BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not my information.

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 2022-03-16
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: Personal information incorrect

Complaint:
Dear CFPB, I sent dispute letters to Equifax, XXXX and XXXX as my credit report included erroneous information about my date of birth, legal name and current address. I mailed the dispute letters and supporting documentation on XX/XX/XXXX and the reporting agencies should have received the letters by XX/XX/XXXX. Since I did not hear back from the Credit Reporting Agencies after 2 months, I checked annualcreditreports.com on XX/XX/XXXX and I was able to obtain credit reports from XXXX and XXXX which made the corrections requested. 

I was unable to get the credit report from Equifax. I called the Equifax Customer Care phone number and I was not able to move forward with my request as I could not talk to a representative. Then I called Equifax XXXX XXXX XXXX and they requested a new dispute letter ( second dispute letter ) and also a copy of my Social Security Card ( front and back ) and Driver 's License, which I mailed on XX/XX/XXXX. I received a credit report from Equifax with date XX/XX/XXXX, which still contained the wrong date of birth, more specifically year of birth and they used my maiden name for the name on file. 

I have been trying to resolve this issue as I am trying to buy a home and my credit history/report must be available to mortgage loan providers. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a XXXX card open in connection with my XXXX 's XXXX memebership. When I lost my husbands income I was unable to make full payments. They then placed me in collections and refused to take less than total amount due. I was then given papers saying they were going to put a judgement against my house. I was advsied an unsecured debt could not take my home so I did fail to show up to court. I now have a judement against my property and am unable to refinance my home. I want this investigated because I am still being told they are not able to do this. I tried to offer their collection agencie XXXX XXXX XXXX a payment of {$2000.00} to settle. They advised they would remove the judgement but continue to try to collect. I am scared to pay and end up with another judgement against my home. I have no other accounts in default everyone else worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, Texas and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, Texas address found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently work as a XXXX  and am working my way towards the ten years of Public Service Loan Forgiveness. I had been making payments steadily. While I was attending school for my XXXX XXXX XXXX, FedLoan servicing automatically put my loans in deferment. This is normal procedure, but then my payments don't count toward pslf. I requested that they not put my Ioans deferment for future semesters, and they said that they had put it on my account so they wouldn't do that. 

They did it again the next semester, and then again the semester after that. When they removed the deferment, they put my loan in 'paid ahead ' status, even though it wasn't. This caused five of my payments to not count towards the pslf program. They entirely admitted it was their fault and that they would correct their error. 

I submitted a review in XXXX. That review took over a year to complete and they did not correct their errors. I submitted a second review in XXXX of XXXX, upon recommendation from a FedLoan servicing employee. I was told this review would take three months to complete. I called back in three months. I was told it would take another three months. I just received the completed review after almost 2 years of struggling with them, and it still is not counting the payments I made during the time of company 's error. 

FedLoan servicing has said on many occasions this was their error and they would fix it. This makes a difference in thousands of dollars for my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This complaint is with my Discover card account. I had n't used my card in over a year. In XXXX and XXXX, 2016, i had 2 automatic payment deductions from my bank account, as i had auto pay set up. Since i had not used my card, I contacted Discover card and found a fraudulent charge in XXXX 2016 from Intertrade corp for {$100.00}. They closed my account, issued me new cards and stated i am not responsible for the fraudulent charge and subsequent payments. They provided a credit on my new acct. of $ XXXX+ for the XXXX charges against my bank acct. I used the card to bring the balance to almost XXXX. Then Discover keeps putting the {$70.00} charge back on my card. Each time, ( 6 times contacting them about the same issue ) they reverse the charge stating they have no idea why it keeps getting put back on, as the entire transaction was fraudulent to start with.I last spoke with Discover on XXXX/XXXX/2016 about this, on XXXX/XXXX/2016 my balance was again brought to near XXXX. On XXXX/XXXX/2016 the {$70.00} charge was back on my card. I am calling them tomorrow ( XXXX/XXXX/2016 ) for the 7th time regarding this fraud charge. I have no faith in their ability to resolve this matter. I want to have this resolved, so i can close this account without negative repercussions on my credit report. Any help would be greatly appreciated, as i am getting nowhere speaking to their customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: IL
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 account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( Jefferson Capital Systems LLC ) At ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) Has Been Sending Me Collection Notices In The Amount Of ( {$720.00} ). The Collection Has Been Reported As A Pasted Due Balance. I Do Not Know This Company. I Have Never Done Any Business With This Company. This Company Does Not Have A Contract With My Signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
I have a few accounts on my XXXX major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Was not notified of investigation status or results

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had bought a used car from a dealer that arranged finance through " Santander Consumer USA ''. I received my first payment invoice in the mail XXXX day prior to the due date. Upon calling their service number to arrange a payment I was informed that there was a fee nearly of XXXX dollars either by phone or internet. The next month 's statement arrived in a timely manner. The third, ( this month XXXX ) arrived on a Thursday with a due date of Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number : 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number : 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 2016-07-08
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My grandfather 's XXXX insured reverse mortgage seems to be apart of predatory lending and fraudulent mortgage practices. 

After reviewing documents sent from what I thought was a mortgage servicer XXXX, I discovered that the HUD insured reverse mortgage my grandfather took out had multiple loan numbers attached to it and reverse mortgage foreclosure documents that do not match the terms from the recorded deed of trust. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are listed on these documents. Mortgage documents appear to have been merged together and recorded documents are not signed under penalty of perjury ; and are inaccurate ; incomplete ; and unverified. The recording of a Notice of Default and Notice of Trustee 's Sale, in a XXXX initiation of foreclosure took place under this reverse mortgage while : I was under a HUD foreclosure preventative alternative until XXXX XXXX and discovered that this entity was in a forfeited status and was not allowed to do business in the State of California. It was a trustee 's sale foreclosure of a lien not the Property and a foreclosure with no lender. 

In addition, in XXXX, I received documents at my home that I shared with my grandfather that reference a fake living trust and a fake Estate, which were used on documents pertaining to several fraudulent sales, transfers, transactions, and conveyances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I write to complain about an interest charged on my citibank credit card. It was an offline transaction occurred on XX/XX/2020 in XXXX, XXXX, where I purchased several stamps from XXXX  XXXX  ( XXXX XXXX ). The transaction has been categorized as " Cash Advance '' by citibank, and I was levied an interest charge because of that. However, to the best of my knowledge, I did not input any PIN into the POS when I made the purchase. 

I contacted citi via online chat, trying to tell them they have miscategorized the transaction, and politely asked them how I can prevent this from happening again. Yet I was informed that I should not proceed with the transaction when I learned the transaction is a " Cash Advance ''. However, this sounds a little bit ridiculous to me as a customer would never be able to learn whether a transection is a " Cash Advance '' before it has been posted in the customer 's statement. This becomes a Catch-22 from my perspective. Further, this offline transaction did not require me to key in any PIN number at all, which has made me more concerned. Doesn't this indicate that a bank could authorize " Cash Advance '' without a PIN number? If so, how would a customer be able to protect herself from her transaction being miscategorized as " Cash Advance '' and then exposing herself to the high interets and fees levied by the bank in such an ungrounded manner? How could a customer protect her money if a bank could authorize " Cash Advance '' without a PIN? 

Even though the amount involved is marginal, yet the fault in the system reflected in such case, I belive, does warrant more scrutiny and review. I hope CFPB and citibank could look into this case from a systematic perspective, and at least provide customers an option to prevent such " Cash Advance '' without a PIN from happening, so that customers could be immune from such arbitrary fees and charges, and their hard-earned dollars could be preserved in a way as customers wish. 

Thanks.

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 2022-07-11
Company: CORELOGIC INC
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: Reporting company used your report improperly

Complaint:
credco pulled my credit on XXXX trying to obtain a credit application for a mortage this is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Information belongs to someone else

Complaint:
I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, XXXX and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, XXXX  address found on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
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:
To Whomever This May Concern : I am reaching back out because I am going to file suit against Equifax and XXXX. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

Equifax refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

XXXX refuses to remove XXXX XXXX  that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. XXXX  has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I  have sent XXXX  the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through XXXX  and Equifax and both of these bureaus are refusing to cooperate. 

My attorney is giving XXXX  and Equifax until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.

Company response to consumer: Closed with explanation