BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: DC
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:
I have had XXXX 's department credit card for several years. In the XX/XX/XXXXand XX/XX/XXXX timeframes, XXXX 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that XXXX 's company new XXXX wasn't being paid. 

First, consumer did not ask for an XXXX 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XX/XX/XXXX, I contacted XXXX 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the XXXX 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that XXXX 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to XXXX 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both XXXX 's and Experian without resolution or a fix to XXXX 's negligent duties. 

Please assist me is this matter.

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 2016-08-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Equifax and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022, I received an alert for a new credit inquiry from Bank of America. I immediately called Bank of America to inquire about the credit pull since I had not personally requested or applied for any new line of credit from Bank of America. After thirty minutes on and off several phone calls, once having been hung up on after being placed on hold, I was given a direct phone number to the Bank of America credit department. On XX/XX/2022, I reached out to the Bank of America credit department, who confirmed, indeed, there was a credit pulled on XX/XX/2022 for a XXXX XXXX XXXX. An investigation into a fraudulent application was initiated per Bank of America. I strongly believe that, instead of a fraudulent application, Bank of America illegally proceeded to pull my credit without my consent. On XX/XX/2022, Bank of America asked me to update my income on signing into my online account. I strongly believe they proceeded to run my credit without my consent based on my updated income. This inquiry into my credit is increasingly troubling for me at a time with rising interest rates and with me locked into a fixed XXXX ARM. I intend to proceed with any legal means if my credit score decreases secondary to this inquiry that I did not initiate. I strongly believe this as a result of UNFAIR PREDATORY LENDING PRACTICE by the institution. I have never experienced this problem with Bank of America in all of my seventeen years of relationship. Moreover, I have not used my Bank of America credit card in over one year, so there was no need to provide another credit. I am counting on your institution to hold Bank of America accountable for this illegal practice that has significant financial and emotional stress to consumers. No consumer should have to endure this greedy practice from any bank let alone a giant institution like Bank of America. Looking forward to an investigation into this practice and ultimate substantial consequence for their lending practice. I truly appreciate your work and look forward to hearing from your department.

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 2016-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. 
Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: NY
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:
Every two months Experian drops my credit score by XXXX point with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.

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 2022-08-04
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company name : PennyMac Loan Services LLC Problem : I closed out the loan with PennyMac in XXXX. Pennymac also pulled in the automated payment for month of XXXX. So, double interest was charged for month of XXXX. I have been trying to get a refund on the money since then to no avail. Following is the call history : XXXX XX/XX/XXXX - 28 mins - They can not find the records and need to check with people again to return the money. 
XX/XX/XXXX - 46 mins - Was told that there was a delay and the funds will clear in another week. 
XX/XX/XXXX - 22 mins - Was told the the funds will release in a week. 
XX/XX/XXXX - 24 mins - Was told that the funds will be released in 2 days XX/XX/XXXX - 46 mins - Agreed that the money was owed. 
XX/XX/XXXX - 11 mins - Said will call back as there seems to be an issue but never got a call back XX/XX/XXXX - 43 mins - Disagreed that double interest was charged XX/XX/XXXX - 18 mins - Disagreed that double interest was charged XX/XX/XXXX - 40 mins - Disagreed that double interest was charged XX/XX/XXXX - 20 mins - Disagreed that double interest was charged XX/XX/XXXX - 29 mins - Disagreed that double interest was charged XX/XX/XXXX - 22 mins Incoming : XX/XX/XXXX - 8 mins - Requested bank statement to for confirming the funds cleared from my account XX/XX/XXXX - 4 mins - Confirmed that funds will clear XX/XX/XXXX - 4 mins - Confirmed that funds will clear in another week. 
===================================================== I have tried my best in good faith to get the money back from PennyMac but to no avail. I went them to refund back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Last XXXX XXXX, I called the Citi Bank Customer Service to ask about any offer of Balanced Transfer under our Credit Card. The Customer Service that day responded and informed me that there is an offer an offer for Balanced Transfer that is 0 % APR for 12 months with one ( 1 ) time 3 % Balanced Transfer Fee. 

Upon hearing of the offer, I told the Customer Service that I would like to avail the said Balanced Transfer Offer of 0 % APR for 12 months and I told the Customer Service to transfer the amount of {$8000.00} into our XXXX XXXX Checking Account and the fee for the Balanced Transfer will be {$240.00} ( 3 % of {$80000.00} ) The amount of {$8000.00} was then deposited in our Checking Account after several days. But lasts XXXX XXXX, as I was checking our account online at Citi Bank. I noticed a discrepancy in the interests rate and the amount we were CHARGED WITH. The Citibank Charged us at {$140.00} just for 1 Billing Cycle ( 1month ) which was THE RATE BASED ON STANDARD PURCHASED RATE ( as shown in our statement ) for the Balanced Transfer we did the previous month. 

The term of our agreement lasts XX/XX/2020 for the Balanced Transfer was for 0 % APR for Balanced Transfer for 12 months with 1 time fee of 3 %. 

Citi Bank did not follow through the agreement that I and the Customer Service of Citi Bank I spoked to and agreed on the day the transfer was made. Citi Bank instead have charged us with an APR based on a STANDARD PURCHASED and disregarded the 0 % APR for 12 months with 1 time 3 % Balanced Transfer Fee that we agreed on. 

I called the Citi Bank and ask them why they charged me for something which is different from the agreement that I and the Customer Service I spoked to last XXXX XX/XX/2020 agreed on and they said they will investigate and until now I have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602 A. states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB I am filing this complaint due to issues with American Adjustment Bureau and how they continue to report these accounts on my credit files. I have disputed these accounts with all three of the credit bureaus and as you can see below after XXXX  and XXXX  reaching out to American Adjustment Bureau the results came back as deleted, but yet they continue to report these erroneous accounts on my XXXX  credit profile. Account # XXXX in the amount of {$150.00} has been reinserted by this same company even after XXXX  already completed their investigation and removed said account on XX/XX/2020. This is a complete violation of my rights as a consumer and is continues to cause a great strain on my physical and mental health as I am a XXXX person. I have requested from the original creditor proof of these so called debts they say I owe and all I got was a copy of a statement showing {$0.00} owed as a printed version and they inputted a WRITTEN amount on the bottom of the statement. They continue to fail to verify these debts are mine and I am requesting full immediate deletions of these accounts from my XXXX  and XXXX   credit profiles. 
Results : XXXX  Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Results : XXXX Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Account # XXXX Account # XXXX XXXX  CREDIT FILE : XX/XX/2020 Confirmation # XXXX The Results Of Our Reinvestigation >> We have researched the collection account. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : American Adjustment Bureau, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX I was sent only 16 pages of statements on XX/XX/2020 all showing a XXXX balance and yet they continue to report these inaccurate and false accounts on my credit file and it has and continues to cause me great harm. As you can see from attached statements that there a fraudulent handwritten bogus collection amount on the bottom for {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was an ID theft victim in XX/XX/2007, and when it happened I notified all three credit bureaus who in turn assigned me a security freeze password that can be used to lift the freeze at my discretion. I moved from that state to another, and that 's when the problem started. When I put a change of address, I mailed all three credit agencies my updated driver license, a billing statement with my address, a copy of my social security card and the original police report of the ID theft incident. XXXX XXXX and Experian both immediately updated my records to reflect my new address ; Equifax did not. Instead they incorrectly inputted XXXX of my old addresses, but I did not XXXX this until several months later when I needed to lift my security freeze. It would not allow me to do it stating my information did not match their records. 
XXXX attempts to clear this up by contacting Equifax and nearly XXXX years has past, yet I 'm still arguing with Equifax. When I call I get transferred over seas, back to XXXX, back to overseas until I get so mad I hang up. I 've faxed them written requests XXXX times. They responded once by telling me they ca n't help me until I mail them proof of who I am which I had already done. They did respond and correct my address, but then once again when I attempted to lift the freeze, the recording said my information did not match their records. Last month they mailed me XXXX letters, neither of which addressed my original complaint which is by Oregon law, I 'm entitled to transfer my security freeze to another state, yet Equifax tells me I no longer qualify. My last letter stated to them that if they did n't get this fixed, I would file a complaint against them. They have not fixed it, and last month I needed tires. My tire shop uses Equifax exclusively so I could not apply for credit to get tires. I 'm not driving until I can get tires as Equifax has me held XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally bank fraud department called me on XX/XX/17 to report suspicious activity on my account. The next day I check my account and discovered my balance was {$8800.00} lower. I called Ally to report the incident and spoke with XXXX Employee # XXXX and was advised that they would place an investigation that could take 10 days to solve. Ally bank released funds from my account without my consent or authorization. 

Ally Dispute # 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent letters dated XXXX XXXX, XXXX ; XX/XX/XXXX ' and and a registered letter on XX/XX/XXXX to Midland Credit. I am attempting to get this off my credit report so I can qualify for senior subsidized housing. No response. This debt was a right off from XXXX XXXX that Midland Credit bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.

Company response to consumer: Closed with explanation