BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: GA
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 have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, U S DEPT OF ED/XXXXXXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: CA
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:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a checking account with Citibank in XXXX because I received an offer for XXXX XXXX XXXX points if I met the following conditions : 1 ) spend XXXX dollars via this account in 60 days from opening 2 ) make at least one bill pay in consecutive months. 

During the 60 day window I had several chat sessions with Citi representative, which they should have on file, since these are archived, asking if I understood the requirements correctly to get the bonus. After the 60 day window, I was not awarded the bonus, so I reached out to customer service. They opened a dispute and the " Client Care '' team later told me I had not met the qualifications.

I reached out to customer service again and this time spoke with a supervisor. This supervisor and I walked through every single transaction to determine whether I had spent the XXXX from this account in the 60 day window as well as executed the bill pays. Supervisor XXXX said yes, I did. Supervisor XXXX said they would launch another dispute and not to worry, everything would get taken care of. 

After 10 days or so, I hadn't heard anything so I called back and asked to speak with a supervisor. I spoke with Supervisor XXXX. XXXX said that Supervisor XXXX never completed the dispute claim so no one was looking into it. Supervisor XXXX then reviewed every transaction in the 60 day window including the required bill pays. Supervisor XXXX confirmed, yes, I had met the requirements of the offer. Supervisor XXXX then agreed to file another dispute on my behalf including my thoughts that the company seems to actively be preventing me from receiving my bonus even while meeting the terms. 
I then received another letter from the " Client Care '' team describing the qualifications to receive the bonus and then go on to say that I hadn't met one of the requirements WITH DIFFERENT LANGUAGE THAN PRESENTED IN THE ORIGINAL QUALIFICATIONS. In their description of why I was not eligible to receive the bonus, they said I did not make 60 CONSECUTIVE DAYS of transactions which was not a TERM of the offer. 

Citibank is either extremely untalented in explaining their own TERMS of offers or engaging in dishonest behavior.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/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 explanation
Consumer complaint received 2019-07-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX insurance billed me in 2016, they claimed for non payment of their premium for 1 month the sum of {$410.00}. I have tried to get validation for the excessive amount to no avail. It seemed by my switching Insurance company this bill was a retaliation and abuse of consumer information. We have the right to change insurance companies without worrying about our credit being affected. This abuse of credit reporting should not be tolerated and privileges should be revoked. And to add insult to injury they lied about when the debt originated so that it stays open and renews yearly. This fee is unsubstantiated and excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: GA
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:
After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: U.S. Auto Sales 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 status incorrect

Complaint:
I contacted the Consumer Financial Protection Bureau back in XXXX of this year regarding the incorrect information that was being reported by US Auto Sales. They stated in the last complaint that I never requested a deficiency balance and at that time updated the balance with all 3 bureaus and sent me a letter. My complaint is now of the same nature. Not only were they reporting inaccurate information to my credit file, but I never received a notice of sale for the vehicle, and as they mentioned themselves on the last complaint they never provided me with a deficiency letter until I filed a complaint.. Since I was not provided with a deficiency letter ( until I requested they update the balance ), and I was never provided with a notice of sale for the vehicle, I would like for this to be permanently deleted from my credit file with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NV
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 been calling the major credit bureaus XXXX, XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have a " hard inquiry '' reported on my TransUnion credit report that I did not initiate. It was reported on XX/XX/2018 by : XXXX/XXXX XXXX, FL 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 explanation
Consumer complaint received 2019-07-02
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted required documentation for certification of my employment for Public Service Loan Forgiveness in XX/XX/XXXX. I received confirmation the the employment was certified via letter from FedLoan indicating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 

However, it is now XX/XX/XXXX and I have not yet received any information regarding an update of the number of qualifying payments. I have contacted the servicer and no one has been able to tell me when the review/update of my qualifying payments will be made. It has been 9 months without resolution. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted Transunion via phone call in XXXX XXXX, 2017 to have them remove INACCURATE information that was reporting from 3 companies, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, and inaccurate addresses and phone numbers also. The customer service rep I spoke with was very nice and pleasant, and went through each line on my credit report. She said she was making the changes as we spoke, and that I would received an updated/corrected credit report within 30 days. I was ecstatic, as I have been trying for so long going back and forth via mail and online disputes to get this corrected, so when the customer service rep informed me that it would be taken care of, I was happy she was able to assist me, as I am going through the home buying process as a first time home buyer and the inaccurate information was bringing down my credit score. well, today, I received a credit report from transunion, and could not believe that NOTHING was done. The report states that the accounts were verified, and all the inaccurate addresses and phone numbers the customer service rep and I went through were still there! very upsetting. I am requesting that these items be deleted from my credit report asap, and my address and phone numbers be updated. I appreciate your assistance very 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 2019-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Within the last month my Equifax credit was pulled by XXXX, XXXX and XXXX XXXX. each time, Equifax failed to either provide my credit report and score, thusly a decision of decline or unable to move forward with my application due to Equifax reporting of my file. 

XX/XX/XXXX XXXX XXXX applies for a XXXX XXXX Card. The application is still pending and XXXX XXXX states that Equifax has been unable to provide my credit report to them so a decision can be made. 

XX/XX/XXXX XXXX XXXX can not approve a credit Line increase because the Equifax file sent to them didnt contain my full credit report. The report showed only a few accounts and XXXX didnt feel I was established in the credit industry. I am a senior with 91 accounts and 31 active accounts. I have excellent credit without one blemish. 

XX/XX/XXXX XXXX XXXX XXXX declined a credit line increase because Equifax was unable to furnish a score or my Equifax report. 

XX/XX/XXXX XXXX XXXX is unable to approve my credit application because Equifax is unable to provide a score and credit report to XXXX. 

Equifax has attached 4 inquiries on my report and hasnt provided accurate or complete information of my credit file. I want the inquiries removed because the complete file wasnt provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to link my bank account with XXXX XXXX, so that I can open a XXXX XXXX savings account. PNC does not let consumers link our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a couch for {$1500.00} on XX/XX/XXXX under a promotional financing 0 % interest for 12 months. I then made several traditional purchases in the amount of {$530.00}. I then paid approximately $ XXXX/month for 12 months, eventually totalling {$1600.00} over 12 months. My XXXX statement balance was {$520.00}. I was then charged {$320.00} in accrued interest on XX/XX/XXXX for my original promo financing purchase ( which occured 12 months prior ) based on the entire original purchase amount, even though I have paid off almost all of that original amount. How is this not illegal? This is downright predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Consumer Financial Protection Bureau : I would greatly appreciate your help if you can assist us in asking Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX. ( XXXX ) to delay the recently announced trustee sale of our property and former home of my deceased wife at XXXX XXXX XXXX, XXXX, CA under Shellpoint mortgage loan No. XXXX. The property is currently valued at {>= $1,000,000} to {>= $1,000,000} and the first loan payoff amount to Shellpoint is around $ 1,200,000+ and $ 100,000+for the secondary loan from XXXX XXXX XXXX . The property if properly sold will have enough equity to pay all involved parties including Shellpoint, XXXX, realtors, XXXX XXXX, legal counsel and others. 

Please note that we have been asking Shellpoint since XX/XX/XXXX and recently XXXX to delay or postpone the projected trustee sale in order to properly sell the property in order to pay all financial obligations related to the property since the property has enough equity to payoff all financial obligations including all associated costs for the sale of the property and therefore Shellpoint and XXXX XXXX XXXX ( XXXX ) will be paid off. But just recently, on XX/XX/XXXX, XXXX posted the Notice of Trustee Sale on the door with a sale schedule of XX/XX/XXXX. 

Attached are copies of some of our communications and request to Shellpoint and XXXX to give us proper time to properly sell the property because the newly announced trustee sale date is affecting and hampering prospective buyers. 

Thank you very much for whatever assistance you can provide to convince Shellpoint to postpone the trustee sale scheduled on XX/XX/XXXX. Please note that my deceased wife had a lengthy disagreement with XXXX XXXX XXXX and XXXX years ago because of the institutions loan modification/foreclosure practices which was reported to your office under XXXX Case # XXXX. 

I hope that with your assistance, I will not experience a similar difficulty in asking my request to Shellpoint and XXXX to postpone the trustee sale in order to properly sell the property in order to ensure that everyone will be paid accordingly and all obligations will be settled. 

Thank you very much for your help and attention to my plight as the trustee of a survivor trust. 

XXXX XXXX Phone : XXXX Email : 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 2019-07-02
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian lowered my score by 14 points on XX/XX/26. When I called on XXXX for an explanation they could not give me one. All of my accounts are paid on time, i did not have any collection accounts, nothing changed on my report. The other credit reporting agencies did not lower my score. The person who assisted me on the phone clearly stated that he could not explain why. This changed my rating from good to fair, i spent alot of time fixing my credit and this is very discouraging. I STRONGLY SUGGEST that the government investigates Experians practices as they are now offering the chance to put your utility bills on your credit report to increase your score. They charge for this service. Now if they randomly lower your score for no reason that may prompt most people to use this service. I am demanding that my 14 points get added back to my fico score as there is CLEARLY no reason for my score to be decreased OTHER than illegal marketing tactics to use the new service that they are offering. Please investigate. Thank you

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