and that I am supposed contact the security team for more information. However, no one has got back to me. It has been two days and my checking and savings accounts are still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sent a dispute regarding a debt that I do not recognize to National Credit Systems. Is an apartment complex, and when I left, everything was paid and no past due balances were left. By XX/XX/XXXX the collection agency didn't respond to my previous letter but still sent a bill trying to collect the money, on the same day I send a second letter by certified mail letting them know that they were in violation. As of today XX/XX/XXXX, the collection agency has not responded to me. 

In addition, I never got my right to dispute the debt by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EOS Holdings, Inc.
State: MD
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:
On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX  beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Yamaha Motor Finance Corporation USA
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 status incorrect

Complaint:
Due to Covid in 2020 I lost my job and I called to arrange payments with YAMAHA MOTOR FINANCE COR and I was told that those months that I couldn't pay will be moved and added to the end of the loan. and not late payment will be reported due to the Pandemic situation. that was XXXX, XXXX and XX/XX/ 2020 account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has called me repeatedly. they will often call me multiple times an hour. between XXXX XXXX  and XXXX XXXX  alone they will call at least 7 times. They will call over the weekends and while I am at work. If they called once a day between XXXX and XXXX PM that would be fine. But they continuously harass me during my work day, during personal time, and even on holy days and holidays. i don't mind reminders, but this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation