BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: GOLDMAN SACHS BANK USA
State: OH
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:
Apple, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I never gave consent for Barclays Bank to pull my credit report and I noticed a hard inquiry on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: OK
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:
I called XXXX, equifax, and XXXX to remove 27 inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be one inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to XXXX but does show up on my equifax report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX  XXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Hello, there 's a huge issue with rushcard. Since XXXX Monday most customers including myself have n't been able to access their money. direct deposit are not posting, accounts are locked or blocked, accounts are deactivated ( including mine ). Ca n't withdrawal, transfer or make purchases. Rushcard had a maintenance update lasting until XXXX pst ( yesterday ) .The customer service phone number is providing inaccurate balances, saying the account # is wrong and now my account is deactivated When you select the prompt to speak with an agent the phone rings twice and hangs up. There is no alert or update when you call. payments are bouncing left and right for everyone. I ca n't take my daughter to daycare because all my money is tied up in the Rushcard. I ca n't go 2 work either. I 'm low on gas and food. There is no news or updates about this issue no ETA. We 're all being left in the dark. My direct deposit is suppose to hit tomorrow but from XXXX other customers, it sounds like that may not post. I do n't have the luxury to have extra money in hand. My fiance and i are living paycheck to paycheck and rushcard is making it very hard right now. Rushcard is n't going to help me if I lose my job for missing to many days of work..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On Saturday, XXXX XXXX, 2015 at exactly XXXX Pacific time I was trying to withdraw funds from my rushcard account using an XXXX XXXX XXXX XXXX XXXX ATM. When the money was supposed to be dispensed from the dispenser the dispenser malfunctioned and none of my funds were dispersed. I contacted the help desk for the ATM machine itself and was told by them to file a dispute with Rushcard and they would gladly return my funds to my card. I proceeded to contact Rush card member services and never got through to anyone after having made more than XXXX attempts. I finally got a hold of someone on Wednesday who told me they would escalate my issue and get back to me. The next day I called again and was told by a supervisor that they did not show that my issue had been escalated and would be escalating now. I called the next day and spoke with another supervisor who said they needed to get me over to the disputes department and I filed a dispute on this issue and was told to expect an email within 1 to 3 hours with the dispute form attached and to fill it out, sign it, and fax it in with the receipt from the ATM. After allowing a whole day to go by, I still have yet to see an email with the dispute form. I did the exact same thing the next day and was told the exact same thing and got exactly the same results as the day before. I still have yet to get help with getting my funds returned to me and I am fed up with this company and their lack of effectiveness. I mean we 're talking about almost {$500.00} I 'm out of because of their lack of help with my issue and all they had to do was dispute this issue from the start.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.

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 2015-10-13
Company: Empowerment Ventures, LLC
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
2 weeks ago Rushcard informed its customers that they will be having a maintenance update on XXXX XXXX from XXXX to XXXX, OK they informed us to withdraw any money from our accounts that we would need in that time frame by XXXX ( XXXX ) because during that time we would not be able to withdraw, transfer or deposit and funds to the accounts. OK here 's the problem it 's exactly XXXX on XXXX XXXX and Rushcard is still so called updating, I had {$410.00} in my account before this but now it has magically disappeared, I 've emailed them, called them and pm message them several times since yesterday XXXX XXXX around XXXX, when I try to log in using Rushcard mobile app its states either they could n't recognize my card or its locked and now they 've blocked my card it states to call customer service to have your card unlocked or unblocked but when I call I either wait on phone for over XXXX hours, or get hung up on.this is causing me a lot of anxiety and stress I have XXXX and its making things worse for me. If you get on Rushcard fb page its a lot of people going through the exact samething as myself, money missing, ca n't log on mobile site or online site, getting hung up on and we 're not getting any answers so something needs to be done, because they 've taken my money and want unblock my card so someone please help not only me but to everyone else that 's going through this ridiculous situation with Rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

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 2022-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our current home in 2015 for {$170000.00}. We currently owe {$130000.00}. That's an XXXX of XXXX XXXX from the original purchase price. According to the cfpb website the servicer is required to drop the PMI at XXXX XXXX original XXXX. I called my servicer and asked why they hadn't dropped my PMI. They told me they weren't required to. I told them according to cfpb they were required to. The person asked his manager and they confirmed that they don't need to drop it at XXXX XXXX of the original XXXX. They also told me I needed to submit a signed request to drop the PMI. They would then review it and decide what came next.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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: Old information reappears or never goes away

Complaint:
I had a account witth XXXX paid in full that I closed on XX/XX/2005 It still shows on my exuifax credit report. I was told the limit was 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Home Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have been approved for a Loan and three weeks later still do not have it ( see below ). We did supply all of the requested documents. 
Please help! 
XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to me Hi XXXX and XXXX Your loan is approved! We have the following conditions in order to clear the file for closing. Do you think you might be able to provide by close of business tomorrow? 
Letter from XXXX stating your intent to retire XXXX/XXXX/16 Can you access the gmbenefits site and get an update printout on pension benefits? Underwriter is looking for something more recent than XXXX Copy of account statement reflecting earnest money has cleared your account/copy of the cancelled earnest money check would be sufficient Letter from estate attorney explaining the deposit of XXXX from the sale of property Name and number for insurance agent Signed attached form XXXX XXXX XXXX XXXX Mortgage Loan Officer HomeServices XXXX LLC XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX Office ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX | Fax ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX If this email was sent to you as an unsecured message, it is not intended for confidential or sensitive information. If you can not respond to this e-mail securely, please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from HomeServices XXXX LLC, click here : XXXXXXXXXXXX HomeServices Lending, LLC does not offer loans in all states. 
Licensed by the Department XXXX under the XXXX Mortgage Lending Act. XXXX XXXX Mortgage License Number : XXXX. Regulated by the XXXX XXXX XXXX XXXX XXXX. Licensed by the XXXX XXXX Bank XXXX to engage in business XXXX, License # XXXX, Expiration XXXX/XXXX/16. XXXX XXXX Mortgage Licensee XXXX. XXXX XXXX Mortgage Company, License Number : XXXX. XXXX Mortgage Loan Act Certificate of Registration : XXXX XXXX ; XXXX Mortgage Broker Act Certificate of Registration : XXXX XXXX. XXXX Mortgage Lending License XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 2016 HomeServices Lending, LLC. All XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$10.00} to XXXX on XX/XX/2020 MTCN : XXXX XXXX. The recipient can not collect the money and Western Union is not refunding me. No reasons given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: GOLDMAN SACHS BANK USA
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 information incorrect

Complaint:
I purchased a XXXX XXXX  and paid for the part up front and put the rest on the balance on a new Apple GS Bank  credit card. Unfortunately, I had to return the XXXX XXXX  about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Be ing that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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