BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two years ago when the Equifax data breach occurred I froze my credit with the three reporting agencies. After recent difficulty trying to obtain a loan I contacted Equifax. They directed me to send them a copy of my current drivers license, SSN, birthdate and address for the purpose of updating my personal information. My cover letter to the Equifax Dispute Dept. was dated XX/XX/2019. I received a confirmation letter back from Equifax with the wrong personal information on it!! I received a letter from XXXX   at the same time with the right info on it! I can no longer access the account that I created with XXXX  two years ago. I am denied access using my username and password that I created. Equifax now wants me to send them more information. Why would I do that when they could not get it right the first time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX XXXX , XXXX SiXXXX, 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 2023-07-29
Company: EQUIFAX, INC.
State: AZ
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:
This account was included in my XXXX XXXX  bankruptcy in XXXX, and should be removed from my credit. XXXX recently reported the loan as charged off on XX/XX/XXXX on Equifax, and that is incorrect. Last four of my ssn is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There is a collection account on my reports with Midland Credit and they are reporting illegal information on my reports. I was under the impression that it is illegal for a collection agency to report payment history and inaccurate information. They are reporting payment history as well as a missed payment for the month of XXXX of this year which is inaccurate. I have contacted them about this matter and they have not responded to my letters trying to rectify this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2019 at XXXX XXXX  I called XXXX XXXX, to double check that my student loans are still in deferment, and would remain for the spring 2019 school year. I advised the agent, that I will be attending school full time spring of 2019. He advised me that my deferment ends in XXXX, and that my first payment will be due XX/XX/XXXX. He stated I only have 48 months available of deferment, I asked how could a payment be due while i'm enrolled full time in school. I asked, how much will the payment in XXXX be. He stated we don't know, and can't view that due to my account showing zero due, and currently being in deferment. I pulled up my account online on XX/XX/2019, for both of my student loans, and it show 's that my next payment isn't due until XX/XX/XXXX. Last time I checked In-school deferment is unlimited, as long as you are enrolled at least half time. Which I currently am. Why would my loan company tell me otherwise?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I do have a property in XXXX XXXX PA, that I am renovating, and I gave my son my Home Depot Credit card to make some purchase of materials for the renovation of the property which he did in the tune of {$2400.00} and change, but when XXXX  reported the transaction on my Credit score they used a code " THD/CBNA  '', that I did not recognize and did put in a fraud alert with XXXX, but I called the company Home Depot and XXXX  to rectify and cancel the fraud alert after I XXXX  the code and find out that it's a code that is used for Home Depot credit card, I am sending this complaint to debunk the fraud alert on yesterday, XX/XX/2020, thanks for your continues help and assisting render 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 2019-07-03
Company: Experian Information Solutions Inc.
State: NM
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, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXXx and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2020-10-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
PLEASE PROVIDE ME WITH PROOF THAT I WAS OCCUPYING THE APARTMENT AT THE XXXX XXXX  IN XXXX OF XXXX. JUST SHOW ME PROOF PLEASE!!! I will prove otherwise. I disputed a collection effort by the XXXX XXXX. First the XXXX XXXX  accused me of breaking the lease. That is how they justified all of the charges that were tacked on to the attempt to collect false charges. I provided a long paper trial that PROVED the XXXX Apartments version couldn't have been true. We submitted a " notice to vacate '' form on XX/XX/XXXX and I have proof of this. After reviewing my proof, the XXXX XXXX   CHANGED THEIR STORY!!! Now they are saying that they acknowledge our " notice to vacate '' in XXXX of XXXX. But the XXXX XXXX  is now saying that we stayed in the month of XXXX of XXXX as well- WHERE IS THE PROOF??? I am demanding proof that I stayed there in XXXX of XXXX. My husband underwent total left XXXX XXXX On XX/XX/XXXX. This was one of the determining factors as to why we moved out. We were completely vacated by XX/XX/XXXX. I got married on XX/XX/XXXX, went to Hawaii on our honeymoon, returned on the XXXX of XXXX, WE HAD ALREADY MOVED IN WITH MY PARENTS IN XXXX WA!!!! We never returned to the apartment after XX/XX/XXXX. WHERE IS THE PROOF THAT WE WERE OCCUPYING THE APARTMENT IN THE MONTH OF XX/XX/XXXX??????? The XXXX XXXX has XXXX proof that I was there during the month of XXXX. My request is this- PROVIDE PROOF THAT I WAS IN THE APARTMENT IN XXXX OF XXXX??? Utility usage report, video surveillance ANYTHING AT ALL?????? Because I can prove I was living somewhere else during that time. I have proof. I was living at my parents home in XXXX WA with my husband while he recovered from total XXXX XXXX on XXXX. I am asking for proof of the fact that we were there during the month of XX/XX/XXXX. I will show otherwise. Lies can not be tolerated and I will not stop until this is taken off of my credit!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The following message was sent to executives at Capital One on XXXX XXXX. It was forwarded to their Customer Advocacy group who responded on XXXX XXXX by refusing to address the Complaint of deceptive marketing and the proper crediting of earned reward points. 

Here is the message that was sent : We are filing a formal complaint regarding Capital One Venture card ending in XXXX ( also XXXX secondary ). 

This card had a stated promotion offer to spend {$4000.00} within 3 months and earn 50,000 reward points, and spend {$20000.00} within 12 months and earn an addition 50,000 points. We have been improperly denied our rightfully earned points for the second 50,000 points. We have numerous other banking and credit card accounts with Capital One. 

Application for this card was made online in early XX/XX/XXXX, approved, and an email message sent saying the card was being mailed. We did not receive the card. But did eventually see an account opening on our Capital One home web summary accounts page. In fact we received our first statement showing account opened XX/XX/XXXX, first billing cycle through XX/XX/XXXX, {$0.00} balance ( we had not yet received the card! ). We contacted customer service and another card was mailed. It was delivered XX/XX/XXXX, activated on the XXXX, and an initial purchase was made XX/XX/XXXX. Our first opportunity to use this card was in XX/XX/XXXX. 

In XX/XX/XXXX, we reached the {$4000.00} milestone and 50,000 points were promptly posted to our rewards balance. In XXXX we reached over {$22000.00} spend but the award points were not posted. We have called reward points customer service, many times now, only to be told the points would not be granted because the {$20000.00} spend was reached on XX/XX/XXXX and that this was the deadline of XXXX XXXX 12 months from account creation. Even though we did not have access to the account or card until XX/XX/XXXX. 

This action to deny the earned points shows deception, and perhaps fraud in the marketing of this card. 

We have spent hours on the phone with XXXX on XXXX XXXX ( ID # XXXX, XXXX ), XXXX on XXXX XXXX ( ID # XXXX ), and XXXX on XXXX XXXX ( ID # XXXX, XXXX, FL ). She repeatedly told us this decision to deny the award was final, and there were no further avenues available to pursue this complaint. She repeatedly said the decision is final and will not be changed. Every customer service representative acknowledged that the bank 's records show the card was not delivered until XX/XX/XXXX. We asked to speak with her manager. She provided his name, XXXX ( ID # XXXX ), but would not connect us to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable. 

I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Institute closed after I graduated in 2015. I have over {$20000.00} in student loans and I cant use my degree. I cant even transfer my credits to another college. I went to XXXX XXXX for 2 years for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went through XXXX to rent a car from XXXX XXXX XXXX  XXXX in XX/XX/2019. XXXX charged my Citibank XXXX in full and in advance ( {$760.00} ) for the rental car. 
However, when I went to the XXXX XXXX XXXX XXXX in XXXX to pick the car up, XXXX told me they didn't have any rental cars available. To be clear : XXXX charged me in full for a rental car from XXXX, but XXXX did not have any rental cars and could not ( and did not ) deliver one to me. 
Because this was obviously a breach of the XXXX agreement, and also potentially fraud, I disputed the charge with Citibank. I have provided extensive evidence to Citibank ( and to XXXX ) that XXXX did not have any rental cars- including emails from XXXX confirming that no rental car was delivered to me, and confirming that XXXX approved a full refund to me on account of the absence of any cars. ( I am attaching just some of the documentary proof of the foregoing ; I have more, including a recorded phone call with XXXX confirming that they had no rental cars. ) Despite this overwhelming evidence that XXXX charged me in full for a service that they did not and could not deliver, Citibank refuses to issue the refund. ( XXXX also won't respond because I disputed the issue with Citibank. ) XXXX has effectively defrauded me out of {$760.00} and Citibank is helping them do it.

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The only names on my credit report should be : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has all of the following incorrect names : 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 2021-04-22
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

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 2017-09-13
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Upon receiving my Year End Interest Statement, I realized that the address the mortgage company had on file as my primary home address was in a different state than where I live. I have emailed the company and made numerous calls in an effort to resolve this but I am not getting anywhere with them. I have explained that I live in Texas which is where my loan originated from, I have never lived in Tennessee which is the address that now shows up on my statements. This caused me to to have to get an extension to file my Income Tax and now I'm in danger of losing my XXXX health insurance as it is a requirement that i file my taxes. I've been battling XXXX XXXX and can not afford to be without health insurance. I tried explaining this to a supervisor after being transferred several times and she finally agreed to make the correction and fax me the form but that was over a week ago and I never received it. Also, I changed my homeowners insurance to a less expensive one and they claim that they never received payment. One week later I verified that payment was received but they are still charging me the higher premium that they slapped on my loan which increased my payment by more than {$200.00} per month. I don't understand how a mortgage company can change the address on my file without my authorization and increase my payment PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Ditech Financial LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt was already removed from my credit report. I request documents from this company that I never received. What I did receive was a letter stating that the debt was mine and they have updated their internal records.I explained to Ditech that I am aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until Ditech provides me with proper validation of this debt, they are not allowed to pursue any collection activities, including reporting this information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief