BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: MA
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:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Allegiance Accounting Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had taken a loan out with XXXX  3 or 4 years ago. I was furloughed due to Covid and missed payments. The account was turned over to XXXX. I set up a payment plan with them where they wanted {$200.00} every 2 weeks. After being out of work for over 2 months, I fell behind on my payments because they are too much. XXXX XXXX from XXXX called my work number and told the person in our call center that she needed to speak with me. She was told that we do not take person calls. She told the co-worker that she had a complaint and judgement against me and that she needed to get in touch with me. My co-worker called me and I said I would take the call. I promptly told XXXX not to call me at work ever again. She said she would call my cell. She did call my cell, but I was still at work and unable to answer. She calls me back at work to tell me I didn't answer my cell. I told her again, DO NOT CALL ME AT WORK. She left another message on my cell. Today she called me at work again. I told her again, DO NOT CALL ME AT WORK. XXXX XXXX from XXXX  also called and left a message saying that I have 2 civil complaints and garnishment against my name and Social Security number. They have called me from 4 different numbers. # XXXX, XXXX, XXXX and XXXX. I am being harassed at my workplace which jeopardizes my employment. I have 3 copies of where XXXX has called me at work and a voicemail saved from her stating she wouldn't call me at work again, but she has called me at work twice since then.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-03-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I called hunter warfield spoke with XXXX XXXX  tried to resolve balance with XXXX XXXX, she was rude and also stated I had a judgement placed against me which i am unaware of. i asked to speak to a supervisor she became rude and stated '' he's just gon na state the same thing I'm telling you '' finally transferred me to XXXX XXXX after leaving me on hold for a long period of time. I made an offer due to my income I was willing to pay XXXX due to what I got on my taxes, I'm a single mom of XXXX. I explained to him I had to move due to my daughter having XXXX XXXX XXXX. I explained to them my taxes were XXXX and I was willing to give them the whole thing, knowing that this debt is 4 years old. he then returned to me that it doesn't matter how old the debt is the client will only take 80 %. After he told me that I asked if he could take my offer back to the client XXXX stated that " HE WILL NOT TAKE THE OFFER OF XXXX BCK TO THE CLIENT CUZ HE DOESNT HAVE TO ''. I felt there was no option but for me to file a complaint due to them being rude and unprofessional and untruthful in regards to the judgement. Tried to setup payment plan they stated that it would not update on my credit report, again I am a single mom of XXXX and my daughter needing the extra medical services due to her XXXX my finances are very tight. After speaking to XXXX he did no try to help me with this at all and he hung up abruptly with out hope to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CITIBANK, N.A.
State: MA
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:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from Macy 's. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2015-09-24
Company: BOK FINANCIAL CORP
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. 

Thank you for your time. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I signed paperwork from XXXX XXXX at m & t bank about changing my portfolio to lower my interest rate on XX/XX/2020. I signed everything that I was supposed to as I read about lower interest rates and was told a refinance wouldn't make sense as I didn't have anything to put with it but a change of portfolio would be better. The paperwork I signed had the effective date of XX/XX/2020 I have contacted the bank multiple times about being overcharged they stole money from me, as I have automatic payments for my mortgage coming out bi-weekly. They then sent me another set of paper work contradicting the previous paper work I signed having a higher interest rate and payment amount with effective date of XX/XX/2020 I contacted the bank and have been getting the run around. I have never missed a payment or been late in the XXXX I've had a mortgage I'm actually 4yrs ahead on my XXXX mortgage. XXXX XXXX threw her hands in the air when I called and complained about still being overcharged saying not her problem it's the mortgage department 's problem. In the meantime I've been overcharged twice and will probably be overcharged again on XX/XX/2020 I have spent hours on the phone with them, emailing them, and even going to the bank wasting my time, gas, money. Now they are saying if they are wrong there going to apply the extra money they stole from me and apply it to the principal of that loan like it's their money to decide how to spend it? I never gave them permission to take more then the actual payment and because they decided to steal from me it cost me some interest aswell on that account. I have all the paperwork and proof of this, I even took the contradicting paperwork to the branch and I spoke with XXXX who said she doesn't understand why they would do that and would look into what XXXX XXXX is doing. I'm still being overcharged which is illegal per cfpb and, fdcpa which I informed them I have to know these laws for my job aswell as others. I have been made to feel like I'm making this up and it never happened when I have the proof. I've been made to feel like I'm lying, and it's ok for the bank to steal from me. I put my money in the bank to keep it safe and the company that's supposed to protect my money is stealing. They only have wanted to argue with me when I call and speak with the mortgage department, the only people that have been helpful is XXXX and XXXX at the m & t branch in arcade who have said this isn't right and they have to get it up to higher people to fix this. However when the higher up people have contacted me via phone they say they haven't done anything wrong and are doing nothing to fix the problem.

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 2020-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX  who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. 

Meanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX  who last stated ( Monday  XX/XX/XXXX ) that I should have my credit by Wednesday  XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. 

My checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. 

I feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. 

I feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called the number that was sent to me via email for their protection time ( bluebird by amex ) yesterday XX/XX/20 spoke with a representative in regards to my account being " permanently suspended/locked for violating certain agreement section '' ( they gave me no date or when violated just stated it was due to a return policy ...? ), And I inquired about the entirety of my money when I deposited every two weeks from my previous job I worked XXXX XXXX at local XXXX. I had roughly $ 26-28 and change remaining on the card when it was locked as of XX/XX/20. The representative told me she can not " promise that I will be able to get MY money back, and there might be a chance that I might not get it back '' - due to unnamed reasons ... Which is completely absurd. I informed her I was going to be in contact with the XXXX, as well as Consumer Financial Protection Bureau due to this absurd situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: Midwest Recovery Systems
State: CA
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:
As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX  and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.

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