BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: CA
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:
I sent a letter to Equifax on XXXX disputing an account, listed without a company name or any contact information, they responded stating that the account was verified. On XXXX I sent a second dispute letter, factually disputing the contents of the account as the account had been illegally re-aged causing it to stay on my credit report longer than it legally should and was in violation of Metro 2 compliance, as it was missing multiple necessary fields of information required for me to try to identify what exactly this account was pertaining to. As time goes on, the name of the account appears on my report as XXXX XXXX. Again, the account came back verified, no changes. A 3rd letter was sent to Equifax on XXXX reiterating the fact that the account still remained unverified. 

On XXXX I received a letter from the collection company, XXXX XXXX advising me that my previous dispute with the CFPB had been received. They then proceeded to state that the account had been confirmed with their client, and then sent me a copy of medical records and a break down of procedures. 

Upon receipt of this letter, I responded directly to XXXX XXXX, ( sent them the same letter twice within a 7 day period. As they like to claim they do not receive your mail ) requesting copies of any agreement that bears signature of the alleged debtor wherein he or she agreed to pay the creditor AND as this is a medical account a copy of any HIPAA authorization.

I had then sent a letter to equifax requesting the immediate deletion of this account, as the medical collector had violated major HIPAA laws. Equifax remains unresponsive. 

I never received a response back to my letter requesting these documents, so I called in and spoke with a manager/supervisor about the account. She advised me that she was not required to provide me with this information, and that she get 's " dozens of these letters all the time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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 i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.

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 2020-12-03
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: Information belongs to someone else

Complaint:
i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: SLM CORPORATION
State: CT
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:
I switched jobs and informed sallie mae i would not be able to pay on time. They told me that I would have a 15 day grace period and their would be a late fee. I said i would not be able to make it in that window. They said too bad you'll need to speak to collection the person i spoke with refused to let me speak with his supervisor. Wait a week until your bill os past due. When i called i discovered that my $ XXXX  monthly bill had a late fee which doubled it to XXXX. I sat on hold trying to get to collections for over an hour. I used their online customer service to temporarily change my payment plan. However my complaint is bring filed due to the predatory nature of their practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Equifax has been reporting this alleged debt on my credit report not providing me with any proof of the alleged debt. I have written Equifax 3 letter 's to no response at all. I know that COVID has a big part in response, my first letter was sent to them in XX/XX/ still no response from Equifax. I'm submitting all 3 letter 's that I've submitted to Equifax with no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened up at TD bank account they sent me the card only for me to go In the bank and to be told I already had an account. Which Ive never had in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Nelnet, Inc.
State: AL
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 was contacted and scammed on XXXX of 2018 and I was XXXX enough to believe it was the department of education. They knew all of my information and where I went to school and everything and told me about a student forgiveness program I was eligible for ; based on my income. They said if I paid in {$550.00} then I could get into the program and I ended up putting it on credit thinking I could get my debt erased. I was tricked to believe that If I ended up making an substantial amount of money next year then worst case of scenario I would get my money backs I have the email where it was confirmed that I was accepted into the program and everything. It identified them as XXXX. Now I realized they just set me up with Nelnet, who I was paying my loan to for a forbearance and I was mislead this whole time. Now the number they gave me has been disconnected and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2023-10-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I found out that I had a debt from XXXX  for {$180.00} that was being collected by CCS Collections. When I called XXXX, they verified that I was not the person that owed the debt. I then called CCS Collections and they informed me that there was nothing that they could do to remove the debt and I had to prove my identity. It is not my responsibility to prove that they screwed up. This is preventing me from getting a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Certified letter sent to collections agency requesting proof of debt. Was not provided. 

Delivered XX/XX/2021 This account was fully paid last year. I called and confirmed with XXXX after returning my unused equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

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 2020-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Bread Financial Holdings, 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:
I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX.  This inquiry was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

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 2021-04-26
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: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, which was sent with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY IS AN ENTITY i HAVE REPEATEDLY CONTACTED TO VERIFY CHARGES. THEY CAN NOT PROVIDE ANY DOCUMENTATION BETWEEN MYSELF AND THEIR COMPANY. I NEED THIS REPEATED NEGATIVE MARK OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I recieved the letter from Bayview Loan Servicing about " Notice of Default and Intent to Accelerate '' alerting me that I'm in risk of default because I missed the payments since XX/XX/XXXX. Even though, when the loan modification was signed they adjusted the interest to 4 % and now they are trying to put me in default. 

A complain is already opened for them to adjust to 4 % instead of 5.62 % because they assumed it was a clerical error. It is definitely not an clerical error which they are trying to put me under default so they can proceed to foreclosure. Since the first modification I have made payments on time and now they are claiming I'am in default in the amount of {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: HI
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 XX/XX/XXXX I responded to an advertised balance transfer offer on the Citi 's website, which I use to monitor and manage my Double Cash Credit Card account. The offer was for 0 % percent interest rate on balance transfers until XX/XX/XXXX ( the website advertised that the offer would be expire on XX/XX/XXXX ). I followed up with Citi this morning to confirm that the balance transfers were approved under their advertised offer. In two separate conversations ( one via chat and the other over the phone ), I was informed that the balance transfers were done at the typical 24 % rate and that no 0 % offer on balance transfers were ever offered to me. In my chat conversation, I asked that the my balance transfer request be cancelled and was informed that it was too late as the checks had been cut. After confirming this issue over the phone with Citi, and confirming the balance transfers were not executed under the 0 % interest offer, I closed the account but was told I could not pay off the balance as the balance transfers were pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Viewed credit file with Experian in reference to XXXX XXXX account showing charged off. It showed a charged off amount of {$5800.00}.

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 2020-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was shopping on XXXX on XXXX XXXX and came across this XXXX XXXX bag. in the description advertising a XXXX XXXX XXXX XXXX it states, " 100 % authentic. Smoke and pet free home. DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS. Amazing bag, amazing Condition! Same day shipping. Txt for more info XXXX. '' So I reached out to the perpetrator, regarding the bag. I made an offer for {$670.00}. She accepted. I sent her my fund by way of XXXX through Bank of America. I provided her my address. My bag never came. I contacted her and never received a response. However, she would post the same bag and message on XXXX. When my bag did not arrive Saturday, I called my bank XXXX XXXX and notified them. I then filed a police report on XX/XX/XXXX. I received correspondence today XX/XX/XXXX from my bank stating they denied my claim. I would also like to mention that the perpetrator created different usernames daily. In my pictures below you will notice 2 different usernames, but they both are the same person. I am to track this person down by being very specific in my searches. In XXXX  I will search the phone number ( XXXX ) OR I will search " DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS ''

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept 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 non-monetary relief