BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: MI
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:
In XXXX Equifax started to report my DOB incorrectly. I submitted multiple disputes. It was not corrected until XXXX. I have not been able to view my equifax report through XXXX  or annual credit report.com they both state something is wrong with my personal info at equifax. Equifax is unwilling to help. I called and was sent to a different department. They say they cant even access my credit report. The agents re rude, sometimes I wait on the phone and a agent never answers. Instead it goes to the survey. I can access it on my Equifax.com. Equifax is by the far the worse and most difficult credit reporting agency. I should have access to my credit reports just like I do the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan agreement signed XX/XX/XXXX with BMO Harris. Loan details in 'transfer of rights in property ' references two tax IDs included in the sale. 

BMO Harris paid 1st installment on XX/XX/XXXX for one property tax ID, amount {$890.00} BMO HAS NOT PAID 1ST INSTALLMENT FOR THE OTHER TAX ID LISTED IN SALE, due on XX/XX/XXXX. 

I have emailed BMO copies of both property tax bills : emailed copies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have called BMO on the following dates, each time detailing that I have two property tax IDs listed in my loan agreement and they have only paid for the 1st installment for one of these and the other one is due XX/XX/XXXX. 
XX/XX/XXXX : work order was put in and expedited. 
XX/XX/XXXX : person I spoke to didnt see any work order listed on my account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : called 4 times. Was told that this would he resolved by the due date of XX/XX/XXXX XX/XX/XXXX : called 5 times. Was told this would be resolved by the XX/XX/XXXX. 
XX/XX/XXXX : was told that issue was not resolved, call by the end of the week. 
XX/XX/XXXX : told that issue is not resolved. Transferred to supervisor. Was told that someone would call me within two business days. Was told that if there are late fees, they would pay them. It would not count as anything negative towards me. Still no answer about 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 monetary relief
Consumer complaint received 2023-02-22
Company: Costner Law Office, PLLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Breach of fiduciary Duties This is fraud, under the Color of State Law Its about them performing for these credits the was credit XXXX and the signed a promise note for XXXX it has interest you have to secure the secure party credit interest to them thats what this is going to come down to you transfer that interest to the note to them for them to give the face value which is the credit, credit is just a face value of the note for {$150000.00}, 10 % interest they entitled to the interest which is a share but they have to credited XXXX XXXX XXXXXXXX which is the face value That XXXX out the account however there were an assignment transferred in a State of Peonage under 18 U.S. code section 1581. 
Equity is about the performance. 
Costner Law Office PLLC XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/, the unknown suspect ( s ) used his name and social security number and address XXXX XXXX XXXX XXXX open up a mortgage/assignment with XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Carter-Young, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter young inc has reported on all 3 credit reports of mine that I owe XXXX dollars for an account that I have stated and sent in proof numerous times that it is not mine. The collections amount is over XXXX dollars for a student apartment my daughter rented when she moved out she sublease apartment to another college student which was approved neither of us is any longer responsible we were told that by the company. I have called numerous times and this has not been fixed. The company the villas assured us this would not go into collections if we found a subleaser. Also calling Carter young I was hung up on twice told they would not send a copy of documents and threatened to be sued which is according to my rights illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: PACIFIC WESTERN BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2022, I contact Loan Officer XXXX XXXX at Civic Financial and told him that I wanted to refinance and cash out of XXXX XXXX XXXX XXXX in XXXX Texas. 

XXXX XXXX instructed me that rates are going up and that if I completed all the discloses and approvals with the bank, I would a rate of 5.25 % at XXXX XXXX XXXX XXXX XXXX TX XXXX Completed all the e-forms in XX/XX/XXXX and XXXX XXXX instructed me that the file would be sent to underwriting. 

When I spoke to XXXX XXXX in XXXX, he indicated that there was a backlog in the under writing and indicated my special rate of 5.25 % would be honored by Civic Financial. 

I was informed yesterday that the CEO of Civic Financial is not willing to honor the rate of 5.25 % and has told that all loans stuck in under writing would now be on 6.75 %. 

This is very unfair to me as a client of Civic Financial, since I have acted in good faith and Civic should have taken steps to manage the backlog of loans in under writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Received letter indicating that my Discover credit line of XXXX was reduced to XXXX after they pulled my credit... for what??? There was no reason for this as I have NEVER missed or been late on a payment & always pay more than the minimum payment. So they had no reason to pull my credit... How can they do that? I was not asking for a credit increase or any other thing that would warrant pulling my credit. This action places this account at XXXX  % utilization, when I was previously at XXXX % and working hard to get it under XXXX %. This action is going to severely damage my XXXXredit score and I HAD NO IDEA this action was coming - completely blindsided and devastated by this act. Is there any help from your agency to redress this damage to my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2023-01-04
Company: Cascade Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in 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 2022-09-13
Company: EQUIFAX, 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:
The XXXX  accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian will not let me see my credit report or credit alerts until I pay {$24.00} to keep a membership I do not want. I have called and every single time I somehow am disconnected and I think canceling a premium membership should be a pretty basic request. I just want to see my credit score and the alerts ( which they continue to send me multiple emails a day for ) but there's no way around the paywall. I have learned from research online that this is a very common problem among Experian customers and that the company uses predatory tactics to swipe money from its users for moot reasons. It even plainly states in the membership benefits that " Subscription Cancellation '' is a member only feature... I have to be a member to cancel my subscription? I never knew how shady Experian could be until recently. Appalling and unacceptable.

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 2023-08-16
Company: C/C Financial
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My accounts are being reported as in deferment but they are not. The balances and the last payment is also not showing up. This is delaying my ability to close on a loan and I need the accurate account status to reflect my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 2023-08-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
CitiBank NA repeatedly sent me a Member Advantage Miles Checking with a reward if I complete certain actions in a given timeframe. The reward was XXXX American Advantage Bonus points WITHIN 30 CALENDAR DAYS FROM THE DATE YOU COMPLETE ALL REQUIRED ACTIVITIES. The time period allowed to complete the activities was up to 90 days. I opened offer account on XX/XX/XXXX and FULFILLED THE REQUIRED ACTIVITIES ON XX/XX/XXXX. On XX/XX/XXXX, I contacted CITI by phone and was told that I had fulfilled all the requirements and that the points would be awarded by XX/XX/XXXX. Citi did not FULFILL ITS OBLIGATIONS PER THE OFFER. I called CITI on XX/XX/XXXX and was again told that I had fulfilled all the requirements and that points will be awarded in 2 business days. Nothing happened. I again called on XX/XX/XXXX and was again told that it would be resolved within 5 business days. Nothing happened. Another call and I was asked to wait 12-24 business hours. I wrote an email to Citi XXXXxecutive VP XXXX XXXX. A representative called me and told me it would take 15 calendar days. On XX/XX/XXXX a CITI representative INCORRECTLY told me that the award will be on XX/XX/XXXX. IT IS NOT PER THE OFFER. I again followed up with Citi Executive VP on XXXX XXXXand expressed that the rep had not read the text of the offer and failed to address what is in the offer. Another rep called me and stated another 15 days. No end in site.

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 2020-02-28
Company: Rosebud Economic Development Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
At The End Of XX/XX/2019 I Applied For A Loan From A Company Called Zoca Loans Because I Was Behind On Bills & Needed To Catch Up. 
I Recieved The Amount Of {$550.00} .I Was To Make 12 Payments Of {$130.00} To Pay Off The Loan! I Double Checked My Payment Schedule & Discovered They Were Charging Me {$1100.00} In Interest! Which Meant That I Was Paying Roughly Triple What I Borrowed! In XXXX I Called Them & Asked If I Could Skip 1 Payment Because Once Again I Was Behind On My Bills They Told Me I Could But That My Next Payment Would Be {$230.00} To Make Up For Missing The 1 Payment! I Told Them To Just Forget It & The Payment Out As Usual But They Didn't & After I Thought I Had Paid The Loan Off I Received An Email Saying I Still Owed {$900.00} Because I Missed A Payment & Had Accrued Interest! I Called Them To Get It Straightened Out & They Said They Could Clear The Debt If I Paid {$350.00} So I Complied! But All Totaled I Ended Up Paying {$1800.00} {$550.00}! On One Hand I'm Glad I'm Done With Them & I Will Never Get A Loan From Them Again In The Future But On The Other Hand I Feel Their Lending Tactics & Interest Rates Are Predatory & I Should Not Have Had To Pay That Much! I Also Have Been Receiving Loan Offers From Other Companies Via Text Messages So I'm Pretty Sure They Have Given My Information Out To Other Loan Companies!

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 2019-07-26
Company: ALLY FINANCIAL INC.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally Financial Contacted me at my place of employment about a debt owed XX/XX/2019 early afternoon. I advised agent that they were contacting me at a place of business and requested the company not contact me at work. Agent advised would remove this method of contact at my employer and would call me on my personal number. 

XX/XX/2019, Ally Financial contacted me again at my place of employment. I advised I had requested this method of contact to be removed and repeated that this was a place of business and to please remove my employer number as a method of contact.

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 2023-10-08
Company: Maximus Education, LLC dba Aidvantage
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had put in an application for a revised income base repayment plan based on the new SAVE repayment plan. This was done to reduce my payments. I completed the application on XX/XX/2023 on the Department of Education 's website. The request was sent to my servicer Aidvantage. They had received the application on XX/XX/2023 according to the Department of Education. I had received correspondence from Aidvantage on XX/XX/2023 that they had received the new income driven plan. There was nothing that I had needed to do on my end since I had consented that the Department of Education could request my tax return from the IRS. The timeframe to process the request according to the Department of Education was four weeks. It has been six weeks since I had sent in my application. I have not heard from the servicer. I had tried to contact the servicer and they did not respond.

Company response to consumer: Closed with explanation