BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 an email was sent to Equifax XXXX XXXX XXXX XXXX regarding a breach in my account, i.e. an unauthorized party changed my residential address on file. The following Monday, XX/XX/2022 I reached back out by telephone to XXXX 's Equifax Corporate office and spoke with a XXXX XXXX in the Consumer Affairs department. XXXX XXXX worked very diligently to verify my identity but to no avail, we could not complete the process but through no fault on XXXX XXXX 's behalf. I was unable to get a clear image of my ID and answered incorrectly to the date to when I applied a Freeze on my account with Equifax as I had done with the other 2 credit bureaus '. I realized this after the fact. I simply let XXXX XXXX know how grateful I was and that I would get my act together and phone back the next day on the XXXX of XX/XX/2022. Unfortunately, through no fault of my own, I was not able to phone the Consumer Affairs department on Tuesday prior to their close of business day. Thus, the following day, on the XXXX of XX/XX/2022, I phoned with my neighbor by my side to aid in photographing my ID since I was not able to complete the process the first time with XXXX XXXX. However, the agent that I spoke to this time simply stated it was against company policy to send me a copy of my credit report with the incorrect and unauthorized address on it. I asked the agent if this was something she was reading from in the notes in my file because that was in contradiction to what I was trying to accomplish with XXXX XXXX on Monday the XXXX of XX/XX/2022. I told the agent that I understand that she does not know the history on the account and thanked her before saying goodbye. 

I have not moved thus, I did not change my address. I need to file a police report for someone attempting to steal my idenity and I can not do so without a copy of my account information with the psuedo-address on it. I do not hold Equifax responsible. 

Please assist me in this matter Kindest regard, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Easy Money XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at Easy Money, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for Easy Money, was collection, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to Easy Money XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

Easy Money does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to Easy Money for Pay Day Loan. 

I request assistance in resolving this 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 2018-06-04
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 status incorrect

Complaint:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX   therefore, I started fresh since XX/XX/XXXXto present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion would not respond to disoute although the {$180.00} was paid off and  XXXX  did respond and has account closed with  XXXX  balance

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 2019-10-08
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently working a XXXX which qualifies me for the Public Service Loan Forgiveness program.

The first issue I'm having is it's been two years of FedLoan reviewing my case to award me credit for back months of credit toward the Public Service Loan Forgiveness. 

My second issue is that I recently filed Chapter XXXX Bankruptcy and sent them the paperwork that my student loans were left out of my bankruptcy so I can continue to be on the payment plan to receive credit toward the Public Service Loan forgiveness. The company sent a letter to my bankruptcy attorney after refusing to discuss the issue with me stating I could make payments but they would not apply toward the Public Service Loan Forgivenss program because I am in bankruptcy and they can not bill me.

My attorney is saying when a lender is left out of the bankruptcy they can bill you. I would like to have my credit go toward my Public Service Loan Forgiveness that I qualify for. This is absolutely ridiculous that I can't receive the credit. I was receiving the credit and my payments was XXXX. 

Please help me get the credit I deserve. I will be in bankruptcy for 5 years working this plan. That is over half the time needed to qualify for forgiveness. I will come out of bankruptcy still facing {$80000.00} in student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get numerous calls from XXXX with an automated message to my work line. I have asked them to stop calling my work because that is not allowed. I want them to stop calling my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Communication has been made with Bank Of America. Consumer StatemenXXXX Report also was approved. Written to the liking of all 3 credit bureaus. Discrepancy in their systems has not been corrected. Inaccurate balances on portfolios.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reached out to TransUnion to request my consumer report AND FILE. TransUnion did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.

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 2022-02-12
Company: EQUIFAX, INC.
State: MI
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 sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. TransUnion, XXXX and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither TransUnion, XXXX, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit 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 2021-09-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with LoanDepot and when the mortgage was funded and I received my Closing Disclosure dated XX/XX/XXXX I noticed the following : Closing Costs Financed ( paid from your loan amount ) {$1600.00}. I called the account manager to find out why they financed my Closing Costs when I said I would pay 'all ' of it because I didn't want to finance anything except the loan payoff from XXXX XXXX . The account manager ( that worked on my refi ) didn't know why so she said she would asked her manager why there were any Closing Costs and what these fees were. According to her, the manager said they aren't APR sensitive. She said that means they aren't Closing Costs. Needless to say, I wasn't happy since I assumed I had paid 'all ' costs which came to {$6900.00}. I told her I don't understand how you can charge for something that there is no explanation of for the fee. I told her I want to know what it was and why it was financed. She said she understood my concern and since her manager didn't offer her an explanation that she understood and could explain to me that she would reach out to her Director for a better explanation. We had that conversation on XX/XX/XXXX and I sent an email to follow up on XX/XX/XXXX as I hadn't heard anything. On XX/XX/XXXX, I received a revised Closing Disclosure stating that there was an internal post-closing review and they determined revisions were needed. Unfortunately, that didn't explain why there were Closing Costs. The revision reduced the amount to {$1600.00} to be financed. The account manager didn't call me to explain why so I called on XX/XX/XXXX and left an escalated message for her or her manager to call me on with an explanation. I also sent another follow up email on XXXX to the account manager. Needless to say no one has contacted me. She won't respond to my emails or calls. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/XXXX, I was making a deposit at Bank of America branch ( XXXX XXXX XXXX, XXXX, CA XXXX ). Based on the small talk with the teller, there were several withdraws, total at {$12000.00}, at several branches of BofA at XXXX, Florida. Right away, I knew someone somehow stealed my money as I 've never been there. Due to the fact, I speak limited English, I asked the teller to help and called the customer services of the B of A to report the fraud ( claim # XXXX ). On XX/XX/XXXX I went to local police station and file the report, the case # is XXXX. I was informed by the police officer, it 's better to contact bank of America to get the money back. Without hearing anything back, on XX/XX/XXXX, I went to the branch again to ask the rep to help and called the customer services of B of A and was told by services rep at customer department that it will take up to 3 weeks to do investigation and know the result. However, on XX/XX/XXXX, I received the letter that indicated that they denied my claim. I called the next day to ask for evidences, such as signature on the withdraws slip as it 's withdrew from the counter, also the surveillance video footage. I did n't hear anything back before I made another call on XX/XX/XXXX, I told them I never left California and never did any withdraw in XXXX Florida and wants them to showed me the evidence : signature on the withdraw slips and the video footage from that branch. They told me they 'll do more investigation and they need police department to authorize such request. When I went to police station and was told that they do n't this type request.

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 2022-02-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

XXXX sent me a letter dated XX/XX/2022 stating that my account was delinquent, and they intend to repossess. 

This was regarding my XXXX payment in the amount of XXXX. That payment was made on XX/XX/2022. However, when I spoke with a XXXX representative, I was informed that the payment went toward interest and not the principle. Im not sure how that happened. I always make my payments online and this has never occurred. The representative stated that I must have clicked on pay interest only, which I did not do. There must have been some sort of glitch in your system. This is a billing error according to 12 CFR 1026.13. And pursuant 15 USC 1681 ( n ) ( 1 ) ( a ) Nissan Motor Acceptance Company is civilly liable and I am owed remedy for damages up to {$1000.00}. 

Because of this error, I have suffered another detrimental hit to my XXXX  score and consumer report preventing me from qualifying for other consumer credit transactions that I was in the process of obtaining. Due to XXXX reporting yet again inaccurate information, this payment error, to the credit reporting agencies my reputation has been damaged. I want XXXX to contact the credit reporting agencies and rescind the late payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or 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 2022-02-12
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for financing and was sent a copy of the credit report agencies that submitted information, the company XXXX XXXX XXXXnexis lexis. After reviewing the information I noticed they have reported on a financing request I made, however there is actually no financial information included in this report. I have since requested my file be either deleted or frozen I received a letter but since then no response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Rocket Mortgage, LLC
State: NY
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:
XXXX Quicken loan performed a hard inquire without my knowledge or consent. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
My Citibank Sunoco card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.

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