BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can not log into the MyEquifax site. ( https : //my.equifax.com/ ) Error message provided every time is " We are temporarily unable to complete this request. '' I called them and went through some troubleshooting processes with no luck. They told me to try again later. Its been a week and its still giving me this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They are reporting to my credit that I have late/missed payments when this was discharged in BK in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Upgrade, Inc.
State: UT
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:
a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a security freeze with Sage Stream on XXXX XXXX but havent received a PIN number to unfreeze or any confirmation number. Im having a problem establishing new credit now because I cant unfreeze my consumer report with this company so my identity is hard to verify. Ive called so many times but its automated and Im not able to speak with a human. Ive even requested a replacement PIN number on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a joint checking account holder with my elderly mother, XXXX XXXX, for over 15 years. She lives an hour away from me ( I'm in XXXX Ohio, she's near XXXX ). When we opened the account, it was with XXXX XXXX Bank. The bank has been acquired several times ( XXXX, XXXX, XXXX ) over the years. In about XXXX, my mother became unable to manage her own finances, and asked me to help. This included paying bills, taxes, etc. from the account on her behalf. She has also received her monthly social security and small annuity payments into that account automatically, and had her Medicare premium ( and other bills ) auto debited from there. I'm not near her branch, so I've used online banking and paper checks to manage her obligations ( she doesn't have a debit card, nor do it, for this account ). I'd handled these tasks from Summer, XXXX until I ran into the issue I'm describing in XXXX, XXXX, after Huntington had acquired XXXX and began to migrate XXXX accounts into its own online banking platform. 

I first attempted to access my mother 's and my joint account via the Huntington platform in mid XXXX, at which time I entered the account number and requested social security number. I was then prompted that they would call me for multi-factor authentication, but the number they indicated they'd call has long since been out of service. At the time Huntington acquired Chemical Bank, Chemical Bank did have the correct number, so I'm not sure why the other number was the only option for authentication. My only option online after that was to call Huntington 's perennially understaffed call center. I have tried XXXX times since XXXX. Each time, I've been told by an automated voice that " call volume is unusually high, '' and not even given the opportunity to wait in queue. Instead, I was prompted to call back at a later time. It is now over a month since I could last access this account. During that period, I've had no way of paying a number of bills, etc. 

I've also tried to work with Huntington 's chat bot online and the phone app. All roads always lead to calling the call center with its perenially, " unusually high call volume. '' In the meantime, I'm unable to pay my mother 's bills ( including her room and board at the XXXX XXXX and prescriptions ) or access the account at all. 

Again, I live an hour away from my mother. I do not have a debit or credit card for this account. She lives in a XXXX XXXX, is basically immobile, and is mildly, cognitively impaired, so she does not and will not attempt to manage her affairs. The fact that Huntington has set up this number of roadblocks using outdated information, with no way around calling an ineffective call center seems a little ridiculous to me, and certainly not customer-friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in XXXX and on XXXX XXXX someone ordered a phone and service with XXXX XXXX. I filed a police report with the XXXX XXXX. I have made numerous calls to XXXX and to Equifax and the Credit Inquiry is still showing on my credit report, now more than 90 days later. I can not get either company to remove this inquiry off my credit report. Equifax tells me XXXX must do it ; XXXX tells me Equifax must do it. I need this removed. This is very stressful as I have to continue to call both companies and find no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I finally received an EIEL Loan, after nearly a year. When the money was deposited to my account, I started paying off debts, etc. For the last year, my brother has been paying my bills and leant me money as well. I wrote him a check for {$13000.00}. We both bank at SunTrust Bank. This should not have been a problem. The next morning my account was frozen, and later, terminated. No explanation given. I spoke with at least 20 people with SunTrust, no one knows anything ... .. someone initiated this action, yet no one knows anything. My life has been turned upside down ... .. they say an explanation will be given, only after a review. I have no access to money, no credit card. I have bills, just like everyone else. This is the kind of stuff that happens in third-world countries. Anything you can do, would be appreciated. Thanks, XXXX 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 2016-09-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX i contacted Suntrust about an online purchase attempt i made on XXXX XXXX with XXXX XXXX  in the amount of {$96.00} and explained to a Suntrust representative that transaction was cancelled by XXXX XXXX on XX/XX/2021, i never received the product, I spoke with XXXX XXXX and was told Suntrust has done this to many customers in the past, where the bank will keep the refunds to add on to their profits in hope that the customer will give up.

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 2015-07-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: CORELOGIC INC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2021 I signed and personally delivered to Truist XXXX, XXXX XXXX XXXX, XXXX, GA my signed XXXX XXXX XXXX Notice which will be attached to this complaint. The XXXX XXXX XXXX after an hour of determining what to do with the document, handled the transmission of the document to the appropriate department. The bank ignored this XXXX of XXXX and reported the loan to all three credit bureaus on XX/XX/XXXX. The HELOC was new and not a refinance and therefore complies with the XXXX day right of recissoin and nothing should have been filed or opened until XXXX XXXX, 2021. The Bank also filed as of XXXX/XXXX/XXXX1 the Security Deed against my property. Recorded in Deed XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The bank is aware of the issue because it has assigned someone from its XXXX office to investigate. The bank is in violation of XXXX XXXX. The bank is not doing anything to clear this matter except talk.

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 2021-03-18
Company: Experian Information Solutions Inc.
State: UT
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:
a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.

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 2018-12-01
Company: LCO Financial Services, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took a {$400.00} loan out with Blue Trust Loans. It was explained what the payment plan was to pay off this amount. No explanation of interest amount was shared with me. Only thing explained was that a payment of {$75.00} would be my first payment and 6 additional payments of {$100.00} would be taken out of my bank account. After the XXXX full payment is made, the loan would be paid in full. I spoke with a representative of Blue Trust Loans tonight, XX/XX/18 and was informed I still have 6 more months of bi-weekly payments of {$100.00}. I explained to the gentleman that they did not fully explain that I would be paying over 400 % interest on a {$400.00} loan. There is no way possible I would take a loan out with interest that outrageous. The dates they have received payments are as follows : XX/XX/18 - depositedv {$400.00}, XX/XX/18 - withdrew {$75.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}. Again, all they ever explained to me was the 1st payment of {$75.00} and 6 additional payments of {$100.00} and then the loan would be paid in full. I feel I am a victim of fraud by this company. If, at all possible, help me resolve this issue, as I feel I should not have to pay the outrageous interest they are charging me. I have already half the amount in interest on my {$400.00} loan and feel that is adequate.

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 2021-03-18
Company: Google Compare Credit Cards Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ever since there were problems with my card family members kids making purchases by accident I can not buy anything any coins or anything on the game

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

Complaint:
I previously submitted a complaint regarding a IRS Withdrawl for XXXX which should have been deleted from my Credit File relating to Lien XXXX. 
Equifax claimed in there last response below that is was deleted from my file. However the XXXX is still appearing on my credit report and is drastically affecting my credit score which is causing a major hinderance in obtaining new credit. 
XXXX is part of XXXX and was reporting as a duplicate on my credit report from the beginning and needs to be deleted. This has already been Withdrawn by IRS. 
IRS Serial Number for Release & Withdrawl of this included amount of XXXX is Serial Number : XXXX. 
Also, they retaliated with my prior complaint and reinserted XXXX prior State Tax Public Records which were previously deleted. This is blatant Credit Discrimination in itself and I am requesting the XXXX Public Records be removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account # XXXX I paid for 1 month of service when they came to do the install. I received poor service and cancelled it within that first month. I had no contract for extended services and we returned the equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. 
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. 
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. 
I want this removed from collections and I want southwest to delete it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back on XX/XX/2020 I send in additional PRINCIPLE ONLY payment of {$45000.00} which XXXX XXXX XXXX mis-applied to future monthly payments. Only after previewing the payment history I made contact with XXXX which did admit fault and finally did a reversal on the payments and re-applied to the principle payments only. XXXX for some reason canceled my auto-pay monthly payment setup and received a foreclosure letter in the mail that I was two month delinquent which I promptly got current. Meanwhile the supervisor at XXXX promised me that he would talk personally to their credit dept to make contact with the credit bureaus to make sure my credit score was not effected just because of their fault. I checked with credit and I had a high XXXX credit rating and my wife XXXX credit rating which now is low XXXX 's and cant get anyone at XXXX to make the correction. I had been dealing with a XXXX XXXX XXXX XXXX ID No. XXXX ) at XXXX that had made the promise he would hand walk their mistake through, which he has not.

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 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation