BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My aunts account has been blocked because someone stated that she had passed. I am the power of attorney on this account and I was not the one that made the statement I have given the bank copies of documents that state that she is still alive and showed the power of attorney documents and the bank will not reopen her account. At this point I have made visit to the location on XXXX, XX/XX/XXXX and many calls that have not been returned. The bank Assistant Vice President assured me that she would call me on Monday XX/XX/XXXX and have this problem corrected. I can not get them to call me back. The location of this bank is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. They are asking for my Aunt to call them to verify that she is alive, but they do not what a third party on the line. She is XXXX XXXX XXXX and may not be able to answer the questions. She can tell them her name and age, but I am not sure that she could tell them her account number. She is not able to go to the bank because she can not walk. She is a full time patient of the Rehab facility. I can't understand how some one could call the bank and state that she has passed without documentation, but I can't get them to take the block of her account with the Power of Attorney documents.

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 2016-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I moved from XXXX to XXXX in XXXX, XXXX, and have been a resident of XXXX since then. During the last 4 years, I have received several letters from Equifax notifying me of a " new '' address, which always turns out to be the " old '' address in XXXX that I moved from in XXXX. I called Equifax and corrected the address error. On XXXX XXXX, XXXX, I received XXXX letters form Equifax. XXXX letter said my new address was my prior address in XXXX : the second letter said that my new address was the address in XXXX! These arrived on the same day! I will scan these letters and try to forward them to you. The most recent letter I received from Equifax is dated XXXX/XXXX/XXXX. This latest letter has once again notified me that my new address is now back in XXXX. I have spent hours trying to insure Equifax that my correct address is in XXXX, but they keep changing it back to my old address in XXXX. 
What 's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked Equifax to investigate and if not verifiable, delete negative information on my report. I have explain and shown Equifax the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Equifax has only send back a full credit report with updates and claiming validation from furnishers, but all mistakes are visible to the point of showing schedule payments on the on sold accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have XXXX hard inquirings from XXXX/2015. It has been over a year now. Should these inquirings be taken off my report? All of these were concerning an auto loan, which was financed through another company not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following accounts are reporting inaccurate on my credit report XXXX and XXXX. The original source of verification may be unreliable, so I request that Representative ( s ) and or Agent ( s ) of Equifax go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies. See ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX at XXXX ). I hereby demand a Reinvestigations of the disputed information pursuant, but not limited to the FCRA 611 ( 15 U.S.C. 1681i ). A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information.Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. I would additionally like for physical verification of a consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is wrongly reporting the following collection that was settled. 
They need to remove it from my credit report pronto. 
XXXX XXXX XXXX, 2015 Open {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My dad was diagnosed with terminal XXXX on XX/XX/21. I called following the first payment on a debt to ask for two deferred payments to free up funds to be able to see my dad ( who lives 3,000 miles away ) and help my mom with some of the costs associated with my father 's illness. I was told until 6 months that no assistance can be offered on their loans for any reason including COVID, which goes directly against the protections offered at this time. I was also told that Discover charges off debts at 120 days and would rather allow debts to charge off than assist someone in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please file tis complain with Equifax. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent a letter to Equifax outlining errors on my credit report in XX/XX/XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
AS I WAS GETTING A BACKGROUND CHECK FOR NEW EMPLOYMENT I 'VE RECEIVED A COPY OF INCORRECT INFORMATION AS FAR AS ADDRESSES I HAVE NEVER RESIDED AT BASED ON SOMEONE USING MY NAME IT IS ALSO SHOWN ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TX
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:
remove fcra violations : XXXX  XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, Changing the dates on debts that are reported on the credit report to prolong the length of time that the debt is reported on the report. I send Equifax several letters requesting signed, written verification or validation, They just send me back a letter as soon as they can stating that the debts are verified. I happen to know for a fact that the XXXX XXXX account is not mine and it 's been on my credit report for over seven years and they will not remove it. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the XXXX Court and I was told by them that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? I have attained legal counsel and will be filing a lawsuit as soon as possible due to the fact that Equifax has violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I am a part of the suit class. If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint is about Hard Inquiries placed on my credit report by Equifax these inquiries was Fraudulently placed on my credit report and preventing me from obtaining credit. 
XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX 5 ) XXXX,, 6 ) XXXX XXXX,, 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX XXXX,, 12 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: U.S. BANCORP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Old information reappears or never goes away

Complaint:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Coaf- XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 2023-06-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2015-09-03
Company: U.S. BANCORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: LendingPoint Holdings LLC
State: LA
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:
this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Saludos ... 

I am a XXXX  Citizen resident of XXXX XXXX, XXXX. Navient purchased my student loans many years ago. I have not missed payments, except that I do miss the datelines from time to time because of the way I am paid by my professional services. Now, as soon as the payment deadline goes over one day, I immediately start receiving calls several times a day, over half a dozen times regardless of me explaining that payment will be issued within X amount of days, next day, etc. I keep mentioning to " the next call '' that I already spoken to an officer but to no avail. Last answer by them when I asked for a reason why they keep calling the same day several times a day is " that the law let them call 8 times per day ''. Is this is just like that even after talking to one of them?

Please advice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Rewards

Complaint:
BAIT AND SWITCH CREDIT CARD OFFER BY Fidelity Investments & Elan Financial Services Took advantage of a Visa card offer on Fidelity web site noting a 2 % rewards credit card, coupled with a XXXX point ( {$100.00} value ). Account opened without issue, card received, but never received the XXXX bonus. Several attempts to correct via written correspondence and two telephone calls with Elan Financial pushes everything back to a 'live ' phone call. Final call made on XX/XX/2016 to Elan Fin @ XXXX, spoke with a supervisor named XXXX, and she noted as their was no promotional code attached by the system with my account opening, I would not be receiving the promotional offer. The offer, if still up on the Fidelity investments website, is at this URL : XXXX. I was still active as of XX/XX/2016 @ XXXX. When asked why they ca n't research what promotional offer was actively run on the Fidelity Investments web site at the time the account was open, the rep kept referring to the account opening code statement ... I also know that apparently other customers are having a similar issue with not getting the appropriate credit ... This is a classic example of Bait and Switch if I 've ever seen one.

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 2021-04-21
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my refinance process for my house with Guaranteed Rate. My Loan consultant was XXXX XXXX XXXX ID : XXXX. I paid a {$500.00} deposit for the appraisal which was originally {$470.00}. The Loan consultant said that i would get the money back even if i decided to cancel my application. I felt that this agent was very misleading with his word. Im afraid he been taking advantages of other peoples just like he did with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/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