BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
I have a my.equifax.com account. For XXXX yrs I have called to complAAIN THAT all of my accounts are gone. When I log in there is nothing for me to see.The accounts, car loans, credit card accounts etc ... all missing. I have asked them to fix but all I get is a case created and silence later on. For XXXX yrs this is gone on. I want it fixed so I can monitor my credit on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: AmeriHome Mortgage Company, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a delinquent tax due notice regarding my property for which Amerihome had purchased the mortgage. In XX/XX/XXXX, I contacted Amerihome and spoke with XXXX who indicated to me that my escrow account was incorrectly marked on their system as not escrowing for real estate taxes. Upon her research, she confirmed that my escrow was set up to include real estate takes and promised that the real estate taxes would be paid before XX/XX/XXXX. I confirmed that I had made all payments on time and had adequate funds in my escrow account. I contacted Amerihome again on XX/XX/XXXX after noticing that the real estate taxes still had not been paid. Another representative, XXXX, confirmed that the taxes had not been paid even though the account was correctly marked as escrowed for RE taxes and stated that the expected completion of the task was now XX/XX/XXXX but could not explain why the previous timeline had not been followed. I asked to speak with a supervisor - one was not available so she placed me on 24 hour call back. The next day, I received a callback from a supervisor who explained their tax department was struggling to match the legal description of the mortgage with the tax bill but could confirm the legal description included on the mortgage was included on the bill. He also told me to contact them on XX/XX/XXXX if I had not received notice the taxes were paid. I contacted them on XX/XX/XXXX as taxes still have not been paid and spoke with XXXX. She confirmed taxes still had not been paid and was unable to give a timeframe of when it should be completed by. I asked for contact information for the department working this but was denied access to that. As a member of my community that respects everyone paying their bills on time, I am being harmed by Amerihome Mortgage Company , LLC and XXXX XXXX Bank due to my real estate taxes not being paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Company continues to report inaccurate information to my consumer 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 non-monetary relief
Consumer complaint received 2019-01-07
Company: Bread Financial Holdings, Inc.
State: CA
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 a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : XXXX   XXXX, ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I was on the XXXX XXXX website purchasing three airline tickets for {$1100.00}. When it was time to pay there was a credit card offer showing to apply for an XXXX XXXX XXXX card with Citibank. The offer stated I would receive a {$400.00} statement credit. I clicked the button and a new window popped up. I started to fill out the application and the website said it looks like you are already a Citi cardholder and to sign in to make the application faster. I did that completed the application and was approved. However, I was never given a button to click or anything to go back to the XXXX XXXX site to finish paying. I also never received a virtual card either. I did receive email stating I was approved. 

I had to pay for the tickets, or I would lose them. So, I decided to use my other Citicard so I could show Citicard I still used their company to pay for these tickets. I called XXXX XXXX to tell them what happened. The blamed Citibank and transferred me to them. After being on hold for 30 minutes, Citibank said they can not help me and blamed XXXX XXXX. 

About a week later I received my card. I called XXXX XXXX and explained what happened and asked them to put the airfare on the new card. They said they can not. I then called Citicard and they said I have NO statement credit offer at all and there is nothing they can do! 

I know the marketing department at Citibank knows what offer they were advertising and can easily find out if the {$400.00} statement credit was offered on the XXXX XXXX website on XX/XX/2023. Citibank can also look at my other Citicard ( Costco ) and see I paid for the airline tickets on XX/XX/2023. 

Bottomline, I would NEVER have applied for this card if they had not put this amazing offer in my face on their website stating that I would get a {$400.00} statement credit if approved. I was approved!

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 2021-12-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CORELOGIC INC
State: CA
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:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from XXXX that they had completed an investigation and found this debt to be mine. My letter XXXX  clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). XXXX  has failed to prove me with proof that this debt is actually  mine. I have repeatedly asked for XXXX  to send me a copy of the original signed contract they have on file in compliance with the FCRA. 

Because XXXX  has failed to validate this debt over 3 times in my requests in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe that XXXX has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which  was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: WA
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 entered a dispute with Experian and they received it on XX/XX/2021 with a certified mail return receipt.. I have not received any results from my dispute. Also have not received my consumer report and Consumer File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the natural consumer, in fact, has been violated by Capital One in numerous ways. I recently send Capital One a package including an Affidavit of Truth, Debt Validation Letter, Cease and Desist, Exhibits of Violations as well as an invoice for a remedy via certified mail ( XXXX XXXX XXXX XXXX XXXX ) and received a green PS Form 3811 showing the package was indeed received. Capital One has yet to seize reports until this alleged debt is validated as they are supposed to do as pursuant to consumer laws. Capital One is reporting that payments are received as agreed but my credit utilization is now showing 104 %. There is no delinquency reported and for the entire month of XXXX and XXXX this account is reported as an account in good standings. I do not consent to the obligation of tHis alleged debt. In addition to these things previously noted, Capital One has denied me an extension of credit several times with no explanations as to why the adverse action was taken upon me and denial of a credit extension has further led to my credit score being damaged due to high utilization percentages being shown on my report. My scores has taken a tremendous downfall over the time span of XXXX and and XXXX and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.

The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.

I continued to hold for 3 hours. 

I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address. 

I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On my Amazon store credit card account Synchrony Bank imposed a charge of {$94.00} as of XX/XX/2020 that is not mine and that also has a vague cutoff description - " XXXX XXXX ''. I have no idea to what it refers. Some similar amount appeared before on a card ending XXXX that used to be mine but that was compromised. I disputed the charges initiated by somebody else. The charges were refunded. I blocked the compromises card issued by Synchrony bank with {$0.00} balance. I also claimed to block the merchant to which my money went, without authorization. 
It's illegal to put charges with unclear description such as " XXXX XXXX '' on my name 1 ) from the card that was compromised, 2 ) to a merchant that was supposed to be blocked.

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 2023-06-26
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 have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from Experian via email, again telling me to dispute online which will take away my consumer rights, and XXXX has also sent me a letter stating the same. Unfortunately, XXXX has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.

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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 explanation
Consumer complaint received 2022-10-15
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by XXXX up until XX/XX/XXXX, after which they were transferred to XXXX/Aidvantage XXXX I made $ XXXX in payments to XXXX during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX/Aidvantage over the next several months , still within the forbearance period. I requested a refund of these payments when the XXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that XXXX XXXX has lost information regarding my payment history when they transferred my remaining balance to XXXX/Aidvantage because neither servicer can find history of it. As a result, Aidvantage is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called XXXX and they told me it was not their responsibility and that Aidvantage has to handle the refund. I have called Aidvantage 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in Aidvantage 's website and then XXXX, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both XXXX and Aidvantage 's websites restrict account access to website features once the loan balance is {$0.00}. Aidvantage prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. XXXX is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from Aidvantage is that the refund is processing and is currently held up with their request to XXXX for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation