BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: TN
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:
Had XXXX XXXX  put the same account on my report XXXX separate times at the same time for XXXX account. I called them and paid what the XXXX company didnt back in 2019. XXXX and XXXX took it right off. Eqifax refuses to and the last time told me to call the police and file charges. What that isnt possible when its not a fraudulent item. They now have an account showing late that was paid in full XX/XX/XXXX and refinanced with never having a late payment. Eqifax says I missed my XXXX payment and I had already made a payment to the new creditor in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.

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 2016-05-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: ALLY FINANCIAL INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I made a XXXX transfer from my Ally bank account to a payee who has a bank account at XXXX XXXX. On XX/XX/XXXX I received a confirmation from Ally that the credit to the person was processed, however according to XXXX XXXX the money has not arrived. I tried to contact Ally customer service several times and they say that their part is done. When the other person contacts his bank they say the money has not arrived, which means the money seems to be lost and now I will have financial burden as I will have to make another transfer.

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 2020-04-15
Company: Global Credit Solutions LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have getting calls for several years from debt collectors looking for someone with my same name. I have repeatedly told them I am a non debtor and I am not the person they are looking for. After one collection agency quits calling in a short time a different one starts. The latest company to start calling is GCS ( Global Credit Solutions ) and the calls come from various numbers. I sent message on their web site giving my phone number and informed them I am a non-debtor and have never had any past due debt. I also have message on my phone that says I am a non-debtor.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-15
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paypal is telling me that I have a debt of {$32.00}. They never sent me any emails about this. They simply said that they sent an email that my bank account was not going through. I never received a single noticed that I had a debt. I thought that I updated my account. I called in today. They said they sent it to a debt collection agency. I never received notice from paypal that I had a debt in the first place. No way I could have paid a debt I didn't know I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Angel Oak Home Loans LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applying to refinance through Angel Oak Home Loans out of XXXX. I gave all of my info required for the loan. 

I have great credit, income, job history etc. In addition, the refi is for way less than the home is worth. The loan was so basic that a survey and appraisal was not even needed. Even though it has been over two months, all was progressing all be it slowly. I was given two fake closing dates and no details of where etc. One was even on a federal holiday.

All was at least proceeding until I pointed out inappropriate charge in the closing document. I was being charged {$450.00} for the survey  that I actually supplied to them. That was on XX/XX/29. After that, they stopped communicating. I have called/emailed and even tried reaching out to a manager and no one will respond. At this point, they have all my private information, committed to a locked interest rate and have  run my credit etc. I am not sure if there is not some fraud going on here and/or identity theft. 

I provided anything that was asked of me nearly immediately with the exception of the survey and that was 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2015 I received an email from American Express Serve notifying me, that they would start charging a monthly {$4.00} fee to keep the account open. After receiving the email I decided to cancel the card and logon onto my online account. 

After logging into my online account I attempted to close the account but was blocked from being able to do so, as their computer system then required me to respond to an additional verification email. I waited several minutes but never received a verification email which I could respond to. 

I then called their customer service number at XXXX and spoke with an agent whom I provided personal verification information ( SS #, DOB, Address ) and requested to close the account several times over the phone. The agent refused and stated that I had to first respond to the verification email ( which I have yet to receive ). We spoke on the phone for several minutes while he attempted to send multiple emails which continued not to arrive. I again requested that he close the account for me over for phone and the request was refused. The agent stated I would have to wait for the email to arrive, I asked if there was any other way I could close the account he said no. 

At this time I do not know if I will be able to close the account and am concerned about being charged penalties and late fees. I 've now spent over hour attempting to close this account and still do not have a resolutionI 'm also concerned that the current business practices and procedures in place will also prevent other consumers from being able to avoid injury as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: Zenith Financial Network Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida 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 2021-12-25
Company: First Federal Credit Control, 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:
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return 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 explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My credit report monitoring company informed me that on XX/XX/2021 a chacking accou t was openedon my behalf. This was done at a TD Bank branch located at XXXX XXXX XXXX, XXXX, SC XXXX. This although all my credit and Social Security Number are frozen or locked. I have not opened any accounts at this branch or any other TD Bank branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently pulled my credit report and found that my credit was ran without my consent. After speaking with both Equifax and the creditors who ran my credit without consent, I was unable to get these hard inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to do a XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: M&T BANK CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I do not know if previous submission worked. Equifax is saying my communications are frivolous now. I have XXXX types of items that are still showing despite XXXX disputes of them including documentation ( attached ). 
1 ) Tax Lein Release withdrawal, serial # XXXX, IRS form XXXX. This states the IRS is withdrawing reporting of this lien. I just phoned them, and they told me to submit the attached form ; however, I have done that, on at least XXXX occasions. XXXX XXXX and XXXX have both removed the tax leins ; it is only EQUIFAX who has deemed this irrelevant and frivolous. 
2 ) Judgements : There are XXXX judgements listed in error. Both XXXX and XXXX have removed them, Equifax is saying my requests are frivolous, told me to get hold of the courthouse and attorney, I did, and they can find no record of them. Equifax has not done their job by actually calling the courthouse and/or attorney. XXXX and XXXX have deleted these items. 
I am XXXX, XXXX, and do not have much money. I can not get credit, which I need, and have trouble renting. Please help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the company claims that my XXXX year old son owes some money they repeatedly called some months ago i told them my son does not live in my house and has not lived in my house for 15 years they asked if i knew how to reach him i told them he works as an XXXX  on a XXXX XXXX i told them not to call me anymore as this was not his phone number or residence they called me again last week i spoke w an XXXX XXXX he said he remembered my whining voice and that he was calling about my son again mr XXXX XXXX claims that he works for credit council inc i found there address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) 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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a credit card with XXXX Visa. I had a high balance in XXXX, I made a payment and paid it down yet they reported the higher balance and said it would not update until the next reporting cycle. I then paid the card off in XXXX and the balance was XXXX. It was reported in XXXX as a XXXX balance, however for XXXX they reported the high balance of I had in XXXX making it appear I had run my card up again. This is not the case the balance is still at a XXXX, however because they reported the balance incorrectly my credit score dropped by 62 points!!!!! That really hurt me as I'm working to repair my credit and the card advertises that it helps people repair their credit. I am issuing a formal compliant as they are required by to report fair and accurate information.

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 2016-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
disputed incorect information that XXXX XXXX XXXX reported to the credit reporting agencies. 
disputes were sent to equifax and XXXX XXXX XXXX. 
XXXX XXXX XXXX replied by letter that the info that they provided was " accurate. 
this is a LIE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have had someone using my address under numerous names and I have never, ever lived in XXXX. Please remove this at it is probably identity theft. I have always lived in XXXX.

Company response to consumer: Closed with explanation