BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a victim of identity theft. 
In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open bank and credit accounts, without my knowledge and permission. 
One of these banks, after acknowledging the problem, provided me with a complementary, 3-agency extended fraud alert. 
Since then, I have been successful in creating online accounts with XXXX and XXXX, so that I am able to monitor activities and look for illegal attempts by identity thieves. 
In contrast, when I try to do the same with Experian, the system fails to correctly authenticate my identity : almost all authentication questions do not apply to me. Upon failing, they provide a phone number ( XXXX ) to contact. As soon as I call, the automated voice asks for my Social Security Number, which I provide obediently. The voice then says I did not get that. And the same cycle repeats. There is no option/route to reach a human being to resolve the problem. I have tried this approach dozens of times since XXXX, with no success. 
I request that Experian correctly authenticate my identity, so that I can access my online 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 non-monetary relief
Consumer complaint received 2019-02-21
Company: Navient Solutions, LLC.
State: MS
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 have been paying on my loans since 2010 and the balances have barely decreased. Tried to make arrangements and the still closed one of my accounts. They have been calling me and my dad ( co-signer ) about late payments even after I paid on the balance. They sent me a repayment amount for the only open account, which I have been paying, and still send emails saying I am delinquent and owe more money. The system will not allow me to make payments each month even though if it is above the amount my monthly payment is. They now tell me I have to pay on the closed account because they still collect money for it even though I have sent money to the debt collector my account was sent to. I have asked for statements and monthly payment requirements but get different answers each time I call. They still have not sent all my statements for all loans, what Ive paid, & the balances due. I cant get into the account online. It always says The account is disabled. I have asked on several calls to them for this to be corrected but they have not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: FL
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 my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.

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 2017-09-14
Company: EQUIFAX, INC.
State: FL
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 provided these documents to Equifax twice in my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: DISCOVER BANK
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 rarely use my Discover card anymore because their customer support no longer supports their customers. 

In this case, I bought a computer processor that turned out to be defective. The merchant, XXXX, does not respond to customer complaints and does not resolve issues with their sellers ' shipping defective merchandise. 

In this case, I received a defective CPU processor. I contacted XXXX to report the issue, and XXXX 's automated response was to disregard the issue. I opened a dispute via Discover, and after a few months, Discover came back siding with XXXX. 

I would not raise this issue other than Discover has made no attempt to contact me or request additional information regarding this issue. It would appear that Discover simply does a a cursory attempt to contact XXXX and accept any excuse provided to close the case. 

This is not the first time Ive had issues with Discovers customer support not conducting thorough investigations for disputes, but it is finally worth escalating, even if it is over a {$27.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Berlin-Wheeler, Inc. (Kansas)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened a XXXX account using my name last fall at an address that was not mine. XXXX asked XXXX XXXX  debt collection agency to collect. They called me none stop. I finally answered & we agreed the address of the service was not my address. Then another collection agency Berlin Wheeler started putting derogatory info in my credit history, but they never contacted me. I opened a case via XXXX  They are working on it. Berlin wheeler sent a form for me to fill out that wanted so much personal info they would be able to steal my identify. I did not complete that form.

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 2019-06-09
Company: TyKy
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Didnt have 2 years of income and loan officer made me file more income for 2018 tax returns to qualify for the mortgage. Had to be in escrow over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Basically I am complaining that two different mortgage companies 1 ) XXXX  2 ) Lakeview/XXXX XXXX   mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). 
Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. 
By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress.

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 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
After becoming aware of the Equifax Security Breach last week, on X/X/17 I availed myself of their website to check on whether or not my information had been breached. As per their instructions on their website, I completed the online form and received the on screen electronic response that my information " ... ... may have been impacted ... ... '' and it directed me to enroll in their " XXXX XXXX '' product. 

I subsequently called a contact phone listed on their website provided for victims of this security breach and queried them as to whether or not my information had/had not been breached and pointed out that their website had informed me only that it " may have been impacted '' and I wanted to know definitively if if had/had not been. They were unable to tell me and took my phone number and said that when they were able to determine whether or not they could make that determination, they would call me back. Not really an answer and it has been days, and I have had no return call. I also informed them that in addition to my own query, I made up a name and last six digits and submitted a separate query with a last name of " XXXX '' and last six digits of a SSN of " XXXX '' to which the electronic response was that my " personal information was not impacted by this incident. '' The appropriate response should have been that there was no record for the information provided, not that it had not been impacted. 

The individual on the Equifax special phone line only referred me back to the website query point and could not/would not answer my question. Furthermore, they could not even provide me a general phone number for Equifax so that I could further pursue it. It appeared to be a contracted third party that provided me nothing more than did the query webpage. Furthermore, it has been since last week and I still have not call back from Equifax. 

For my genuine inquiry, the response is inadequate. Equifax has obviously identified which files were breached and should tell consumers definitely if their information was stolen or not. There is a lot of work individuals must do to protect themselves if their information was breached and if with this kind of ambiguous response, an individual does not know if they need to undertake the arduous and costly task of further protecting themselves. 
In addition, Equifax should be providing free LIFETIME monitoring, not just a one year program that I will have to pay for beyond that one year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: NY
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:
According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

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 2020-01-30
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
In XX/XX/2016 I moved to Florida. I had been paying the exact same amount for my car lease for years. Months later, I received a letter from Toyota Finance informing me that I had been underpaying for months and I owed significant penalties. I had never been late on a payment in over a decade, and I was never informed that my monthly payment had increased due to my move. I never ever missed a payment, I was underpaying because no one bothered to tell me my monthly payment increased. 

I have disputed this information on my credit report twice, and the most recent dispute resulted in an update to my account which now shows I was 60 days late instead of the 30 days it showed previously. I feel I am being punished for disputing this information. My credit score has now dropped even further because of this retaliation. This is extremely unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.

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 2019-02-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently filed a complaint on XX/XX/19 with the CFPB ( complaint # XXXX ) which has been closed. I have attached a copy of my original complaint for your review. I do not consider this matter closed as the response from the company is not valid. To make a long story short, Rushmore Loan Management Services has refused to pay an incentive which was offered to me for completion of the Deed in Lieu process ( additional details can be found in my original complaint ).

The response provided by Rushmore 's loss mitigation department was simply that it was a requirement of the offer that the house must be left in " broom swept clean '' condition. As part of my original complaint, I attached an email from my loss mitigation representative, which addressed this very matter before the process was completed. Upon receipt of the offer, I was concerned with this issue because I did not have the financial resources to clean the house. As you will see, she assures me that the offer is a " generic '' letter and that the investor has already agreed to accept the house " as-is '' and the condition of the home will not affect my ability to receive the incentive. She stated that the property had already been secured and this would not be an issue. I have again attached a copy of this email for your review. 

This process cost me time and money. Not only did I miss days at work to deal with issues at this property over the 6 years the banks dragged their feet even thinking about getting the title out of my name ; I also had to pay an attorney to review the paperwork they wanted me to sign. Given that I had already been through a bankruptcy, I had no financial reason to follow through with a deed in lieu. I simply wanted this to be over and was counting on these funds to make up for some of the financial burden I had incurred over the past 6 years. 

The practice of offering incentives to individuals that are obviously having financial difficulties and then attempting to create a " loophole '' not to pay them is clearly an " unfair and deceptive '' act or practice which falls under the scope of UDAAP. Rushmore should be held responsible for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my husband and I were sent to collections for the amount of {$1800.00} and is currently accruing interest which amounts to XXXX as of XX/XX/2019. We have attempted to resolve this issue with the apartments by personally talking to the manager of the apartments for our first attempt, then continuously calling them after that. There were different managers every time we talk to someone. They would always say that they will send us emails as to what the charges were for but we have not received any kind of communication from last year until the present. So we do not know what the charges are for. They have our current email addresses and contact details but we have no communication of any kind from them about this debt that we supposedly owed. This debt collection report is now affecting our credit score. Thank you. Company is XXXX XXXX XXXX and is currently given to IQ Data International.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation