BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XXXX. 
This clearly is a continued problem with Equifax purposesly reporting inaccuracies in regards to my credit score and intentionally lowering my score with a lender in retailition for filing several complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My husband and I refinanced our home. We have the same exact debt with the exception of him owing a few XXXX dollars more then me. This is the second time I have had this issue with Equifax. Equifax dropped my score 20 points but only dropped my husband score 5 points for the same exact refinance loan. My husband is a XXXX  male and I'm a XXXX female. Can I have some clarification why, such a drastic difference in the points??? This shows me that this has to be a form of discrimination. Our scores changed on XX/XX/2020 and XX/XX/2020.Please inform me why such a big difference in points?? I work hard at keeping my scores up and I do understand when you make purchases or refinance your score will change but WHY did my score change so much more then his with the same exact refinance? I had this same issue with Equifax before. Our scores with the other bureaus were very close to the same point system but Equifax has some serious issues with people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NC
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:
I have submitted multiple complaints/disputes to XXXX, equifax and XXXX in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Navient Solutions, LLC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have received Notice fr om Municipal Services Bureau rega rding a claimed amount owed for a parking ticket for vehicle that does not belong to me. The earlier debt collector was advised that the ticket did not belong to me and  now Municipal Services Bureau is  attempting to collect {$220.00 } (  Claimed date -    XXXX   XXXX  2016     ) from me for a debt that I do not owe. And, in the Noti ce, Municipal Services Bureau fails  to advise of my full rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX TOYOTA MTR XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had Federally supported freezes set up on all 3 major  credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to call in or log into my Experian account to control Federal freezes. When I try to log in it tells me my log in information is incorrect. When I try to fix the username and/or password the reset emails it says it is sending to my valid email account on record never arrive. I have no problems receiving test emails to that address from other accounts so the problem is on Experian 's end. When I call in, the automated phone system simply dumps me out of the call no matter which avenue I pick to try and get live help. I have tried half a dozen Experian numbers as well including their business support who did answer but said she could not help with a consumer issue and gave me a number that simply sent me through the same automated nightmare and dumped me out. Without either phone or online help I am unable to find and fix problems or file a dispute.

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 2015-05-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NJ
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My federal tax return was garnished for something and i was not aware or told so that maybe i could work something out if i did owe anything

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 2022-07-12
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to paperwork provided by the student loan servicer, I only owed {$100000.00} as of XX/XX/2022. Despite being in the pandemic interest forbearance, the loan servicer now reports that I owe {$110000.00}, I noticed this when I checked my credit report. 

Each of my loans had a discrete amount added to it to total {$3500.00} since XX/XX/2022. This is impossible because all of my loans are subject to the interest forbearance. 

The {$100000.00} amount as of XX/XX/2022 was provided to me via paperwork obtained after a 6 month fight with the loan servicer for complete documentation of the loans. The aidvantage website says I owe {$110000.00} which is incorrect. 

I noticed this discrepancy on my credit report ( obtained via experian ) which reported {$110000.00}. The credit report is incorrect as well, and these are the only student loans associated with my account. 

This is fraud, and I have reached out to the student loan servicer and the US dept of education through FAFSA complaint. I had to call FAFSA because their online complaint system reported an error and would not process the complaint. 

I can't reach anyone on the phone at Aidvantage and their phone system will not report the balance to me through its automated system. I attempted to call numerous times on Friday, XXXX, however, they keep pushing me to their voicemail and I have not received a call back from them. 

I did receive an email that they are looking into this, but considering this is FRAUD, I wanted to report it to the CFPB due to the difficulty I had obtaining the documents originally, and how it is impossible for these loan balances to increase due to the interest forbearance. This is literal fraud, and punitive damages should be considered by the CFPB for predatory practices and Aidvantage should be investigated for any other students they have done this to. 

You can see a full description/explanation in a XXXX video posted here XXXX XXXX XXXX XXXX which I intend to continue advertising and circulating until this FRAUD gets the attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

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 2017-05-29
Company: Navient Solutions, LLC.
State: OH
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 've inquired t o Navient about income contingent payment programs, to which they quote a payment amount th at is still too much. I 've asked if there is any other lower payment amount options, to which they say, " forbearance '' will suspend payments for up to a year, but accrue interest. I have no other option but this, and am getting nowhere in paying this loan down with my current salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have made my payments on time to Seterus Inc since they took over my loan from XXXX XXXX. I closed on the home in XX/XX/XXXX. I have lost my job and now need them to fax me documentation so I can get into a state group with Georgia that helps people behind in their loans. Seterus blocked my access to print out loan documentation online because I am behind on my payments. Hence, I can not print out my tax form or current month 's statement. I have asked since XX/XX/XXXX for paperwork to be faxed to me and they have not completed the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-07-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY 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 2022-03-16
Company: CITIBANK, N.A.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I placed my debt with debt management company for a Citibank debt, and they are still reporting that I owe them. However, refuse to provide debt validation report on all the payments made to the account. I spoke with agent # XXXX to resolve this issue, but she refuse to assist me. I ask to speak with a supervisor and refused helped or a connection to speak with a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Chase Mortgage Lending call center @ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX. 
On XX/XX/2020 Mr XXXX XXXX my mortgage Advisor requested I pay {$500.00} in " Good Faith Funds '' for my file to go to Loan Review. He told me this {$500.00} would be a credit at closing. The property to purchase : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. A condo. 
On XX/XX/XXXX Mr XXXX sentan appraiser to this address. On XX/XX/2020 My sales agent told me this condo was in a fema flood zone and the condo assn. Does not carry flood insurance. Chase does not lend on flood zone property. The only remedy offered me is not having to front {$500.00} on another contract but pay again at closing. I want a {$500.00} refund as I do not want to deal with Chase Mortgage again and I am a XXXX y.o. senior citizen living on SS of $ XXXX  month. I was not truthfully told the purpose of the {$500.00} fee and I do not think an appraisal should have been ordered on a property in a flood zone. Contact info. At Chase : Mr XXXX XXXX Home Lending Manager of Dept @ XXXX. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation