BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 2 accounts with comenity bank. XXXX XXXX XXXX and XXXX XXXX XXXX card. My credit limit was decreased on both cards causing me to be just a few dollars away from the new credit limit. Also in result of this my credit score was affected tremendously. I have made all my payments on time with this company and they had no valid reason to decrease my credit limit without proper notice. I also sent them a certified letter asking them to give me more details and I have not heard back from them at all. I called the customer service and the representative stated that I had a drop in my credit report. I told her that my credit score has increase over XXXX points in the last 6 months and her claims were false. I believe this was a malicious attempt to ruin my credit. I want answers and them to be fined for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: AES/PHEAA
State: TX
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 am currently XXXX XXXX XXXX and have been trying to have my Employment Certification Form verified by XXXX XXXX for over two years now. The most reason submissions were on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All were denied for erroneous reasons by XXXX XXXX. I had the person in charge of our XXXX XXXX on base sign and verify my paperwork and now XXXX is telling me said person is n't authorized and I need a different signature. However, when I call to find out WHO exactly they want to sign off on my paperwork they are if no help. 

Additionally, the admin office typed up a formal letter of service stating my start and anticipated end date for XXXX XXXX, this is a legal document. Also, I tried submitting a copy of my XXXX statement which once again is proof of military service which qualifies under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Capital Markets Cooporative, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance transaction in XX/XX/XXXX with Guaranteed Rate I paid my first payment to Guaranteed Rate, the institution that originated my loan. 
Subsequently my loan was sold to CMC Funding The second servicer, CMC Funding, stated they did not receive the payment from the original servicer, Guaranteed Rate. 
I provide documentation that I paid the payment from my acct. 
The documentation was provided to the second servicer, CMC Funding on XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX I was told the issue was not resolved by the new servicer and the " ticket '' had been closed. 
At this time I provided the information again and now they are reporting as 30 days past due for my acct. This month is will be 60 day past due. 
This is negatively impacting my credit rating and they are not assisting in resolving the issue. 
I am told by CMC Funding to wait and they will contact me when they resolve the issue. 
I am not at all confident this issue will be resolved timely given the way the situation has been handled so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
Company was repeatedly contacted via phone email, mail and certified contact in response to multiple accounts having been deleted by them unsolicited by myself and or creditors. 

I contacted creditors and they each stated this is an Equifax issue not the first time they have had similar issues with Equifax these merchants have requested this be readded several times in order to report accurate history yet it has not reported.

They have cost me over 100 payments years of credit age and several tradelines which is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Sent a Certified Letter to Experian on XX/XX/2021, requesting they investigate and provide proof of verifying the information is accurate on my credit report. The Certified Letter was received on XX/XX/2021 They have failed to investigate my request and have choosen to ignore and disregard my letter.

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 2020-04-26
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: Information belongs to someone else

Complaint:
These are not my accounts, nor my addresses. Please remove them.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by 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 non-monetary relief
Consumer complaint received 2021-04-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for the Citi Double Cash Card in XX/XX/XXXX and was told by a representative it had 0 % interest and in fact it still does show on their website under the " 0 % intro APR '' which is a complete and utter lie -- this should be illegal. 
https : //www.citi.com/credit-cards/compare/0-percent-intro-apr-credit-cards I have always paid the minimum payment on time then recognized after reviewing my bill that it was generating interest when it wasn't supposed to be -- this really upset me as a consumer who felt lied to. 

In early XXXX, I had my credit line increased so Citi could make more money off me by trying to saddle me with debt -- below is an article about how XXXX XXXX started this practice. 
https : XXXX On XX/XX/XXXX, I spoke with a representative at Citi Card and he told me he reversed 3 interest charge payments -- except he didn't. 

Apparently it went above him for approval and was denied -- except this was never told to me ... until I called in today on XX/XX/XXXX and spoke with a supervisor who told me " I'm sorry this wasn't communicated to you '' -- these people are liars. 

So then my account generated interested from XX/XX/XXXX to XX/XX/XXXX when I had paid off the entire {$12000.00} balance ( except for the interest fees that were going to be credited back to me ). 

Citi Bank are liars and frauds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did a background check with Checkr for my job and there was something stating I had an unregistered vehicle charge that was done on XX/XX/XXXX however I did not obtain my license until a few months later in XXXX of that year. During that time, both my parents names were on the title of the vehicle. I switched the title in my name in XXXX or XXXX. Obviously this information is incorrect and needs to be fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made my XXXX/XXXX/XXXX mortgage payment to Loancare. I then requested a payoff of my mortgage through XXXX/XXXX/XXXX. I then refinanced my mortgage with XXXX XXXX on XXXX/XXXX/XXXX and the payoff applied to my Loancare mortgage on XXXX/XXXX/XXXX paying everything in full. 

On XXXX/XXXX/XXXX Loancare took an additional {$52.00} PMI from my escrow account overage that was getting ready to be cut to me as it was overage from my payoff. 

I called Loancare and all they can tell me it was taken Bc PMI is paid in arrears but my argument is this additional PMI was included in the payoff through XXXX/XXXX/XXXX. They said no it is never included in the payoff. ( This makes no sense to me, Bc why do I even request a payoff if they have extra hidden fees ) they said they ca n't help me anymore and to send in a written request. 

I have only had problems with them since XXXX  transferred to them. If you can please help us as I feel like we are getting fleeced an extra {$52.00} on top of the payoff we paid to them. 

Thanks 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 2019-08-06
Company: EQUIFAX, INC.
State: LA
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a letter from the Fair Collections and Outsourcing Inc, in an attempt to collect a debt that was not mine. 

Today, I visited the property that sent me to collections for this unpaid apartment application in an attempt to learn more about how this happened. 

The property manager XXXX XXXX printed documents showing that my name and social security number were used with additional information to include phone number and addresses that didn't belong to me. The person who pretended to be me when applying for this application listed their bank as XXXX XXXX XXXX XXXX a bank I have never belonged too nor had dealings with. 

The property manager agreed that it was identity theft which occurred but continues to direct me to deal with the collections agency he forwarded me too, instead of dropping the collection. 

He even stated that he opened another claim against me but was not sure if it was tied to the same account number. 

I am not responsible for this charge nor was I the person that initiated it. 
The only thing that was valid in this person 's application in an attempt to impersonate me was the name and social security number from the documents that I see.

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 2020-11-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the refinancing process with Lake View Loan XXXX XXXX 2020. 
I have been displaced from one processor to another, totaling two as of today. 
I received an initial email from my 2nd loan agent on XXXX/XXXX/2020. 
I sent a status email to her on XX/XX/XXXX. I placed multiple emails and voicemails, when after several weeks of no return calls or responsive emails. ( Dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) I finally received a call that due to an audit, things had been delayed, no such knowledge of this in the weeks prior. The agent informed me that she would do better with communication. I was not confident in the company at this point but proceeded. 
We agreed on a closing date of XXXX/XXXX/20, with the closing disclosure set to be sent to me within 2-3 business days. To date, it has been 7 business days with no disclosures. I have left 2 voicemails and sent another 3 emails requesting status updates, as the date is fast approaching. ( Dates : XXXX, XXXX & XXXX ). No return call, or email. I find this to be very disheartening and unprofessional, as I have returned documents and responded to their requests for documents in a timely fashion. I do not intend to continue business with this company, as it is clear, they do not value their consumers, time or exercise good time management. This company is by far the worse mortgage company I have encountered. As a recent first time home buyer, I am saddened that they cheapened my experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Southwest Credit Systems, L.P.
State: SC
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. The collection never shouldve been on my report to begin with as the bill was mailed to the wrong address. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. I am trying to get a home loan and this negative mark is drastically effecting my ability to get the best rates. Please help me resolve this issue as it should not have been on my report to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges.

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : Alliant Credit Union XX/XX/2021 Alliant Credit Union XX/XX/2021 Factual Data XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX Card Services XX/XX/2021 XXXX XXXX and Finance Companies XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CL Holdings LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond. 

In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus. 

Thanks for your corporation with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: OneMain Finance Corporation
State: PA
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 pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
One Main : inquiry date is XX/XX/XXXX. 
XXXX card : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ACIMA CREDIT, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
ACIMA issues are they tried hitting my account for payments 2 times and i set the account on monthly and it's suppose to be 90 days same as cash. 
I called get hung up on trying to resolve the issue. 
My bank contacted me to Acima was trying to hit my account 2 times weekly.

Bank stop payments to Acima due to them trying to hit my account 2 times a week Rude on phone always trying to over talk you never can say one thing to resolve the account.

{$50.00} dollars that was told to open the account and it went towards my bill. One lie after another with Acima and this weekly I change setting the account up in the store over the phone.

Company response to consumer: Closed with explanation