BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: FL
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:
I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I respectfully seek the assistance of the CFPB in resolving the matter concerning the two remaining fraudulent inquiries. Previously, I had written to the XXXX and TransUnion Credit Bureaus to request the removal of these inquiries due to their fraudulent nature. This submission serves as a subsequent follow-up to that initial complaint. I am optimistic that during the upcoming update of my credit reports, the XXXX and TransUnion Credit Bureaus will ultimately eliminate the two specific inquiries I've outlined below. Kindly review the following inquiries that require urgent attention for removal : XXXX : XXXX XX/XX/XXXXXXXX  TRANSUNION : XXXX XXXX XX/XX/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 2023-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Oklahoma Student Loan Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
OSLA keeps emailing me while loans are in deferment and I am in school. Has no option to end communications

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: IL
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:
The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I have contacted XXXX, Transunion, & XXXX notifying them all also showing proof of Identity Theft & showing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.

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 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
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:
In reviewing my credit file i noticed some inquiries that i did not authorize for the following XXXX inquiry XXXX XXXX, XXXX XXXX inquiry XX/XX/2020 and XXXX XXXXXXXX XXXX inquiry XX/XX/2020.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate of verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. In addition, you sent an investigative report dated XX/XX/2021 which I do not believe you conducted any interviews with family, friends or associates of mines that may have any knowledge concerning my consumer credit transactions. However, to my understanding you contacted creditors and to my knowledge I believe that the investigative report should not include this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
2nd complaint - the first response was addressed to someone other than myself - I don't live at or have any knowledge of the address listed on response ( XXXX XXXX, XXXX XXXX, CA ). I did not apply for a refinance, our loan did not process in 2020, nor did I apply with a 3rd person. This response does not belong to me. 

My rate was locked 8 days after updated credit report was generated and discount points increased the day after rate lock with no new information or valid change known at least 3 business days prior. Per the CFPB TILA-REPSA disclosure rule, the lender " may not issue revisions to Loan Estimates because they later discover technical errors, miscalculations, or underestimations of charges. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX transferred ownership of my Home Equity Loan to XXXX XXXX XXXX  ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to XXXX, XXXX, and Transunion. XXXX  made these reports and knew that their records were incorrect. XXXX claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with XXXX without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX  has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.

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 2021-09-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Re : Request for Reasonable Accommodation I have two credit cards with Citibank. 

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that Citibank remove an account in my name from collections and eliminate the balance and remove all credit bureau negative reporting. 

I have documentation regarding my 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 2022-01-03
Company: SUN LOAN COMPANY INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Sun loan In regards to the installment account opened in 2015, it has been brought to my attention that you claim that I owe {$130.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$130.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$8600.00}.

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 2023-08-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was contacted by Law Offices of Mitchell Bluhm on or around XX/XX/2023 about a debt that I supposedly owed XXXX Physician 's group. I asked they send me a letter to verify this debt was mine. They said I would receive it within a month, I did not receive any documents from them. Offered to pay debt in full if they could tell me the physicians name, they refused and claimed they did not have the information. 
Contacted again, XX/XX/2023 ( today ), I told them that I called XXXX and they said I did not have any debts to their organization and I would not speak with them and they would have to contact my lawyer. There is a chance it it just taking them a longer time to verify, but they are not being cooperative and at this point it seems highly likely like a refusal to verify the debt in a timely manner. 

Collection Agent : Law Offices of Mitchell D Bluhm & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief