BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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 the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX, L ; XXXX, XXXX ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: OR
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:
My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, Equifax and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
Iquiries 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 Please remove it from my credit 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They were holding my paycheck because they said that there was a problem with the issuer. I called my companys payroll and they told me that there was no problem with my check. I asked Wellsfargo for an explanation of why theyre holding my check, but nobody can give me any explantions at all. Like they make me feel like they can just hold my check whenever they feel like it. I was charged more than {$400.00} dollars for overdraft fee because all my automatic payment were withdrawn and they told me they can do nothing to stop it!

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 monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: MN
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:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting Act XXXX Account Inquiries below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below is a list of unauthorized inquiries I have repeatedly disputed with Equifax and they refuse to provide me with verification because there is none. I never submit to these fraudulent inquiries. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A loan recently transferred servicing to SLS and theyre threatening late fees possible foreclosure unless I back pay payments already processed through the previous servicer.

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 2018-04-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank and XXXX XXXX XXXX have determined they will discriminate against law abiding citizens exercising their second amendment rights under the constitution by taking political, non-business-like actions to inhibit citizens rights. As second amendment advocates, we take exception to this marxist, political grandstanding and expect the CFPB to take action against these banks to prevent this political grandstanding. Further, as we work to take action against these banks, and, in turn, expect the CFPB to do the same, we are proceeding to terminate a more than 30-year relationship with Citibank and open accounts with their non-discriminating competitors. Your assistance and actions against this discrimination are essential. We need your help.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$170.00} Opened XX/XX/2017 Repeated attempts to ask for proof of debt and company will not comply. say they will provide the information and they do not follow up. They use terms such as " if and when '' find verification we will send it to you. The law states that they have to provide proof not " if and when ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Per the fair credit reporting act, I am obligated to send a letter to my credit bureaus to dispute any incorrect information before taking any further action, which is what I did. I sent a letter to XXXX, XXXX, and Transunion stating that the information regarding a closed account being reported by XXXX XXXX is incorrect and misleading. XXXX has been reporting past due payments on a *closed account* since XXXX, XXXX. In addition to this XXXX is knowingly reporting false information to my credit bureaus since XXXX XXXX  in spite of having closed the credit card account and selling the balance to a debt collector by the name of XXXX XXXX XXXX. Per the fair credit reporting act, creditors can not report false information and it is unlawful for the aforementioned credit bureaus to allow said creditors to report false information. Per the letters I've sent documenting emails which show XXXX XXXX is in violation of the federal law, XXXX, XXXX, and Transition have decided that it isn't in their best interest to recognize the law and instead want to conspire with the creditor to ensure that the consumer ( me ) gets the short end of the stick. This will be my last and final attempt to reach a fair resolution with the credit bureaus before I pursue further legal action. XXXX XXXX has done a great deal of damage as result of reporting false information which has XXXX me out of getting a business credit card and getting approved for multiple loans. I will not tolerate this any longer.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : 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 2023-12-24
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXXXXXX. we applied for and got a XXXX Exemption. we asked CFPB to lower our escrow payment accordingly -- from about 8000/year to about2800/yearrr, with half paid in the first half of the year XXXX XXXX XXXX XXXX and half paid in the second half XXXX XXXX XXXX. 

They offer all sorts of flimsy reasons, but they have so far refused to acknowledge the change in tax rates properly.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: MI
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  and the other two burus is reporting an old first premier account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted  immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with first premier and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion credit reporting agency allowed a file on my credit report that doesn't even match my social security number. Due to this issue I am not allowed to manage my credit profile.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
They are reporting inaccurate accounts on my credit report. 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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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 disputed this inaccurate information to XXXX, XXXX, and Experian sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first 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 2022-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, TRANSUNION, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!

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