BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
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:
I recently filed a complaint about equifax having unauthorised hard inquires on my report. I also mentioned that they will not let me access my account. I cant even get past name, address, SS #, birthday as they keep saying my answers dont match there records. This is rediculouse.I know my own info. I even included there file number XXXX. They are rudely mistaken. They e-mailed me saying I could check there answer to the investigation. However they wont acknowledge I am me. So what option do I have but to ask for seriouse help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION HAS RECEIVED 5 OR MORE DISPUTE LETTERS ASKING FOR TRANSUNION TO SHOW ME CONTACT INFO OR THE ORIGINAL CONTRACT, BUT THEY NEVER DO

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 2022-08-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called XXXX XXXX XXXX about having to miss four payments. I felt that didn't show empathy, and was rude. From XXXX to XX/XX/2021, due to going through a difficult divorce. The spouse left the residence and left me in a financial bind. From XX/XX/2021 to Currently I haven't missed a payment. All I am asking to revive the four late payments off my credit report. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of reciept of this report. Failure to do so is a violation of my rights.

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 2020-05-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XX/XX/202 we noticed my wife 's Equifax credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : KMN at XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an Equifax score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In response to CFPB complaint XXXX CitiBank approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and CitiBank to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact Citi. When I contact Citi, Citi tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the three credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from CitiBank showing the loans should be removed. 

I have uploaded the original complaint, the letter from citi, and the response from one of the credit agencies.

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 2020-05-06
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: Account information incorrect

Complaint:
By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. OnXX/XX/202 we noticed my wife 's XX/XX/XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XX/XX/XXXXat XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX  within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.

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 2021-11-29
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I received a letter in behalf of LVNV Funding LLC from XXXX, XXXX and XXXX stating they wre represent them. After doing some investigation I noticed that the attorney did not have license to practice in the state that the XXXX originated in which is MA. XXXX has also been reporting this account incorrectly which is hurting my credit. They have been reporting a past due balance. As per the FDCPA only the original creditor can report an account 30,60,90 or 120 days past due. They are in violation and ask that this account be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Veterans United and was assigned XXXX XXXX. She pulled my credit and issued me a prequalification letter for {$600000.00}. 

I asked on several occasions for a loan estimate beginning XX/XX/21, for a specific property to determine what the loan would cost me. 
She refused and stated she could only send a loan estimate once I signed a contract meaning I would be on the hook before knowing what the costs were. She only told me : o A Loan Estimate isnt done until you go under contract on a homebut I can tell you total closing costs would be about 4.5 %, so roughly $ XXXXhope this helps, let me know if you have any other questions. 
I escalated by phone to ( 2 ) different phone agents and was also denied and LE, I escalated again and was emailed an improper LE for the full {$600.00} from XXXX XXXX, rather than the actual property I submitted ( XXXX XXXX ). 

Attached are the complete email communications ( only a few are below ), the improper LE, and the prequal 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 explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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:
one XXXX account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, 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 2018-04-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
Purchased mattress with XXXX XXXX  Credit card promotion, where if you set up automatic payments, there was XXXX interest. I was told the whole process was automated, including a balloon payment at the end. However, the balloon payment was not automated, so when it didn't happen, I was charged deferred interest charges of {$2900.00}. I have paperless statements with this account and usually get monthly emails with balance. I had not received an email for the last 4 months, and when I received it this month ( XX/XX/XXXX ), I saw the higher balance. I called them to see if they could waive the charges but they said I was outside the 30 day waive window. My issue is that I was unaware of this charge because I understood the whole process to be automated including balloon payment, and I received no email statement saying that I needed to pay it off, only an email when it was 2 days outside the waive fee window.

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 2019-04-09
Company: Equitable Acceptance Corp
State: TX
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 was referred to Equitable Acceptance Corporation for a loan forgiveness/consolidation program for my student loans XX/XX/XXXX. I called the company and setup an account with them on XX/XX/XXXX. At that time I was informed that they consolidated my loans and I pay them monthly while they pay my loans off. XX/XX/XXXX I received an email from my student loan officer with XXXX XXXX College stating I was 174 days late. I called my loan officer on XX/XX/XXXX and found out that the company was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date 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 2019-04-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
MY EX WIFE XXXX XXXX XXXX IS USING MY INFORMATION TO RECEIVE CREDIT CARDS AND OTHERN LOANS IN MY NAME. I'VE CONTACTED CITI SEVERAL TIMES AND THEY STATED THERES NOTHING THEY CAN DO. XXXX XXXX XXXX MY EX WIFE SINCE XX/XX/2015 HAS ALSO OPENED BANK ACCOUNTS IN MY BANK WITH LINES OF CREDIT. THOSE CREDIT CREDIT ISSUED BY CITI BANK ARE FRAUD.

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 2021-05-03
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My consumer transaction report has been tarnished due to Monterey Collection services. I have been called multiple times harassed by their call center or reps about an alleged debt. violation of XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX without prior consent. Violation of XXXX XXXX XXXX : Harass and oppressive use of XXXX about an alleged debt. I have not ever signed a contract with XXXX XXXX XXXX which is a violation of XXXX XXXX XXXX ( XXXX ) Attempting to collect a debt unauthorized by an agreement between parties. Then this alleged debt has caused me to lose out on employment opportunity as well as home ownership, a violation of XXXX XXXX XXXX. Lastly, as a law abiding fedeerally protected consumer I was not given the opportunity to validate this debt and even sent off papers certified mail asking for these phone calls to stop, as they were harassing myself as well for XXXX to send me information regarding this deby. I have not received a reply from XXXX which is a violation XXXX XXXX XXXX ( a ) ( XXXX ), certifiable validation and verification of alleged debt.As the original creditor of any debt, I do not validate this debt and demand it be removed from my consumer transaction report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Southern Auto Finance Co
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a XXXX XXXX here in XXXX Texas, when trying to trade it in I had issues. I went to the XXXX Dealer -XXXX XXXX they advised me the finance company SAFCO is not one they use. I explained it was their sales manager that did the financing. I eventually called the finance company to come and get the car. They sent a company. About 4 months later I called to get the paperwork as required by Texas repo laws. They said I did turn the car in. After numerous calls this company decided to report late every month for the past year after confirming the resold the vehicle. I gave the car back in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX and every other day of the week ( weekdays Im contacted by this company saying. I owe over {$2300.00} for a loan that I got with XXXX XXXX XXXX. I mentioned in XXXX to XXXX XXXX XXXX that I may be out of work for some time tried to get a lower amount to possibly pay since husband was XXXX to XXXX   instead of XXXX. Which has been hard to find a job. Ive recorded a few calls with this company on my sons cell phone they are very pushy stating I should try to get the funds from someone else. Which I have always done by myself and worked. I left my job of almost 4 years in XXXX and we are barley making ends meet. This loan was over {$140.00} every two weeks at my old job. I could afford it. Now the collections. Department is being very pushy calling me way early in the morning. Demanding pretty much that I pay. Theyll tell me to contact them when financial situation is better but then contacts me again from random numbers that I dont even know. This loan was received in XXXX from then until XXXX i paid over {$140.00} every two weeks now they are saying I owe over {$2300.00} for this loan in collections. Which I cant afford! I refuse. The lady XXXX never mentioned any type of fees with interest being added for the loan at all. I even asked for a payment to be pushed to the end. she said she couldnt Do it! When it was with XXXX XXXX XXXX

Company response to consumer: Closed with explanation