BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I tried to access my credit reports online using the Free XXXX XXXX XXXX  website on XX/XX/2021 and on XX/XX/2021. During XXXX all credit reporting agencies are required to provide weekly reports, yet Equifax denied my request both times stating that online delivery is unavailable to me. I have every right to access my credit report online, and I expect this issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX, XXXX : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.

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 2019-02-14
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am requesting the removal of all Fraud alerts from my Credit Reports. I would also like the removal of the following addresses from my profile they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX, XXXX P.O. BOX XXXX, XXXX, WV XXXX MY CURRENT PERSONAL BUSINESS ADDRESS IS : XXXX XXXX XXXX XXXX XXXX ARG, XXXX, OH 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 2023-02-18
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, My parents and I had to apply for a private loan because my older brother and mother used up federal funds and/or they made too much money. I have just over 30k in a private student loan with Sallie Mae. I attended my college through summer of XXXX, paying out of pocket for the summer classes. I had every intention of returning to XXXX  to finish my degree once I was able to get my issues worked out. I was not working or barely working because my parents moved out of state ( far ) and in the country where jobs are limited. I had my loans on deferment for as long as they allowed. I was not unable to return to XXXX because they closed. My credits were not transferable and I had only finished my freshman year of college. I have tried to make arrangements with the loan servicer but every time I call they will not help me at all. I know that if a school closes, federal loans can be forgiven if you apply but my private servicer will not help me in any way. I went back to school for a bit but found an opportunity in skilled trades. I am just starting out and had to move for this job. I bought a townhouse, have a car payment, utilities, credit card payment, gas, food, a dog ( food, medical care ), etc and I live alone but am searching for a roommate unsuccessfully. I am unable to make {$400.00} plus payments a month and survive much less live. Also, I am behind 2 payments currently and my parents are co-signers and are not in a position to help me financially but it is also affecting their credit negatively. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: NCB Management Services Inc.
State: TX
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:
This company shared my account with a third-party collection company ( NCB ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to NCB and now NCB is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but XXXX disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from XXXX and NCB XXXX & FTC report filed last year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX EST So I called Citi and somebody asks me why I am disputing I attempt to read to them the refund policy of the website and immediately met with hostility by this women who interrupts me and starts talking over me. I told her I am done talking to her and asked her name, she refused to give it to me and kept babbling on some XXXX about how she was trying to help. This is tortious interference, customer service acting like fools and waiting time, making it impossible for me to reasonably launch a dispute.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXO 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.

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 2023-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I reviewed my Equifax Credit report and noticed that their were inquiries that I did not authorize. 

I wrote to Equifax on XX/XX/2022 via certified letter and asked them to investigate the inquiries that I did not approve. Equifax received my dispute on XX/XX/2022 and sent me a copy of my credit report dated XX/XX/2022. 

In this report they only indicated that inquiries are a " Factual Record Of File Access and Will Remain on the Equifax XXXX XXXX for XXXX Years. '' In my initial letter to them I specifically let them know I did not authorize these inquiries pursuant 15 USC 1681B ( C ) ( 1 ) ( A ) ( B ) ( 1 ). 

I sent them a second letter dated XX/XX/2022, via registered mail, in which they received it on XX/XX/2022 ; requesting that they reinvestigate these inquiries. 

Furthermore, they do not have my correct name on file. I sent them a copy of the first page of the credit report showing my name is not correct. I am a female and not a male for them to have " XXXX '' after my name. My identification was enclosed with my correspondence. This is what makes me concern, that they are supporting inaccurate information to be reported on my file, when the actual document was enclosed. 

I have not received any response from them to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Recently opened a fraud investigation for XXXX totaling over {$11000.00} from 6 charges that I did not make. Discover has recently asked for more information and I did speak to them on the phone. Just today they reversed a XXXX charges a $ XXXX temporary credit was reposted to my account without any notification why. There are still XXXX that are still temporary after 3 weeks into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
EXETER FINANCE COMPLAINT I requested a COVID relief forbearance back in XXXX, and was able to get a brief reprieve. Once that expired, I called on XX/XX/2020 requesting a regular payment plan, and talked at length with the agent, who was very empathetic ( very long conversation ) ; and he also escalated the request to his supervisor who advised that she could approve a payment plan after at least one payment. I did so the following week for the full monthly amount in good faith ( with the last monies I had from a partial paycheck ). 

I called again on or about XX/XX/2020 to request the forbearance, referencing the directions the supervisor told me to do from XX/XX/2020, and was told no and that I needed to make a double payment. I advised them to go back and listen to the recorded call from XX/XX/XXXX to confirm the commitment to me, and asked for a follow-up and for my arrangement. I was told that a manager would call me back. To date, I have not received any call or consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: TN
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:
INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I Did not work for 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 2023-08-17
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX 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 an account without my written instructions.

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 2023-03-03
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last year I was awarded 100 % XXXX from the VA. Because of this, I no longer pay property taxes in Texas on my homestead property. In early XXXX I was notified by XXXX XXXX that my mortgage servicer had requested this information and had received it. In early XXXX I notified Freedom Mortgage that I had changed insurance companies and that bill lowered from $ XXXX to $ XXXX and I was seeking for the mortgage/escrow to be adjusted appropriately. 

I sent another message a week later ( after no response ). Last week they notified me that my payment would be adjusted in XXXX ( it has been ). In XXXX, the balance of my escrow was {$4800.00}. New insurance was paid for ( - {$1300.00} ) so the balance should have been {$3500.00} of which I requested be refunded. 

It is now XXXX and the escrow account shows that it is low, there is no disbursement note on the account, and I have not received return of my funds. Company has not responded to my email as of this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Carvana Group, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I placed an order with XXXX for a XXXX XXXX. Total price {$23000.00}. It was to be delivered XX/XX/XXXX. I gave them bank details so they could verify I had funds available. They processed an ACH and funds were taken XX/XX/XXXX. On XX/XX/XXXX XXXX told me that due ti delivery problems the car would now come XXXX. I inquired about my funds and was told that if I had to cancel the car an ACH would be processed right away, no delay from XXXX. On XXXX XXXX delivered the wrong car ( different color and XXXX more miles ). Delivery man confirmed the car was wrong said he would be back in 2 hours with correct car. An hour later he called and said the pictures of the car online were not reflective of the one he had to bring me ( stained interior and many scratches on exterior ). I told him I wanted to cancel and get my money back. He agreed. I had a chat with a live representative that afternoon confirming the cancellation and my refund amount. On XXXX I called XXXX to reconfirm as the amount was not in my bank yet. While the customer service person could see the cancellation he noted that a refund had not been processed. I asked for a wire transfer. Representative called me back and said that a refund had been started but that their system would only allow an ACH refund and nothing more expedited even though they acknowledged they were at fault in the delay. I think it is unfair that XXXX took my funds without delivery when they could have just checked availability or taken a down payment. I think it is very unfair that after recognizing their error in not initiating an ACH on XXXX as promised they did not spend the extra dollars to send me a wire rather than another delay with the ACH process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: PA
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:
After reviewing my credit report, I notice a few tradeline accounts that were not removed from my credit report. 

On XX/XX/2019 a claim was submitted to the CFPB claim # ( XXXX ) for fraud on XXXX. After a review with the Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX. It has come to their determination that Based on a preliminary investigation, FedLoan Servicing submitted a request to the nationwide consumer reporting agencies to remove the loans from my credit report per their full investigation. 

As of this XX/XX/2019 these trade lines still appear on my credit report with equifax. 

Please email me proof that these items were deleted from my credit report. 

XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation