BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: NC
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:
Equifax continually blocks me from obtaining disclosure of my consumer file also known as " file disclosure ''. XXXX XXXX 2017, I discovered Equifax was blocking me from purchasing my consumer disclosure file. XXXX, Equifax repeatedly declined my requests for my file disclosure when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly on XXXX, the numeric portion of my current address was changed without my request. Alarmingly, on XXXX, I had not yet mailed my one and only dispute received by Equifax on XXXX XXXX 2017 via certified mail # XXXX XXXX XXXX XXXX XXXX. <P/><P/>Evidently, someone other than me, made an unauthorized dispute in my consumer file prior to XXXX XXXX 2017 and I never received results of the alleged completed investigation from Equifax. I suspect I am a victim of fraud. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file serves to further expose me to fraud/identity theft and harm. <P/><P/>Further to my dispute of addresses received by Equifax via certified mail # XXXX XXXX XXXX XXXX XXXX , I received Equifax file dated XXXX containing results of reinvestigation. However, Equifax did not provide me a consumer report, which is a clear violation of the FCRA. <P/><P/>On XXXX XXXX 2017 and XXXX XXXX 2017 I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money orders # XXXX and # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure or response. <P/>On XXXX XXXX 2017, I opened a case # XXXX against Equifax with Better Business Bureau ( BBB ) to complain about Equifax failure or refusal to provide me my requested consumer file disclosure. I never received the requested file disclosure or response from Equifax. <P/><P/>Subsequently, I learned that my money orders # XXXX and # XXXX were cashed. However, I dont yet know who cashed the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay mortgage monthly including escrow for property taxes but have received multiple notices from our township that property taxes have not been paid since XX/XX/2019. I have called bayview loan servicing multiple times over the past few months but they have not yet paid taxes on this property nor resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: CommonBond, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
THE XXXX XXXX LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer with Wells Fargo Bank. Recently money was withdrawn on a couple of occasions without my permission or consent to pay for a timeshare account that was never used by me nor anyone connected to me because of unfair policies pertaining to the fees of the said timeshare. I tried cancelling the said timeshare account several times because of these fees that were never mentioned at the initiation. My account was debited to pay for the timeshare fees without my knowledge or consent several times. I tried correcting this with Wells Fargo bank with no avail. I would appreciate it if you can look into this matter for me. I was left with no funds in my account and as such I could not take care of the basic necessities of my day to day life. 
Thanks in advance,

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 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 2022-07-05
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am the XXXX XXXX XXXX for my XXXX mother. She wants to close her Discover card ; however, when I've contacted them, they have told us that the account can't be closed because there is a credit balance of {$230.00} on the account. We have contacted them repeatedly over several months, and though they claim they will send a check, they do not/have not. When we contact them about this, they tell us the same thing again -- that we can't close the account because there is a credit balance, yet they will not send the money. We believe this is a puposful attempt to hold her money so they can collect interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to reach out to the credit reporting agencies to fix the problems but they did not.

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 2022-02-23
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my Experian consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. 
Things such as addresses, inquires, incorrect SSN attributes to my finds.

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 2016-10-11
Company: RUOFF MORTGAGE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During a Chapter XXXX XXXX Mortgage company reported me late repeatedly when I paid the Chapter XXXX Trustee every month on time. I am now trying to refinance my loan because Ruoff has raised my monthly payments that we agreed at the time of signing from {$700.00} to second year to {$760.00} and now they have raised my payments to {$820.00}. This loan needs to be looked at as to why they will not remove the late payments and why they say I owe them so much money when I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE 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 non-monetary relief
Consumer complaint received 2017-03-06
Company: Affiliated Management Services
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have a knowledge of owing any debts. I was not called or mailed a letter to verify any amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me. 
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.

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 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchase a property in XXXX and the Title company has sent the wrong bank routing number to Fay Serving. 

How they have charged me almost {$330.00} in late fees and this will impact my credit score with the beareas. 

Can you please ask them to fix this mistake and remove late fees. 

Dear XXXX, I appreciate your assistance on this matter. 

Please note the routing number on the form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in Asset Management and please let me know how this can be done. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am unable to make a payment on my Wayfair/ Comenity Bank Credit card. Comenity closed my account about 3 years ago and I have no idea why. I have been making on time payments ever since. I have never missed a payment or been late. On one recorded line, a message gives me my balance and credit limit and states what my payment amount is, but then the phone is disconnected and I am unable to make a payment. On another recorded message, it says my account is closed and I will have to speak with a customer service agent. However their offices are closed. Their phone lines are down, their online customer support is down. I cant send a payment by mail, because a recorded message said there are no employees to receive the payments. I have spent hours of time trying to reach someone so that I can make a payment on my account.

Company response to consumer: Closed with explanation