BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Bread Financial Holdings, Inc.
State: FL
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 was notified by the credit two different credit bureaus that my account had been closed, this was done without any notice or warning. Upon following up with Comenity Bank, I was told my card had not been used in six months and I was sent a letter on XX/XX/2022 that I still have not received .The representative stated the card COULD NOT be reopened. I am beginning to wonder if this is XXXX, I had an account closed by this same bank due to not using it, However, we were and still are in a pandemic. I think it should be fair practice you let the consumer know what's being done 30 days in advance. They don't know my financial situation just because the balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Filed a dispute with Transunion on XX/XX/2020 for incorrect balances on my credit cards. They still had old information from XXXX. They completed my dispute on XX/XX/2020 and did not correct two of my accounts. On two of my credit cards they stated no change. They put back the old XXXX balances. I filed a second dispute on XX/XX/2020 and they are telling me I have to wait until XX/XX/2020 for them to complete my dispute. This is not acceptable. I spoke to three Supervisors on the telephone requesting assistance. I have gotten no resolution. I contact my credit card companies in XXXX to request they update my information. On XX/XX/XXXX my credit balances were correct XXXX   balances. On XX/XX/XXXX after my first dispute was done my old XXXX balances were back on two of my credit cards. In XX/XX/2020 I paid in full all twenty of my CC leaving XXXX  balances. My credit score fell 35 points due to Transunion reporting incorrect balance on my XXXX CC {$3000.00} reported on XX/XX/2020 and XXXX CC {$1300.00} XX/XX/2020. I tried to attach documents on their website and was not able to. I spoke to a Supervisor on XX/XX/XXXX promised to call my two CC companies and call me back. As of today I have not heard back from that Supervisor. I want to refinance my home and take advantage of the low interest rates and I tried to boost my credit score by paying off all my debts in full. Due to Transunion incorrect reporting my score fell by 35 points. Now I have to hold off on refinancing due to Transunion inaccuracies.

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 2015-08-25
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
All of the above. They were previously required to not contact me by phone. They have contacted people we know, employers, landlords even before initiating contact with us. They ask questions of minor children, talk to whomever answers our phone and ask for work phone numbers. Tell people it is debt collection and threatened me personally with regard to " digging into my personal background and history no matter what length ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX and Equifax is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. Equifax was not giving me credit for my mortgage XXXX that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX these credit bureaus are out of hand with this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Bank of America is continually reporting inaccurate information to the 3 credit bureaus without providing sufficient information and validation of the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Charge off for Student loans. For school I didnt attend. XXXX on Nebraska and I only attended XXXX state was told I went to foreberance but my loans show regression on my score major

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with Equifax on XX/XX/XXXX as of today XX/XX/XXXX I have not received an answer at all. The USPS return receipt says they got the letter, According to FCRA they must remove the item on dispute because it went over the 30 days. Attach to my dispute Im providing you with the letter I sent them also Attach to this dispute a copy of my ID and SS card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I have contacted TD Auto Finance regarding extended hardship program due to Covid 19 and I was granted 2 months of extended payments for the month of XXXX andXX/XX/XXXX. On, XX/XX/2020 I've contacted TD Auto Finance spoken with an agent and explained that I am still experiencing hardship and I am requesting more time to make payments. The agent granted and approved 2 additional more months payment extension due to hardship for the months of XXXX and XXXX. I had specifically asked the representative was I approved and she replied " yes ''! Representative informed me the next payment will be due in XX/XX/XXXX. However, in the first week of XX/XX/XXXX I began to received phone calls from TD Auto Finance stating my payments are late and have been assessed late charges. After several attempts of calling TD Finance and spoken with an agents I was informed the agent that granted me the two additional extension for the month of XXXX and XXXX was done in an error. According to the agents, the company are only allowed to grant only 3 months extension in total. On XX/XX/2020 I have spoken with a supervisor ( XXXX ) at TD Auto Finance, she informed me that the company only grants 3 months for hardship and it was created in an error. Supervisor stated she was able to approved hardship extension for XXXX and XXXX payment must be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.

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 2020-06-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been trying for weeks to lower the credit limit on my HELOC. I want to lower it to {$42000.00}, as I have been trying to refinance my first loan, and lowering my credit limit is a requirement for a subordination agreement by my HELOC lender US Bank. 

Weeks ago I called and was told a form would be emailed to me in a few days. Nothing ever arrived. 

The next time I called I was told it would be lowered internally in 3 days. I waited weeks, but nothing ever happened. 

I then went to my branch and was told I had to call US Bank to get help lowering my credit limit, they could not help me at the branch. 

Recently, I was told again that it would be lowered internally if I waited a week. I waited more than a week, nothing has happened. 

I have been trying for over a month to get my credit limit lowered. It should not take weeks and weeks to lower a credit limit on this credit line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: FL
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:
You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.

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 2020-06-18
Company: EQUIFAX, INC.
State: NY
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 did not provide access to their services online at myequifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
SO THIS IS A GREAT XXXX, THE ISSUE IS I NEVER KNEW ABOUT THIS DEBT WAS SENT NO INFORMATION JSUT SHOWED UP ON MY CREDIT REPORT, I AM ASKING THAT THIS BILL BE SENT TO THE VETERANS AFFAIRS OFFICE AS I AM A VETERAN AND THE COVER ALL PRIVATE MEDICAL BILLS. THAT THEY REMOVE THIS AND ALL LATE REMARKS FROM MY CREDIT REPORT, AS THEY REPORT EACH MONTH I AM LATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Equitable Acceptance Corp
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to resolve this debt collection for about a year now. Finally someone picked up the phone today and I let them know that I wanted to settle my account but they said they had to transfer me. As soon as they transferred me, the next person gave me a number to call that is disconnected. There are many things I would like to do that I cant because of this being on my credit but they arent giving me a way to settle it or make a payment. I tried calling back the original number and now no one will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: SLM CORPORATION
State: NY
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 am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation