BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Equifax regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Equifax for review ; once again they have failed to acknowledge " documentation ''. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Equifax ). I need copies of the documents you claim to use to verify for review only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: DE
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:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2022 I received XXXX notices of loan forgiveness, however, I dispute the calculation of payments that qualify for a refund. After multiple calls with my loan servicer ( Fed Loan Servicing ) from XXXX to XXXX that did not resolve the issue, I filed XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX site on XX/XX/XXXX. To date I have not received as status update, nor can I determine where I can find out the status. A copy of my Reconsideration Request is attached.

On July 21st, I spent more than 3 hours on the phone with Fed Loan Servicing, XXXX, and Federal Student Aid trying to determine who has my information. Fed Loan Servicing said I need to call Federal Student Aid ; XXXX doesn't even have me in their system and told me to call Federal Student Aid ; and representatives in the XXXX XXXX XXXX  Forgiveness and Discharge department told me the loan servicers are handling reconsideration requests. I note that XXXX hosts the reconsideration form on its site and sent the confirmation email I received immediately after I filed the request, so I expect XXXX to know what is going on with my request. 

On XX/XX/XXXX, I submitted a formal complaint on the XXXX website. On XX/XX/XXXX, I received an email that did not acknowledge my specific concern but provided information I ALREADY HAD AND USED for Fed Loan Servicing and XXXX and stated my case was closed. 

On XX/XX/XXXX, I filed a complaint with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) Office of Consumer Advocacy using my Fed Loan Servicing access. As you will see in the attached email correspondence, they continue to evade my question about the Reconsideration Request and provide me information as if they have not read my complaints.

I am EXTREMELY FRUSTRATED to learn NO ONE seems to know who is handling PSLF Reconsideration Requests and even more worried that no one is reviewing what is filed. Furthermore, I believe I am still owed {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am desperately trying to save my home because I am on XXXX XXXX and the lender just keeps on making harder for me to save my home. I have my children and wife back home whom won't have anywhere else to go if this happens! 

I called them this morning to accept a payment because I need to schedule one more payment in order to qualify for a modification. At first they said yes we can and now after XXXX ID : XXXX a supervisor from their house said she can't take my payment. 

I am an XXXX XXXX XXXX who is serving our country and just needs to make one payment to save my home! I am not in foreclosure yet but they are getting close. I am just one payment away from qualifying. Per XXXX they can't foreclose on my home while I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XX/XX/2023, I was given a trial modification. I made ALL of my payments thru XX/XX/2023, which in XXXX they did not want to accept any more payments. 

Upon investigation, I was told that they sent me a permanent modification to me in XX/XX/2023. I never received this package and was not able to sign it. They resubmitted this and I signed and sent it back in XX/XX/2023. 

My house is listed for sale at the end of XXXX. I need to have a PERMANENT LOAN MODIFICATION for my property. 

Please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have sent certified letters to the companies with no response and no proof of ownership it is against my rights and HIPPA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.

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 2021-08-07
Company: EQUIFAX, INC.
State: VA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-01-12
Company: EQUIFAX, INC.
State: MN
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 been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information. Please remove the negative account right away. 

Also, there are some unauthorized inquiries that I don't recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Balance : 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 2018-11-09
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-11-09
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made a payment with AES in early XX/XX/XXXX. I asked that a scheduled payment be cancelled. The customer service representative agreed. The payment was not cancelled. 

Today when I called to ask about the cancelled payment, I was told that my money would be returned in 7 to 14 days. After 14 days, I checked and discovered that my refund has not been processed. On this call, I was told that ( 1 ) the refund request was being reviewed, ( 2 ) the review process can take 10 days and ( 3 ) if the review results in a refund, it will take 30 days for that refund to be issued. 

I was concerned because none of this information was shared in my previous call. I asked the customer service if the process for refunds was listed online because I would like to review it. The representative checked and said that the process was not online. She asked if I wanted to see if the policy could be sent to me. I said yes. The company agreed to send me a special letter outlining their process. 

The process for this company should be ( 1 ) clear and ( 2 )  easy for the customer to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh 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 2020-07-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made the following purchase in XXXX using my Chase Visa credit card : Merchant : XXXX XXXX, XXXX, XXXX   Purchase date : XX/XX/2018 Purchase Amount : Rs XXXX Equivalent USD Amount : {$7500.00} ( based on the exchange rate on the purchase date ) Actual amount shown in my Chase card statement : {$7800.00} Dispute Amount : {$350.00} ( the amount charged in excess ) I opened a dispute with chase on XX/XX/18 case number : XXXX. Chase credited my account for the disputed amount, collected the proof from the merchant for the transaction and determined that the charge is valid on XX/XX/18 and charged my account again. I re-opened the dispute on XX/XX/18 case number XXXX, as I thought they didn't understand that I was disputing the conversion rate and that I was not disputing that the purchase didn't occur. Chase reviewed the case and once again determined that the charge is valid ( without even discussing with me what I was disputing ). 

I have attached a proof of International charge alert received from Chase showing the correct dollar amount. I believe Chase has the responsibility to ensure that merchants charged their cardholders correct dollar amount for foreign currency purchases.

Company response to consumer: Closed with monetary relief