BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XX/XX/2016 I sent an investigation request regarding XXXX tax liens that were filed in error reporting on Equifax XXXX credit report for me, and Equifax alone. I submitted XXXX letters from the XXXX Attorney General XXXX of XXXX that state that the tax lien was in fact, filed in error by their office, it was null and void, and request for Equifax to remove it. Equifax ignore the letters and sent back " XXXX '' for both. I called Equifax, spoke with a supervisor who attempted to an investigation while on the phone but said he felt the letterhead was fake. He never called the office to verify or went online to the Ohio XXXX docket to verify. I have supporting documents, called the XXXX office who supports me, submitted a dispute with XXXX because the XXXX XXXX said XXXX gave Equifax the false information. Equifax still wo n't budge. This hurts me tremendously. I am a XXXX XXXX XXXX of XXXX firms and these blemishes are thwarting my current expansion efforts. I have included the XXXX letter stating it was null and void, the XXXX XXXX Docket showing that they are reporting the wrong amount, and the follow up letter for the Ohio IRS stating the same and the Equifax response to my request that include the wrong address for the XXXX, further proof that no investigation was conducted. I never received another response from Equifax from my phone call dispute with the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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:
In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: GVA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called transunion, XXXX, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

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 2020-08-09
Company: EQUIFAX, 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:
After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for a CITI card late XXXX. I have interest free until XX/XX/XXXX on my balance transfer. I did however, had a few purchases on the card that is subject to interests. 

I called the company several times to pay off the balanced owed for the purchases only. I finally spoke with a representative that gave me a figure of {$150.00} for the purchases that were subject to interests. I paid {$190.00} ( including {$41.00} min due ) on XX/XX/XXXX payment on the account. 

XX/XX/XXXX statement came and purchase balance did not clear. I called again, spoke with another representative XX/XX/XXXX and he stated they will take care of it to allow 2-3 business days. XX/XX/XXXX statement came in and I am still being charged 23.99 % interest on standard purchase. 

I'm not asking for something out of the ordinary. I made a charge, I want to pay for the charge, I called my creditor to get the exact amount to pay and made payments towards the charge that day over the phone with the representative. When it was not taken care of, I called again. All I expect is to have my payments properly applied and to be charged interest accordingly. 

I don't know what is going on or what scam CITI bank is running but if they are doing this to me, I'm sure there are many other customers who are affected like me. 

I just need this resolved correctly and immediately because obviously, reaching out to CITI does not solve my issue.

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 2021-04-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I received an email stating that Im no longer able to use paypal or its services. They put my money on hold for 180 days for reasons they could not explain and that I have to wait 180 days. Ive used this service for many years and this is the first time Ive ever had to experience this all because my significant other sent me money that they owed me. They completely blocked my account and Im unable to even transfer my money to my bank. I have not violated any of their agreement terms so Im not understanding why I am no longer able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Commonwealth Financial Systems, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: ERC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had these loans for over 10 years, and the servicers have changed twice. What has not changed is that using their websites to setup automatic payments or make payments seem to be designed to be difficult. For example, I am trying to refinance the loans now with XXXX XXXX, and the Navient site does not produce a proper statement that would give a refinancing institution the necessary info to confirm payoff and status. 

Several times in the past I paid over my minimum payment to try to pay down principal more quickly, but always had to jump through several hoops to get the payment applied to principal. Their defaults for payments are in their favor, and if I did not message or call them after every payment, they were made towards interest so that they would continue to earn more interest over the life of the loan. Even now with my automatic payments I am reflected as " paid ahead '' instead of payment amounts going towards principal wholly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Of the XXXX credit reporting agencies at www.annualcreditreport.com, only XXXX will let me access my information online. 

EQUIFAX will not allow me access online. First they ask for information which you would need the credit report to know. What is more alarming is they asked me to answer which company I got a mortgage from in 2015 to verify my identity. I did not get a mortgage in 2015! Now I ca n't get access to my credit report to see if there has been identity theft! To submit a request for my EQUIFAX credit report through the mail will take weeks, at best. 

XXXX is even worse. Submit a request for the annual free credit report via www.annualcreditreport.com for XXXX, and you get a full-screen solicitation to purchase XXXX credit monitoring service for {$19.00} a month with NO OPTION to go beyond that page except accepting the free trial offer, which brings you to their enrollment for credit monitoring page. You simply CAN NOT access the XXXX credit report from www.annualcreditreport.com. They not only wo n't provide my credit report, as required by law, they TRY TO SELL ME SOMETHING INSTEAD! Unbelievable!!! 

Please enforce the rules requiring the credit reporting agencies to provide a free credit report to consumers each year. 
Consumers should not have to jump through ridiculous hoops and wait weeks to get what is rightfully theirs by law. 
I also think it is vastly inappropriate to have solicitation offers be linked or connected in any way to www.annualcreditreport.com. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions 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 upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.

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 2020-08-09
Company: EQUIFAX, 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 upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
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 upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.

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 2022-12-14
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got a letter in the mail stating I owed a debt and this company wanted the money because they purchased the debt. I replied asking for account details and also sent a letter asking them to stop calling my personal number as they were calling multiple times per day, every day. I sent all of this registered mail and made someone sign to pick it up. I then got a letter back with account information that was from an old credit card debt, so I know they got the packet I sent, yet they still call daily even after being asked to stop. I have contacted my local XXXX XXXX and gave them a copy of the original letter so that I have legal back up and so they could provide me with the legal steps to follow to prepare to file suit due to this company 's blatant attempt to ignore my cease and desist letter. 

The tracking number for the original letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX That was mailed on XX/XX/2022 to Credit Control , LLC.

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 2020-08-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my Citibank account via chat as I had switched my primary bank account relationship to XXXX XXXX, which is a good bank with good people and processes. In the chat, I indicated the specific account number and made my request clear. The live chat representative asked if I would like a check or a transfer for the remaining balance in my account. I replied saying check. In my reply I asked a confirmation that my credit card account won't be closed ( which I assumed it would not be since the chat previously asked me to confirm which account I was talking about and I selected my checking account ). At some point I exited the chat and didn't see the follow-up message from the rep which asked for a confirmation of my contact information in my account profile ( which was up-to-date ). 

I later realized that I had continued to be charged $ XXXX/month for a low balance. I signed on to chat again, because I didn't want to wait on hold to speak to someone on the phone nor risk getting COVID-19 by visiting a branch. I was told that because I didn't confirm the contact information ( a message I *never saw because I had left the chat by then* ), they had ignored my request. At this point I'm requesting a closure of my account and a full refund of all 8 monthly service fees of {$25.00} ( total of {$200.00} ). If Citi really wanted additional confirmation that I wanted to close my account ( beyond my writing " yes could you send a check, that'd be great '' ), they could have called me, emailed me, texted me, etc. But they didn't, despite my providing an unambiguously clear indication that I wanted to close my account. I think this is a trick and effectively a fraudulent way for them to keep my account open and charge me fees. This is akin to being asked " hey did you want your check in a green or blue envelope '' after the account holder leaves the chat and using that to justify keeping an account open because the customer never answered what color envelope they want their check in, despite the customer 's written request being unequivocal. 

In addition to the compensation I am requesting to make me whole for Citi 's deceptive behavior, I believe that Citi should be required to change its procedures so that this doesn't happen to any other customer in the future.

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 2016-05-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I opened a new account with Barclay Bank XX/XX/2016. 
And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards. 
After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ... 
I told them I was just paying one of my XXXX XXXX cards. 
So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well. 
So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer. 
Every time I called in they are rude and give me all kinds of ridiculous excuses. 
I already send the documents twice and they still do n't want to honor the 0 % balance transfer. 
It seems to me that they are trying to pull some type of bait and switch deal on me. 
If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports? 
If they are not so sure who I 'm why give me a credit card in the first place? 
It make no sense to me ... 
I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.

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 2020-08-09
Company: Vital Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
his started when XXXX XXXX sent my account to a collection Agency called Vital Recovery Services. I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when Vital Recovery got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to XXXX XXXX, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is vital Recovery etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to XXXX XXXX for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo continues to report an unresolved auto loan balance on my credit report that is not my responsibility. I have contacted Wells Fargo about this on numerous occasions, and provided them with the court documents which transfers the liability, but they refuse to take action.

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 2017-06-08
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : My client is selling his home in a short sale. The bank accepted an offer of {$130000.00} they wanted a net proceeds to them at {$120000.00} and they wanted an additional contribution from the seller of {$15000.00} which he could not pay. The buyer was willing to pay the sums under the contract plus the {$15000.00}. The bank refuses to accept the offer even though they will be made hold. The seller is going to have to pay moving expenses to relocate and pay rents and other bills. He does n't have the means to pay the {$15000.00}.

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