BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-02-20
Company: AES/PHEAA
State: NC
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:
In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I mailed out a letter to Sagestream notifying them to freeze my SageStream report. the were in receipt of this letter on XX/XX/2019. I've yet to receive any correspondence from them. I've called repeatedly and no answer for two weeks now. please have them freeze my report immediately and have them send me in writing that this has been taken care of. thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: NC
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 contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an XXXX XXXX from XXXX XXXX on XX/XX/2016. - with an XXXX care package .Within 2weeks I was dissatisfied with the product & went to XXXX & got an XXXX XXXX also with an XXXX care package. I informed XXXX XXXX about this & requested that they cancel my care package. I also went to the store & told the person that I bought the phones from & that the care package needs to be cancelled. In XX/XX/XXXXI realized that there was a charge on the when I paid off the balance on this account-yesterday there was a bill due. I called XXXX XXXX & discussed this @ great length with the customer service person. He documented all the information & told me I would get a refund. I got another bill in XX/XX/XXXX & called them again & again I was told that I wold get a refund. In XX/XX/XXXXI saw my statement & called XXXX XXXX & was told that my XXXX care package was still active & that I have to pay for the care package. When I asked to speak to a manager- I was on hold for 90 minutes - no manager came on the phone to talk tome. I went to the store & talked to a manager there - I was told that I wil get a resolution & no such resolution came. I am frustrated that XXXX XXXX would report this as late & add late payment charges on this even though I am due a refund from them. Please help

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 2019-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached letter. 

I have been attempting to get information on MIP from Select Portfolio Servicing since XXXX XXXX. After two months of an " escalated '' issue, they finally opened a " dispute. '' The US Treasury has already taken my Federal Tax Return, and they're getting ready to garnish my wages. 

I needed the information two months ago, and I am getting the run around from Select Portfolio Servicing to get the required documentation to have prevented collection action from HUD. 

I have never disputed that there was an {$8000.00} " silent second '' mortgage that I would need to pay if I ever refinanced or purchased a new home. My dispute is that it is DUE NOW?? 

After receiving a demand letter from HUD, I hired an attorney. It was determined that it was related to the MIP insurance on my " silent second '' mortgage. 

I contacted HUD, and they just said to contact my lender, that they couldn't do anything to help me. My lender was supposedly waiting to hear back from FHA to add the insurance back on, per HUD. Then the government shutdown. They are still allegedly " waiting to hear back from FHA '' even now. 

After inquiring on whether I had met the requirements to drop MIP insurance in XX/XX/XXXX, Select Portfolio Servicing allowed me to do so in XX/XX/XXXX. I had met the requirements of being eligible to drop the {$86.00} per month premium I had paid for 6 years. I had paid down the mortgage on my home to 78 %. 

It was my understanding that SPS had requested and received approval by HUD and/or FHA to cancel the insurance. 

I have requested a copy of the document where HUD or FHA made this approval. I need a copy of my " servicing file '' and they said it needed to be in writing. I e-mailed them on XX/XX/XXXX. Today, she said it had to be MAILED!?!?!?!? WHO APPROVED MY INQUIRY AS TO WHETHER OR NOT I MET ALL THE REQUIREMENTS TO HAVE IT REMOVED?!?!?!?!? 

This is a time sensitive situation. I DO NOT HAVE TIME FOR THIS! Because they have drug their feet for two and a half months, my wages are about to be garnished. 

The resolution would be them sending an immediate digital file TODAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2018 I've been trying very hard to have is ( TransUnion ) credit reporting agency correct or delete all misleading, incomplete, unverifiable accounts and information from my credit file. However ( TransUnion ) has repeatedly chosen not to adhere to federal law. CPA & FCRA.

The following accounts were deemed to be reporting accurately but with no physical evidence. Per sec 609 of the ( FCRA ). No proof of what they say I owe, and balloon account balance.

1 ) XXXX XXXX {$2600.00} 2 ) XXXX {$1500.00} 3 ) XXXXXXXX XXXX XXXX {$980.00} 4 ) XXXX XXXX XXXX   {$1500.00} 5 ) XXXX XXXX XXXX {$13000.00} 6 ) XXXX XXXX XXXX XXXXXXXX {$3500.00} 7 ) XXXX XXXX XXXX XXXXXXXX {$1900.00} 8 ) XXXX XXXX XXXX {$380.00} All of the above accounts has not been accurately verified. and should be deleted or removed from my credit profile immediately.

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 2019-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 got a letter in the mail from credit acceptance they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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 2021-01-22
Company: CBC Companies, Inc.
State: CA
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: Public record information inaccurate

Complaint:
I am in the process of refinancing my loan with LoanDepot. In addition to pulling my credit report, they conducted a Fraud Investigative Report through DataVerify. The information in the DataVerify report inaccurately stated that I was foreclosed upon when I owned my condo in XXXX. This information is false and my credit report shows on-time payments and I have the pay-off statement from my bank/lender, XXXX, to prove this. 

I have repeatedly asked XXXX for a copy of my report and I explained that it was my right to receive a copy under the Fair Credit Report Act and that they are required to provide the name of the agency that provided the report. They refused to give me a copy of the report, stating that the report was proprietary information. I was finally able to get the name of the Fraud Investigation company, DataVerify, but XXXX did not provide the address and phone number or a contact that I could reach out to, so I could request the information in my report to be corrected. 

It would be very easy to verify from my former lender, XXXX, that I was never in foreclosure and that I always paid on-time. They can see there was no negative mark from XXXX in my credit report and they can call XXXX to verify the information. 

XXXX has not notified DataVerify that I want to dispute the incorrect foreclosure information. I want the incorrect information removed from my files in their report and I want a copy of the report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: PA
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 because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX collection agency or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with Equifax and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX deleted it from my account in less than a month from my dispute. Equifax attests that XXXX XXXX has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with Equifax, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency. 

Equifax sends me emails about " working hard to fix my problem '' but in reality they are just sending a message to the creditor and letting them decide whether it is valid or not. Then, in order to append information to my appeal, they want me to fax in a copy of my social security card and the supporting documents. Not only is this both a slow and unreliable way to attach documentation to an online claim, and not only is this an incredibly insecure practice, it is also a flagrant attempt to obfuscate the appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX XXXX/XXXX/XXXX I opened a checking account at Webster Bank XXXX University brunch located on XXXX XXXX in XXXX. The terms offered by the branch manager XXXX were a {$350.00} dollars bonus after 4 months on the deposit of {$10000.00} dollars. I made a deposit of {$15000.00} dollars. 

After I checked with the bank in a few months I was told that the information was incorrect and XXXX made a mistake. The terms actually were 6 months. I checked the terms that I received in the day of the original deposit and it said the bonus will be credited to my account on XXXX XXXX, XXXX. 

After I waited another two months Webster bank did not issue a credit on XXXX XXXX, XXXX. After I contacted the bank I was told by the service representative that there is no bonus and I will not be getting anything. 

In a last two weeks I had been trying to resolve this with Webster bank through numerous attempts to contact anyone from branch manager to their upper management. The new branch manager in the location where the account was opened is not answering my calls and not returning my calls. A few times I spoke to him I was told that there was some kind of the mistake and it will be resolved shortly, but it has been two weeks. 

I was able to get a hold of a market manager for the XXXX market. I believe his name is XXXX XXXX and his number is ( XXXX ) XXXX. He was very rude, but promised to resolve the situation. It has been 10 days and nothing has been addressed. He is no longer answers my phone calls. 

I also reached out to the corporate office for Webster banks and spoke to XXXX XXXX XXXXenior vice president of Corporate Communications and Public Affairs XXXXXXXXXXXX. She asked me to email her the information and promised to get back to me right away. It has been more than 10 days and she is not answering her phone, not returning my phone calls, and not replied to my email. 

I tried to address the situation with Webster Bank phone customer service multiple times and they are not aware of anything and refer me to the branch where the account was opened. 

I contacted the Webster Bank headquarters and XXXX CT. The bank official I spoke to took my information and also promised to resolve the situation. I have not heard back from him either in more than 10 days. 

I do not know what to do at this point. As of today, XXXX XXXX, XXXX, I still has not received anything ... I opened an account and made a large deposit to Webster Bank on the consideration of the bonus. This now clearly became a fraud on part of Webster Bank. The bank is using my money for more than seven months and not fulfilling their obligation. Management ignores me and does not care. It I close the account I will certainly not get the bonus from them. Even if I get the bonus at some point this is not what the banks advertised and promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 ) XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. 
As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they  notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. 
CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account SAIF ID # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.

Company response to consumer: Closed with explanation