BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I attempted to temporarily lift a security freeze placed on my Equifax credit account in order to apply for a credit card. As I had done in the past, I began with the online process which before only took a few minutes and a {$3.00} fee. The initial placement of the freeze 13 years ago, however, required sending Equifax a photo ID by mail. To my dismay, despite having a unique pin number assigned by Equifax, I was unable to get into my account to lift the security freeze. I had a User ID and Password from the past but Equifax has changed the User ID to an email address, which mine did not include. To make matters worse, as in the past, to verify my identity Equifax required answers to 5 questions about my credit report - one going as far back as 26 years ago, another 8 years ago and so on. A single wrong answer and my identity could not be verified. Equifax could have easily asked questions about my current mortgage payment or a current credit card but it chose not to do so apparently to deliberately make it more likely that other information would have to be submitted - such as photo ID - to prove identity. I attempted to call the telephone number provided and waited 1 hour and 15 minutes but no one ever picked up the phone. The website had offered to send me a verification code by mail but warned that this could take 3 to 5 business days or longer. In desperation, I called an Equifax number and pressed 4 to connect to a " product  services specialist '' or salesperson. This person was very helpful, spoke with a foreign accent, asked me a few questions to verify my identity and lifted the freeze. She was however, unable to help me with the login problem on the website which she said is handled by local representatives who were available at the phone number, where it turns out, no one answers. I would like to add that although the other 2 credit bureaus had also changed their security freeze procedures somewhat, having those freezes lifted was a breeze. One even allows you to lift a freeze online for a relative who might be elderly or XXXX. I am still unable to access the website to lift a security freeze either for myself or my husband who is elderly. Equifax has always been problematic. And it is now using the Coronavirus as an excuse to provide even less service than before. It seems that if the company can not make money from a service they do not provide it. This company needs to be regulated and there are more problems with it than just the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AES/PHEAA
State: CA
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 am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is not mine and they did n't give me any information about when, where, why this was filed on Transunion 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 2021-07-27
Company: Experian Information Solutions Inc.
State: MO
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 submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( Experian, XXXX  and XXXX  ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, 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 2016-01-08
Company: POPULAR BANK
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After my loan was paid in full. XXXX additional automatic bill payments were made to the servicing company. I 've requested they send those payments back to me, but I was told they have no record of the payments. I faxed them proof of the checks being cashed by my bank, and they said their research department never received them. I asked if I could email them the copies, and they said no. I would be required to fax in my request. It 's been more than 2 months and I still have not received my payments refunded to me. I know the servicer has a fiduciary responsibility to apply payments, or refund over payments in a timely manner. I also experienced the same kind of issues when requesting the payoff amount in the first place. They will only accept payoff requests via fax, and there appears to be very little accountability for employees to ensure they are received and worked on in a timely manner. Before finally receiving my payoff quote, it was almost a month in time from the initial request. I do n't want other customers to have to experience this kind of servicing. Ultimately the consumers are hurt by a lack of care on the part of these type of servicers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )

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 2021-07-27
Company: EQUIFAX, INC.
State: OH
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 started disputing a discount card that my ex-husband has signed and I was a co-signer since XXXX. Equifax had asked me to provide the application of " XXXX XXXX that my Ex- husband has signed, my divorce decree. I sent these item to them on XX/XX/XXXX. I did not receive a feedback from them. I spoke to someone on XX/XX/XXXX at XXXX XXXX I asked for an update, He told me they removed the disputed credit off their systems. ( XXXX & XXXX  had already did the same. ) The agent told me I have no item in collection with Equifax. 

Few days later I checked my Equifax credit, I saw the collection in the report. I called Equifax again on XXXX XXXX at XXXXXXXX XXXX, agent told me the item in collection is still active. I am somewhat discouraged because I feel I m going nowhere because of these Mix messages from different services representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed in my XXXX XXXX that my XXXX XXXX dropped significantly. I found out that there was a collection on my report over $ XXXX from XXXX XXXX XXXX Louisiana, a XXXX XXXX office that I visited about a year ago. I never received a bill from the XXXX XXXX office and I never received a collection letter. From my XXXX account I learnt, that the collection agency in question is : DELINQUENT RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX I spoke to XXXX XXXX XXXX XXXX XXXX XXXXf Louisiana, a woman named XXXX XXXX, who admitted that they sent my medical bill 4 times to an old address from about XXXX  years ago and the letters never came back, so they were under the impression that I received the letters and did not respond. Then they sent the bill to collections. The XXXX office had my correct current address but medical billing did not update it. 
I filed a dispute with XXXX and the dispute returned the result that the collection was justified, which is clearly not the case. 
Could you please investigate, because I have the confession of a XXXX XXXX person that the mistake was on their end and the collection was not justified. 
Thank you very much. 
Best regards, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: AES/PHEAA
State: IN
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 recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just clicked on a " gap '' credit card thru XXXX Bank service to see my XXXX score. Beginning of the year was low XXXX, there was an issue with a less than $ XXXX dollars XXXX balance on a XXXX when they switched cards or updated them. They Without my Consent Stopped sending Hard Copy Mail Statements. I did remember I had purchased a bed comforter on their XXXX Sale I think it was and XXXX day while checking my payments thought about it checked on line and Everything had changed. It was a very time consuming ordeal. They had also without my consent change everything to Spanish which I Do n't Mind but I had also NOT authorized nor requested that change. Anyhow I called and paid it. I cant remember if they waived the late fee or not. I do know I requested but cant remember exactly if I got it waived or not. I think they did just so you know that after a time consuming XXXX calls later they saw the mistake. Anyhow they promised they would take that late payment OUT of my credit report. It looks like they Did Not as I still showing a XXXX and I have NOT been late and this report I just clicked on reads my score was impacted because I have a late payment. Please Help XXXX this. Thanks very much for any time and input you put to clarify this for me. I work so very very hard. I know you probably hear this a zillion times but I truly do and I do n't have much and I hope I can have at least an Excellent Credit score. Let me know what documents you would need. I think it was when XXXX card went from XXXX to XXXX but I know XXXX did the same and maybe I am just confusing them?

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX  XXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago

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 2015-09-04
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It started with greentree servicing I would send my house payment a few days early for instance I would send Aprils payment the end of XXXX payments were due on the XXXX I started getting phone calls from greentree saying my XXXX payment was late I told them no that is my XXXX payment early I told them to double check their records they agreed with me then several months later the same thing over again only this time they would n't back down when I told them it was a payment early not late my husband and I got l laid off in 2007 I admit we were late on some payments but always got caught up sending extra money if we were 2 weeks late here would come the letter of default they would say we did n't make such and such onth payment when I have documentation that they received it it might have Been late I have documents saying what was due and what they received they always got more money then was due but we always owed more I have documents saying on XXXX paper the original note was {$85000.00} and other papers saying the amount of note was {$83000.00} they say our house payment was XXXX it {$670.00} I was hung up on when asked about their additional charges on every stub totalling XXXX dollars I was constantly getting harassed by their phone calls I owed {$120.00} on Decembers payment I could n't make XXXX payment XXXX XXXX I got the foreclosure papers in the mail they did n't wait to see if they were going to get XXXX payment I called them right away and told them I would send them all the money that I owed them that day which was {$1400.00} but it went up to {$4000.00} I told XXXX I did n't have that much just what I owed she said '' well when can you move? '' I believe my home should not have been foreclosed on they wanted us out of their we filed chapterXXXX bankruptcy to try and save our home but the bankruptcy payments kept going up so we could n't afford it anymore so it was dismissed and greentree was right there we also paid a place over a {$1000.00} called consumer advocate to try and mediate with gt and do a forensic scan of all the paperwork they are no longer in business I think that might have been a scam. There were so many different amounts juggled around with gt I could n't keep track of it all I lost a lot of paper 's moving around so much after I lost my home I will attach these documents I apologize about the condition there in

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: LEXISNEXIS
State: TX
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:
Needing to understand what information the service had after denying my historical pristine credit ( they have a XXXX score for me that I have never even been close to in my life ), I requested a report. There process is designed to prevent you from ever seeing the data. After ordering the report - which must be sent by mail - the mailed password provided to access my credit report - get this : On-line - was not valid or active. Attempts to reach the agency to determine why they sent an invalid pin are virtually impossible. The wait times are horrendous and they never answer your call, or disconnect you while you are in queue waiting. Its all designed with one intent - to make you give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: PA
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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

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 2016-08-01
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.

Company response to consumer: Closed with explanation