BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2022, I went to XXXX XXXX  located in XXXX XXXX to obtain a personal loan. The first thing they had me do is sign a piece of paper stating that they were allowed to run my credit. After the lady was taking my financial information we realized because of my lack of income that I would not qualify for a loan. Because of this we both agreed that it would be best if I tried to have my wife cosign on the loan. After speaking with my wife she stated that she did not want to go through with that. I received several calls from the company but I never answered. We had decided that we would not go through with a loan. After the company did not get a hold of me they still proceeded to run my credit check on XX/XX/XXXX several days after I left the office. When I went up there to ask why they did that they said they had already ran my credit that day. So I asked her if she ran my credit before I gave her all my information in which the obvious answer was no. Her statements were obviously false because when I left the office the lady and I both agreed that I would be denied. So why would they run my credit knowing that it was going to be denied? I have a video of the conversation with the woman that ran my credit which I can provide. If someone was to investigate this I'm sure they would find that that's her job to run credit checks. I feel this is dishonest, unfair, and quite frankly a waste of eveyone 's time because as we had both agreed with no income my credit would be denied. So why would they run my credit anyways? I would like an investigation into the matter. I would also like for them to reverse any damage they have done to my credit do to an unauthorized credit check. These companies should not be allowed to do things like this. I know I signed a piece of paper but as I stated earlier we both agree that I could not qualify for a loan without any income. Also to run my credit days after I come into the office because they could not contact me by phone is fraud. For them to have a customer sign a paper for a credit check first before they even gather information about the finances of the individual is a scam so they can get away with things like this. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a mortgage account with SunTrust 11 years ago and at that time a checking account was required in order for the monthly mortgage payments to be drawn. No other activity was done on this checking account other than the monthly mortgage payments. In XX/XX/2022 a {$25.00} maintenance fee was deducted each month. I didn't notice this until XX/XX/2022 and by that time {$100.00} had been deducted. I called Truist and learned the checking accounts are no longer required for mortgages and that a {$25000.00} balance is required in order to avoid the {$25.00} maintenance fee. None of this had been communicated to me. I immediately closed the checking account and a {$25.00} refund was issued but I am seeking a full refund of the remaining {$75.00}. I have letters at the time of the merger that stated nothing will change ; I phoned the bank at the time of the merger and was told nothing would change and no action was needed on the part of the customer. An inquiry with Truist was escalated for research on XX/XX/2022 but no response has been received. I've spent hours on the phone attempting to resolve to no avail.

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 2017-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XXXX XXXX. I asked them to investigate my account, and make corrections. Almost two months have passed, but I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Bread Financial Holdings, Inc.
State: OR
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:
In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
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: Account status incorrect

Complaint:
I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX XXXX XXXX charge card reported that I was late. They reported it to XXXX  on XX/XX/2020 and Experian on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX i signed a 60-month contract agreement with XXXX XXXX XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however XXXX and experian seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business consumer alliance against XXXX  and they fail to reply.

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 2017-04-10
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

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 2022-09-13
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper paid another homeowners hazard insurance policy out of my escrow account on XXXX and still havent reimbursed my escrow account. I have made 5 phone calls and this still hasnt been resolved. I have a shortage in my escrow account and there is an escrow analysis that will be happening before the end of the month. If this is not resolved my payment is set to increase by approximately {$200.00} per month. I need this resolved immediately and Mr. Cooper has not been cooperative for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 requesting Equifax to provide their method of verification. They replied to my last complaint involving improper use of my consumer report, stating on XX/XX/2022 that they verified my accounts, so I am exercising my rights under 15 USC 1681i ( a ). I am granting them 15 days to respond to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: ID
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:
There are two accounts that do not belong to me. I have a perfect credit rating and these two accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these two creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute regarding incorrect items on my credit report, it has been well over 30days. and I have yet to receive any investigation results!

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 2017-06-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a checking account on  XXXX / XXXX / XXXX  at  Webster  Bank at  XXXX   XXXX , Cambridge. There was an ongoing promotion of {$350.00} for the said checking account which is why I created the account. There were several requirements to get the promotion, and I successfully met all the requirements they asked within the time line. After 3 months, I even verified with the in-branch representative and the rep said I fulfilled the requirements and I would get the promotion value in a short time. However, the promotion value did not show up after a long time, so I asked again multiple times via phone and via secure messages in web service. Every time, I was confirmed that I was/am eligible for the promotional {$350.00}, and I just needed to wait while longer. This conversation went on and on. The first inquiry started at the end of  XXXX , and the most recent inquiry is  XXXX / XXXX / XXXX . They still say that I 'm eligible for the promotion, and I need to wait. At some point, they gave me some specific date that I would get the promotion, like  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , but those never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold from    XXXX   XXXX    to  Rushmore Loan Management  in  XXXX    XXXX   or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to  XXXX  over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore  has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXX for XXXX. We received a conventional mortgage with XXXX for XXXX. In XX/XX/XXXX we were approved for a HELOC with XXXX for approximately XXXX. In XX/XX/XXXX i became unemployed. I was out of work for 3 years. We reached out to XXXX many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to XXXX many times for help they were unable to assist us. XXXX sold our mortgage to Seterus inc in XX/XX/XXXX. we were taken to court and foreclosure procedures continued. In XX/XX/XXXX we filed for chapter XXXX bankruptcy. Our homes current value is XXXX and we currently owe XXXX for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in XX/XX/XXXX for XXXX this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home. Seterus lost paperwork when we first attempted to modify Our mortgage during my unemployment status. After 8 months of waiting and call Seterus we had to start the process over. This was in XX/XX/XXXX Now we have been offered a modification for the current balance of XXXX for 45 years We will never be able to pay this off and at this time we need extensive renovations can not get a loan to make the repairs and upgrades because we are under water. The current value of the home is XXXX and our mortgage balance 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 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I only use my credit card to pay my bills online to the utility companies, XXXX or other reputable companies. 
The card never leaves my purse, except when I buy gas. 
I put it into the pump. There has to have been a skimmer or a shimmer in the pump. A thief stole my info and charged phone calls to another thief at a prison. 
Capital One cancelled the card and is doing an investigation. 
I have 2 complaints : 1 ) I asked multiple people at Capital One if they use the XXXX XXXX for their chips in the cards. XXXX is another layer of protection that prevents copying the info on my magnetic strip. 
No one could answer me. UNACCEPTABLE! 
I want to know if Capital One uses XXXX. 
If not, why? 
This sounds like a class action law suit. I will be contacting a lawyer. 
2 ) When I gave the Fraud dept my landline phone # Capital One 's system could not identify it. I opened the account with that phone #. I then gave them my cell phone #. It too could not be identified. Now I have to wait XXXX week for them to verify my ID info that I submitted and another week to get my new card. 
I'm being penalized for a thief who stole my money. 
UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " limited credit experience '' XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " time between request is too short '' XX/XX/XXXX I requested credit limit increase and was denied on the grounds " time between requests is too short '' XX/XX/XXXX I called and asked customer service what does " limited credit experience mean? '' She stated it means I have not held the card for 3 years. 

The reasons for denial are a violation of my rights as the consumer and only true creditor. 
The laws violated are as follows 12 CFR 1002.1, 12 CFR 1002.2, 12 CFR 1002.7, 12 CFR 1002.9 The codes violated for denial are a violation of my rights as follows 15 USC 1681a ( k ) & 15 USC 1691 ( a ) 3 ENCLOSED : Copies of the federal law in favor of I the consumer, original and only true creditor. Copies of the USC and 3 denial letters from Avant Credit Card Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Synerprise Consulting Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had XXXX ( XX/XX/XXXX ), where an XXXX XXXX XXXX  XXXX  was outsourced for the XXXX. I had never heard of the XXXX XXXX XXXX   XXXX  or agreed to work with them or had any idea thew would be present in my XXXX. In XX/XX/XXXX I got an alert on my credit motoring company that I had a bill in collections. XXXX XXXX XXXX  XXXX  had sold off debt for {$140.00} to a collections company called Synerprise, who also never contacted me.The issue I have is that XXXX  XXXX XXXX XXXX   NEVER once sent me a bill or contacted me. On their own they acquired a wrong address, sent one letter, and then sent me to collections. Their standard process is to send 3 letters. In any event, I contacted them and agree to pay if they would pull the claim to collections and the derogatory mark would be removed from my credit, and as of the past two weeks, it has not been adjusted.

Company response to consumer: Closed with explanation