BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NO response from this debt collector. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 VIA USPS certified mail. You can track this package using THIS tracking number. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MS
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:
I had an excellent credit rating XXXX XXXX XXXX... XXXX ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high credit score and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by 3 loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX.*Lack of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had 5 mortgages, approximately 10 car loans, at least 10 installment loans for various items ( snowmobiles, jet skis, XXXX golf cart, storage building, etc. ) and close to 50 different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all 3 major credit bureaus, the 3 loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and XXXX yesterday for XXXX XXXX  ... transferred XXXX XXXX XXXX. requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX ) ... which was my LAST name for XXXX XXXX XXXX  XXXX ). I also remarried in XXXX and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's License Bureau with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX XXXX XXXX XXXX XXXX XXXX. with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CL Holdings LLC
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint has already been submitted XXXX, very dissatisfied with their response .I feel they were fraudulent or incompetent! They had all documents and it was understood that insurance and taxes were to be included in my mortgage payment .I was lead to believe {$1500.00} would be my bottom line payment.Someone on there end messed up bad and am I to pay for their mistake .Clearly they knew I wanted escrow to include fire and home owners insurance along with taxes .They had in there possession on XXXX  XXXX 2021. Why was fire excluded? I only found out because Ca .Fair plan contacted me informing me my policy would be cancelled in days if they did not receive payment .I informed them to contact Loan Depot about this. I did ended up paying {$1700.00} at this time but will be stuck adding {$140.00} month for the duration of this 30 yr loan .This seems illegal to misrepresent loan this way .What is my next step .Is there another agency to report this to. Do I need a lawyer, trying to avoid that. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called  the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax,   XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time  feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application  ID number has to be  resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add 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 2015-05-02
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is a lawsuit pending. I spoke to the attorney and mentioned an attempt to pay and the gentleman on the other end refused my payment ( in full ) and promptly hung up. I 'm working with the attorney to resolve the situation, but continue to receive hang up calls during the day. They call during various hours of the day and hanging up. 
Most recent dates are XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the USDOE/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 and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as to remove these lates however, I have not been successful.

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 2021-03-03
Company: FinCo Services Inc DBA Current
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on Sunday, XX/XX/2020, i realized that i had lost my debit card, my phones and my wallet. i contacted my bank immediately the next day with my mother 's phone to contact my bank. the name of my bank is current. i explained to my bank that someone had used my debit card and that this person was still using it. he wanted to charge me almost {$5.00} to send me a new credit card but then they changed their mind because they realized that another person was using it because when i contacted him via chat. their phone number doesn't work. i explained to current the transactions i didn't recognize and they said they would look into it. they contacted me today via my email address and told me they saw no error. i am shocked by their response as i showed all the evidence i had in my possession to show them that i was a victim. i hope you can help me get the refund of about {$1800.00} that was stolen from me. thank you in advance for your help. have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company is a hotel, with about XXXX active employees. We are a family owned business and we operate the hotel. We are not a huge hotel we are a XXXX room XXXX star hotel that has its daily struggles and sometimes need loans from my credit card to keep going. 
On XX/XX/XXXX our company received an XXXX loan. We used a part to pay some A/P. Another part was sent to a different account to be kept in separate accounts the next month on XXXX the amount was returned to the original business account to be used for approved expenses. FastTrack to XX/XX/XXXX. Our company 's account is frozen due to " questions '' regarding those transactions from a year ago. I had my employee 's payroll money in the account. I had to get a loan to be able to pay my employees. The loan is like a payday loan huge interest. I called the bank and asked them about this this issue. which they told me, " its under investigation ''. I told them I agree and I am happy to provide any documentation just please unfreeze my account so we operate the business from it and pay my staff. Bank did not care they simply told me tell your staff its under review. We employee $ XXXX staff. They use their paycheck to pay for rent and food. it its not like I can tell them " he guys come next week for your dinner at the XXXX ''. I am fully aware and i agree if there is any suspect of fraud it needs to be investigated. I just see this as a huge abuse by the bank. They have not contacted me nor provided me with any documents. I was just told to email a email address provided after about 40 min on the phone. i will provide any requested supporting documentation i just need to be able to use my money and my account. especially after the winter storm our business had several issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied ( in-store ) for a Macy's-American Express card back in XX/XX/2016. I have perfect credit, no history of any late payments and what is considered " excellent '' credit. Two I received a general decline letter from Macy's-American Express stating my application was declined for " Insufficient Credit Experience. '' My credit experience is OVER 24 years and I have current, open and active loans and other credit cards. I called the number on the letter, I was referred to another number. Then the representative " XXXX '' could not answer my question on how to address having perfect credit and getting declined. She said my credit report came back blank and could only refer me to XXXX, to obtain a copy of my credit report. I then called Macy 's Corporate/Executive office phone number. I was placed in contact with " XXXX '' at extension XXXX. She called when I did not have a copy of the letter sent to me in hand. She provided her name, callback phone number and extension. She asked me to call her back when I get a copy of the letter. When she called, ( XX/XX/XXXX or XX/XX/XXXX ), I was out of town. I returned home after XX/XX/XXXX, called her back and left her a callback voicemail. On the prior call, she stated there was a " code '' on the back of the letter and she needed that to explain the correct reason for the declined application. I have called " XXXX '' back twice and have not received ANY phone or written communication in response. My issue is that I have active and current credit. I was declined for an incorrect reason and I want the application corrected and a full explanation of what happened.

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 2015-05-04
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received a letter in the mail that my credit limit had been reduced. Macy Department Store is reducing peoples credit, the reason is they say there system automatically reviews the account every XXXX and it 's based on information they receive from XXXX every month. I think this is crazy and who gives them your information on other credit you have every XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid off my balance on XX/XX/2021 but they refuse to make my credit available after contacting them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attempted to rectify this situation for two-three years. This company claims I owe a company called " XXXX '' {$1600.00}. I have never had an account with XXXX. I called Midland directly I have sent verification requests. The company sends a printed copy of their records, but they have never sent a statement from the company they say I owe. I finally found out XXXX is XXXX. I called XXXX directly who states they have no record of an account owed under my name. I called Midland to inform them of this, and they continue to refuse to remove this item from my credit report. I have never received anything indicating this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been an American Express client and credit card holder for over 30 years. 

In the past year a promotion was offered a separate Am Ex Gold card for my work. I am an XXXX and also have other work and private areas. The am ex offers an online chat line when you log in and identify your account and then they no longer offer any ability to receive a copy of the chat or even to receive a link or even to copy and paste the chat so they see and promise things that you can not even hold them to. 

For example, my credit line was reduced from XXXX to XXXX when they issued a XXXX card and it was for my work and not for me and despite promises to raise it the line of credit dept in XXXX is rude and often saying peculiar things and the XXXX gold card i cancelled and I was told they would raise the line of credit.. 
the customer service of am ex is terrible and usually you are sent to XXXX and can not even reach a direct line to the us I have tried on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.

Company response to consumer: Closed with explanation