BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: MI
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:
CAN ANYONE HOLD EQUIFAX ACCOUNTABLE??? 

I HAVE SEVERAL COMPLAINTS ON THIS WEBSITE AS WELL AS EQUIFAX REGARDING THE WRONG NAME ON MY CREDIT REPORT. EQUIFAX CONTINUES TO PLACE A SUFFIX OF " XXXX '' ON MY CREDIT REPORT. 

I HAVE EVEN HIRED AN ATTORNEY TO SEND THEM A LETTER REGARDING THIS MATTER. AND IT SEEMS TO FALL ON DEAF EARS! THERE ARE SEVERAL CASES STILL OPEN ON THE CFPB WEBSITE STILL OPEN FROM XX/XX/XXXX & XX/XX/XXXX THAT HAVE NOT BEEN ADDRESSED. 

ALSO, MY WIFE AND I WERE VICTIMS OF IDENTITY THEFT IN XX/XX/2019 AND MADE A POLICE REPORT ( ATTACHED ) I HAVE SEVERAL INQUIRIES THAT ARE ON MY CREDIT REPORT ( ATTACHED ) THAT ARE NOT MINE! EQUIFAX SENDS ME A XXXX LETTER THAT I NEED TO CONTACT THOSE BUSINESS 'S ... EQUIFAX PUT THOSE INQUIRES THERE I DIDNT! 

I HAVE SENT SEVERAL LETTER TO MY CONGRESSMEN AND SENATORS TO ASKING FOR NEW LEGISLATION TO CONTROL THESE CREDIT REPORTING AGENCIES AS THEY ARE CORRUPT, INCOMPETENT AND HURT AMERICAN PEOPLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Received a spam text on XX/XX/21 at XXXX stating " C I T I B A N K : ( # XXXX ) Acct locked due to suspected fraud Sign-In attempt. Confirm your details now at https : XXXX to restore access '' I don't have an account with CITIBANK and haven't for over a year. Additionally, that account was a government credit card.

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 2021-11-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX XXXX and Equifax had all been told to contact me and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account number XXXX Name : XXXX XXXX  Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
<P/>
In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
<P/>
I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: SLM CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA and  HIPAA by  not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my  credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   I have disputed with numerous times and they are not deleting items that are not correct or updating correctly at all I have copies of incorrect items. I have disputing an item for a a year. There is a collection on here for  XXXX  from  XXXX   XXXX . I have no knowledge of this account. And in over a year they have never contacted me nor gi ven one it em of proof to myself or   XXXX   validating this. This is not mine. Both  XXXX  and   XXXX   deleted this off my credit report. Also my Chapter  XXXX  has been discharged.     In Chapter  XXXX  the account was paid 100 % to plan. Meaning 100 % of debts paid. Equifax is reporting all   XXXX    XXXX   XXXX  as negative and not being paid as agreed which i s FALSE. T he other  XXXX  agency 's have the correct total of  XXXX  balance on all which is correct. Equifax is not properly investigating any of these and continue report inaccurately driving my score down  XXXX  pts.     Also inaccurate credit inquiries I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Atlantic Credit & Finance, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is Atlantic Finance and Credit based out of XXXX, Virginia. I try to call and pay what I owe and they are clearly dodging my phone calls. I was finally answered by someone and transferred to a voice mail after hours of calling. They will not call me back and continue to charge my bank account {$22.00}. They have hundreds of reviews online about them not contacting consumers or being extremely rude when someone finally males contact. They are being extremely shady and unprofessional and I want my debt paid so I can remove them from my credit report and my livelihood.

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 2019-12-12
Company: Bread Financial Holdings, Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: BB&T CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/ 2019 in attempts to make a payment to the car lender REGIONAL ACCEPTANCE CORPORATION, my payment was denied due to lender refusal. During that time, when I attempted to speak with the lender and use their automated payment system to get this issue resolved, again my payment was refused. The last time the lender accepted my payment was XX/XX/ 2019. Since this date, the lender has not only compounded interest daily on my account, but also has called twice a day, everyday, for the past 30 days to ask when the new amount with the compounded interest would be paid in full. Many of the phone calls have been very demanding and intimidating - threats of vehicle repossession. As of XX/XX/2019 the original amount due was XXXX {$440.00}. However, today on XX/XX/, 2019, the amount due is XXXX {$1400.00} with interest included. I am reporting the company REGIONAL ACCEPTANCE CORPORATION as a predatory lender because they are not only difficult to work with, but also I suspect racketeering. Additionally, not only do I have statements showing my payments made on XX/XX/XXXX and XX/XX/ 2019 were rescinded ; but also I have photos of a recent online payment made the evening of XX/XX/, 2019 being refused 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 2019-08-27
Company: ACS Education Services
State: NY
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:
I requested a XXXX XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today telling me requesting additional information. I asked for the history of the loan to verify that I had 3 loans with them. I am only aware of 1 loan. They are telling me it was back in 1XX/XX/XXXX and XX/XX/XXXX. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: UT
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 disputed two accounts with XXXX XXXX XXXX. Please see attached file. The account was closed and paid on XX/XX/XXXX. The statute of limitations on PAYED AS AGREED trade lines is 10 years from the final payment & date closed. On XX/XX/XXXX there was an unauthorized updated which should never have happened to begin with. As a result, the account will continue past the statute of limitations of 10 years. 

I tried to call but the Equifax telephone system is programmed in such a way, that me, the consumer, can not connect with a live person. 

I need all my recent disputes gone over with me by a live person from Equifax so that all the disputes can be addressed. No one has the right to do an update or change a status date to keep information in my credit profile longer than allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I start my refinance of my mortgage on XX/XX/2022. The originating loan officer stated this would be a few week process since it was a refinance. I have submitted all documentation the day it was requested. I am now approaching 70 days and still have not got a commitment on closing. My original loan officer is no longer with the company and was never informed of this change. There have been multiple delays that I was not informed about. I have had to call Freedom Mortgage to learn there are documents that are needed. I recently learned who my new loan officer is, but is actually a sales manager with a license. He was not even aware the file was with him prior to our phone conversation. The company informed me on XX/XX/XXXX that my file was going to underwriting and would take 48 hours to complete. I called XX/XX/XXXX to be told it never went to underwriting and was asked if it was single family home and the HOA amount. These are questions that could have been answered from the appraisal that was complete a month earlier. Now it is XX/XX/XXXX and I still can not get a commitment on a closing. This is affecting me financially since I can not touch my credit and it is holding the Veteran Affairs ( VA ) benefits since the original loan was VA.

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 2017-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   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 explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following current and collection accounts listed on my Experian, XXXX XXXX and XXXX  credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is about my online account. To access my online account I must provide a XXXX XXXX phone number so I can be sent a temporary code. Since I am currently in XXXX XXXX XXXX I do not have access to the phone that is registered with my account. In this case there is no way that I can access my account online. No alternat solutions are provided to verify my identity such as email, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX  does not help their  XXXX  customers. I 've been recently deemed   XXXX    XXXX  and they do not even offer you a reduced payment. I was told by a representative that I would have to pay my loans as usual regardless of my income. They are heartless people and I would never advise anyone to get a loan through them.

Company response to consumer: Closed with explanation