BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a signature loan with Penfed for {$10000.00}. My spouse passed away recently and I lost his income in addition to now having more debt to pay including $ XXXX in hospital bills and an extra car payment until I was able to sell our other car. My homeowners insurance went from {$1000.00} a year to {$2900.00} this year which was very unexpected. In XXXX I was XXXX as I am also XXXX and the stress of being alone and having to take care of everything was too much to bear. I reached out to Penfed in XXXX and after explaining my situation and at the customer service reps recommendation she sent me Hardship documents that I promptly filled out and returned 24 hours later. I got a confirmation email stating that I would be contacted via email when it was reviewed. After not getting any emails and checking online to see if there was any additional ionformation, I called Penfed the beginning of XXXX and was told that the file had just been assigned to someone and I should hear something soon. On XX/XX/XXXX I got an email stating that the death certificate was received and reviewed but nothing else. Today I called again and after being sent to several different reps I was told that since the loan was 90 days past due, I would not qualify for a hardship agreement. Then he put me on hold and told me that they were forwarding it for a 2nd review but he didn't have much hope. He was very negative and wondered why I had fallen behind and if I could make a payment today. It is hard enough and a very embarrassing situation to not be able to meet your debt obligations. I am upset with myself that I did not foresee any of this occurring but for Penfed to basically forget about me and then keep me hoping for a resolution while reporting the loan delinquent even when I was in application to 60 days past due does not appear that they are wanting to assist customers that are going through major financial hardships and why wasn't I informed of this 90 day rule to begin with? It seems like Penfed wants me to file bankruptcy as I informed the last rep that I was considering it as I am losing sleep and my health is once again suffering. My payment could be made more affordable if not for the 17 % interest rate as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization ( ref above complaints ). 
They sent me an email the other day saying that they need more time. Today I got the most insulting email from them yet, as follows : ____________________ Dear XXXX XXXX, Please accept my formal apology for the delayed response to your concern and we appreciate the opportunity to address this matter on your behalf. 

Please attempt to access the website again, the issue may now be resolved. 

If you are still experiencing technical difficulties, please contact our Consumer Services Team at XXXX. You will be able to speak with one of our representatives, 7 days a week from 8 am till Midnight ( EST ). 


Thank you for contacting Equifax, XXXX I Equifax Customer Care Team ________________________________________________ This is outrageous. I want this fixed RIGHT NOW. The NERVE of this woman to tell me that it " may now be resolved '' but if it's not I should call back to where I started??? REALLY??? 
And guess what, it is STILL not working. 

NOW. This must be fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a dispute involving Capital One and XXXX. 
Capital One in a letter, dated XX/XX/2023, notified us that the XXXX has responded and Capital One has accepted their explanation resulting in reversal of charges. I am objecting to the decision made by Capital One to close this case. Capital Ones decision was one-sided and is contrarily to the rules of evidence and has failed to request any documents from me in the course of its investigation. 
XXXX has {$6900.00} charged us for a rental property which we cancelled with their authorization and written consent. Now XXXX is refusing to refund us the {$6900.00} and Capital One has revered the charges without proper investigation and considering the evidence. We have communicated with XXXX and Capital One to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2023-06-13
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/ According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CCS Financial Services, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Rosebud Economic Development Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$350.00}, I am being charged 795 % interest!

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 2017-05-07
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called The Medical Business Bureau Since its affecting my  credit score with a  collection i do not owe ... i asked them to review the information on file and compare it to my social security number and they said it didnt match ... i asked them to have it removed immediately and so far nothing has been done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Over the past few months, I have encountered persistent problems in accessing my credit report, which I believe are a result of incorrect security questions being posed. Despite my best efforts, I have not been able to resolve this issue through the regular channels of communication with Equifax. 

To provide some context, I have been diligently attempting to access my Equifax credit report through the official channel, XXXX, as is my right under the Fair Credit Reporting Act. However, every time I try to retrieve my report, I am presented with security questions that appear to contain false or inaccurate information. This has happened consistently on multiple occasions, and as a result, I am unable to access my credit report. 

I have made multiple attempts to contact Equifax to address this issue, including sending letters and making phone calls, but unfortunately, my concerns have not been addressed satisfactorily. It seems that my inquiries have gone unanswered, and I am left without access to my own credit information, which is crucial for my financial well-being and planning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: LA
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 XXXX Account ending in 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. 

XXXX XXXX XXXX granted me a Forbearance XX/XX/2021 after a XXXX XXXX  XXXX XXXX I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all 3 credit bureaus demanding a reinvestigation and XXXX XXXX  stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX sold my loan to refrain from pursuing further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: EQUIFAX, INC.
State: GA
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:
When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: FL
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:
I'm a victim of identity theft. A Home Depot credit card was opened in XXXX XXXX without my authorization or knowledge. I have called and reported identity theft to Citibank who represents this card two times in the last year. Citibank calls me 3 times a day trying to collect a balance of {$600.00} that isn't mine.

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 2019-05-10
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: MS
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 paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was not accurate and improper use of my credit report, nothing was deleted. Additionally the creditor agreed to remove account and did not. The consumer reporting agencies which is transunion and XXXX did not properly conduct a thorough investigation for all information for account with XXXX XXXX XXXX : The status updated is not correct, status, balance updated, payment history on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my previous credit report and my new credit report to show how transunion and XXXX violated my rights.

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 2023-06-13
Company: EQUIFAX, INC.
State: GA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, GA XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXXBalance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported XXXX XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
State: LA
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 was checking credit reports on  XXXX / XXXX /  XXXX   and noticed that my scores had decreased by  XXXX  points. There has not been any negative changes with my credit reports. My scores should not have changed.

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 2017-05-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage on our second peoperty ( condo ) was sold to green tree and we became behind in payments. We went through modification but were denied. We submitted  XXXX  short sale offers which were never acted on by green tree. Foreclosure happened. We never received anything in mail explaining the short sale offer denials nor the foreclosure. For info i had to ca ll the county prop erty tax office. Our credit of course was dramatically impacted affecting many aspects of our life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen is  my loan servicer for my mortgage. In    XX/XX/XXXX   , they denied my application for loan modification. Instead, as I was not working at the time put me in an unemployment program which took my payment from {$2400.00} to {$2200.00}. As it was explained to me the difference in interest could be paid later and added to the principle. I was told after a year they would relook at the modification opportunity and if I was working I would probably be approved.   O n  XX/XX/XXXX  I calle d  XXXX  to look at refinancing my home. Finally, after 12 years of making my payments on time automatically out of my credit union account, I truly felt I was finally out of the water.   What the rep from  XXXX  told me was  Ocwen had  been reporting my mortgage being paid late since I opted into this program. She could not help me.   I never agreed to enter into a program that would report my mortgage being late, This would have ruined any chance of ever refinancing my horrible loan.I never signed anything agreeing to this as well, which  Ocwen  confirmed as they stated that could n't find any document signed by me.   This is n't the only tim e Ocwen hav e messed up on my payments. Fo r one year they impounded my taxes and home insurance from my checking account without m y authorization. I have always paid for my own property taxes and insurance. They eventually refunded the money they took and blamed it on a new system they had started using. Again I never signed anything for them to withdraw this money from my account.   I have sent a fax of notification telling them to remove these negative marks on my credit bureau. As my wife and my brother who 's a   XXXX   are also listed on the mortgage are also being negatively affected.   I need to refinance my  XXXX  loans that I originated back in  XXXX  and until these reports are removed I will be unable to.

Company response to consumer: Closed with explanation