BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: SC
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:
Tried to pull my report through the annual credit report site and got this error message ( see XXXX  ) Also attempted to pull my Equifax report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

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 2023-01-23
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Acct. # last XXXX digits 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 Sectio 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a zombie mortgage that I wasnt aware of until I tried to refinance my mortgage. I filed bankruptcy in XXXX as a result of the XXXX financial crisis and this mortgage was included. The lender is currently holding my title as ransom until they agree on settlement. Im not sure what the terms on the loan were. I requested a copy of the singed loan documents over 30 days ago via priority mail and I have not received any response from the lender. I have been working on trying to settle this since XX/XX/XXXX with multiple denials. This company did not appear at my 341 hearing.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 Sectio 2 : It also states 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 2022-10-12
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA has utterly neglected its duties as a servicer on two fronts : 1 ) failure to send me a letter confirming closure of my previous ( non-federal ) student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational and accessible to address problems for those who have federal student loans that MOHELA is now in charge of servicing. 

From approximately XXXX through XX/XX/XXXX, I had loans held by MOHELA due to my XXXX attendance at XXXX XXXX in Missouri. I paid off those loans in full ( in the amount of {$4500.00} ) on XX/XX/XXXX. Yet I have not received a letter or any other communication verifying that that account is closed. Fortunately, I printed out the receipt confirmation for my records, and an alert on my credit report says an account has been closed. But MOHELA has failed to send me any letter reflecting this, and that is unacceptable. 

Moreover, since my federal loans transferred from XXXX to MOHELA, I have been completely unable to view any of my info on MOHELA. The site won't let me go beyond logging in, despite all my troubleshooting. The site also won't allow me to create a new MOHELA account to view my federally-held student loans. To clear up this problem, I tried calling MOHELA 's helpline at least five times over the last month ( since XX/XX/XXXX ) and encountered wait times ranging from 100 to 125 minutes in each instance. No one answered even after I waited the entire 100+ minutes. I was curious about whether this problem was common and decided to do some digging ; I found dozens of XXXX threads of people experiencing the same unbelievable wait times and inability to reach a human being at MOHELA. Wait times of over 100 minutes are beyond ridiculous. What will happen once the debt cancellation application opens and I'm still unable to access MOHELA 's site and helpline? What will happen to millions of others like me?

In summary, MOHELA has failed in its duties as a servicer : 1 ) failure to send a letter confirming closure of my previous student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational to address problems with access for those who have federal student loans now serviced by MOHELA. This is beyond outrageous, and the CFPB has a responsibility to take action to protect millions of borrowers like me from MOHELA 's unscrupulous behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Company: CITIBANK, N.A.
State: MS
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:
I purchased an online mentoring class with a specific person from XXXX XXXX on XX/XX/XXXX from his XXXX account. When, I purchased the class, the merchant gave me a ebook and XXXX number to the assistant and said he will help to mentor me. I didnt receive anything else. I did not get any mentoring from the specific person as advertised in his XXXX XXXX thing he gave me was his Ebook which is not helpful. Plus, I didnt get a response from his XXXX. I filed a dispute with Citi on XX/XX/XXXX. They opened it and asked for additional information in XX/XX/XXXX and asked to complete it by XX/XX/XXXX. I was not able to respond by XX/XX/XXXX as I didnt check my email or mail as I went out of town for a work travel. When I came back I realized Citi completed their investigation and it was against my favor. I called them to allow me to reopen the case and give me chance to add my additional information. They simply refused and asked me to contact merchant. Merchant is not responding to me

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 2021-01-21
Company: Experian Information Solutions Inc.
State: VA
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 submited a dispute wihth Experian to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Experian, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence ) and Experian disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Experian on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless XXXX XXXX tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to XXXX XXXX, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with XXXX XXXX again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - XXXX XXXX validated the late payment and could not provide me with proof or comments from XXXX XXXX. Also, XXXX XXXX is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like Experian says to call XXXX XXXX, and then XXXX XXXX says to call Experian - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that Experian was responsible to make sure XXXX XXXX corrected their error and see their oversight, but Experian said no and there is nothign they can do if XXXX XXXX keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to XXXX XXXX XXXX Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.

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 2023-11-21
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing to file a formal complaint against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a single mother in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

XXXX Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX Suttel and Hammer, in their pursuit of collection on behalf of XXXX Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by XXXX Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.

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 2023-02-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS NOT A DUPLICATE!!!!!!! My complaint submitted XX/XX/23 COMPLAINT ID XXXX has STILL not been resolved. I have been asking for a single point of contact for literal years and have yet to be assigned one. Please give me the name and contact information of my single point of contact! Both Colorado ( CRS 38-38-103.1. Single point of contact ) and federal code ( Civil Code 2923.7 ) mandate that servicers promptly assign a XXXX to the borrowers seeking mortgage modification assistance. Carrington Mortgage LLC has been the servicer on my mortgage for three years, I have submitted countless hardship packets and have been stonewalled and received no response and misinformation from the assorted people that answer the phone in the call center. Please hold this company accountable and make sure that they have met their obligation to assign a single point of contact BEFORE closing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent Chrysler Capital two dispute 's to no avail I've received absolutely NO response I've sent my dispute letter certified mail and noticed that Chrysler Capital is signing for my dispute letter but they're not honoring my dispute or the FCRA because they aren't responding. This is a direct violation under the FCRA section " FCRA Section 611 Part ( A ) ( 1 ) Failing to respond to my written dispute within 30 days. " But they've charged off my account over 61 times from XXXX to this present day! 

Chrysler Capital clearly is operating under illegal business practices. Seeing how Chrysler Capital blatantly is ignoring my request I've decided to shed light on their less than honorable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Account information incorrect

Complaint:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a permanent credit freeze on my credit report. I signed up through experian to have a thing where they alert me in changes to my report I felt they were not doing anything for me so I cancelled this they were charging XXXX a month. So the next day I got an email from them telling me they unfroze my account for cancelling my member ship. Now in order to get the freeze reinstated i had to join and pay life alert and now my fee is XXXX a month. I feel this is really not fair or right. Before I paid nothing for the freeze now i have to pay XXXX and have life alert. i had life alert before and they let things slip like once i applied for a credit card and they never notified me about it when i contacted them they said we cant moniter everything I thought then why am i paying you {$300.00} a year if people can still open accounts in my name. My roomate stole my social security card several years ago so that is why i want a permanet freeze on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
All Students  loans were Paid-In-Full with Aidvantage back in XXXX XXXX Credit Bureau still shows a balance of XXXX XXXX  I demand to have to correct balance reflected as XXXX XXXX  Immediately!

Company response to consumer: Closed with explanation