BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2023 XXXX managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to Equifax via US Postal mail indicating that all my credit was obtained by identity theft. XXXX white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

XXXX contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted Equifax and advised that the information received by XXXX is false! Instead of stopping this Equifax sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day XXXX also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

XXXX employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop XXXX from doing this to me. 

Equifax confirmed they received two documents from XXXX with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX XXXXXXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

XXXX hires racists who use their job to harass and discriminate against people of XXXX. Their harassment and lies has caused me tremendous pain XXXX  and stress! XXXX XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date XXXX false reports to credit bureaus resulted in me being locked out of my online account with Equifax and Equifax taking adverse action towards me! I am a human being and need XXXX to stop this ongoing harassment and violation of my rights immediately! XXXX also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REF : Lender refuses to Appraise property in order to drop PMI. 

My lender/loan Servicer, Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX United States | Lender XXXX ID : XXXX after numerous requests has refused to Appraise my home in order to drop PMI. 

I purchased my property in XX/XX/2021 for {$210000.00} and the value has since gone up to The currently valued at {$260000.00}. This is more than 20 % Equity. With more than 20 % equity, I requested Freedom Mortgage to cancel PMI by appraising my property to get the current value. 

They have denied my request to do an Appraisal and continue to charge PMI every month. I have made requests both in writing and verbally to no avail. 

I am seeking your help to have this appraisal done so the PMI will be dropped from my monthly mortgage payment. Please contact me at 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 explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: OH
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've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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: Information belongs to someone else

Complaint:
I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX XXXX XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was repossessed, say I still owe {$3700.00}. I have contacted them several times to try and settle this and make payments of some sort. EVERYTIME Ive been told not handled by this department and moved around till disconnected. The one time I wasnt disconnected I was told that a collection agency was handling it and to call them. I call the collection company and they say theyre not handling it anymore and its been sent back to the financial institution. I filed a complaint with XXXX it it still remains and I cant get this debt settled. This is holding my credit score back! I need it gone!

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 2023-11-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX 2023, XX/XX/2023, XX/XX/2023, XXXX IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 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 2022-10-10
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer 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 2022-04-20
Company: Experian Information Solutions Inc.
State: PA
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 the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Well According to the fair credit reporting act 15 usc 1681 section 602 it clearly States to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 
And you have ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Which also grants me the power to charge XXXXXXXX XXXX  per inquiry on my report and any other fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hi XXXX alone wellspoken complaint about and I'll gift card company but then disappeared so I'm just going to make it short My mom bought me a {$500.00} gift card on XX/XX/XXXX ... .actually 3, One for my sister one for me and one for my step brother puddling {$1500.00} plus the XXXX few on each card. Sisters and brother-in-laws cards worked fine, when I tried to use mine it declined it so I called them and they said I had a XXXX balance someone had bought something on XXXX for {$500.00} even ( how is that possible I don't even have an XXXX account ) I open the card in mid XXXX but the transaction for XXXX was on XX/XX/XXXX so they used the cars before I even opened it. I promptly called vanilla and filed a complaint or dispute as they called it they said it would take 45 to 90 days to do in the investigation. So my hard working XXXX-year-old mom gave me this as a gift for XXXX and it is now XXXX when I still haven't been able to use it. The people on the end of them were very rude, and talked over me, and interrupted me, One representative would contradict what the last one said I probably called them 20 times this XXXX wasting over 12 or 13 hours in my life. So FINALLY I got an email saying the investigation was completely and they were sending a replacement card. So I called vanilla to ask them how long it would take the first representative said 30 days I said okay. I called the next day they told me 7 to 10 days. I called the day after that they told me 30 days. I have a XXXX XXXX this is what I'm getting to .... I told them I'm going to use {$500.00} on the card to file a lawsuit against him for XXXX XXXX because it's been very upsetting waiting on hold 45 minutes and then being treated like this. I had more information the first time I text this but I need to go to bed up for work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXt account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The companyXXXX XXXX XXXX failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX 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 XXXXXXXX : XXXX. XXXX, 2022 ;

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 2023-01-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting an account on my consumer reports as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was closed and charged off by the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore the account with XXXX XXXX XXXX should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer 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 explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXX XXXX XXXX About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of XXXX. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.

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 2023-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 response to consumer: Closed with non-monetary relief