BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 person is shown by XXXX XXXX as opening a Credit Card in my name, and i cant get the Company to take it off of my Credit Reports and mark it as fraud, I proved to XXXX it wasn't me that opened that account up, It is to XXXX XXXX for {$700.00} and i have not or have any interest in XXXX, I called them and told them i did not open this account # XXXX, XXXX XXXX brought it to my attention i called the Company at phone # XXXX talked to a lady that said her name is XXXX, and that i did not open this acct, you all allowed someone to open it using my name, this is how i got the ladies name i mentioned below in this complaint to them they asked do you know her? I said no i do not!, XXXX XXXX is their name that opened this in my name, ,I said i wont this off of my Credit XXXX and close this out, and take it off of my Credit Reports they say it is closed, but it is not taken off yet, i did this when i saw it on my credit report in XXXX, still nothing done as of today, please help me get this fraud off of my Records, Below is the Woman or person that Fraudulently opened this Fingerhut Account on me,, [ Additional info found with this breach Identity Information First Name : XXXX Last Name : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Contact Information Address : 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 2021-06-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-07-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co signed for a loan for my wife at the time. When we got divorced, she filed the paperwork to release me from the loan, and Navient told me I was no longer on the loan. 7 years later, I find out I still am. My now ex wife has now continued to try and release me from the loan, but Navient is now saying that it's not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello I believe that I ' m owed a total of {$15.00} to my wal greens credit card which is issued via synchrony bank.

I did have all an offer added to my wal greens card card to get {$5.00} back per recurring monthly bill payments charges.The promo is good up to {$50.00} total by end of XXXX  year.I 've only be awarded a total of XXXX so far out of the XXXX {$5.00} earned on XX/XX/XXXX ( Which went to my XXXX XXXX  Payment on XX/XX/XXXX ) ( About 35 days to process ) {$5.00} on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( 12 Days to process ) Which would leave XXXX more dollars I can earn with 8 payments for {$5.00} per re accruing payment for the rest of XXXX that I could earn. 

I have 3 payments they won't send the {$5.00} credit per transaction I made an auto payment for my phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) I made an auto payment for internet/ cable service XXXX that did clear on XX/XX/XXXX. For {$49.00} I made an auto payment for my Phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) However I still don't have the credits added to my account ( $! XXXX ). I do have some screenshots of proof of auto payments if needed along with screenshots of the Walgreens card offer itself.

The Walgreens offer was added to my card was suppose to be good on these re curing payments from XX/XX/XXXX until XX/XX/XXXX. 

I did try to Contact synchrony Bank via Chat on Tuesday XX/XX/XXXX. Spent about a half hour taking with them to get no answer just told me to " call Walgreens customer service " which makes no sense as the credit card, payments and offers are all with synchrony and NOT Walgreens. Please help me get my $! XXXX earned. 
Tried again to speak with a " manager '' On Thursday XX/XX/XXXX ( XXXX XXXX. Employee number XXXX ) he did nothing to help either. Didn't want to hear my issue, and wouldn't provide contact info for consumer affairs department for me to handle on my own. 
Leaves me no choice but to file this complaint If they don't want to pay the money they are advertising they should stop fir this misleading and false program. 
Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: CA
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 went online to the Annual Credit Report website today, XX/XX/XXXX, check at least one of my credit reports. I attempted to access Experian, but there was a computer error so I went directly to the website. I noticed inaccurate personal information that I wanted to dispute along with hard inquiries that I did not recognize. I attempted to file the disputes online but the site information stated that I would have to dispute the information over the phone. During that time, ads popped up to check for preapproval of credit cards. I did what I thought was a pre approval then immediately after I received a hard inquiry alert for TWO credit cards. It turns out the information I completed was an actual application, despite what it says on Experian 's website. I contacted the credit card company, XXXX XXXX ( not XXXX XXXX ), to verify the information and have any applications and pending information cancelled. Experian is very misleading. Hard inquiries were performed without my knowledge. I also never received any follow-up information from the " pre approval '' credit card company. Hours later I received two additional notifications from two different companies ( XXXX XXXX and XXXX ) about my " inquiry from Experian. '' I did not authorize or complete any information to allow those companies to access my 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 2023-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I first refinanced my loan in XX/XX/XXXX with XXXX Mortgage. First I am the creditor. All funds are from XXXX account. I presented to you in a file the loan inception MERS has had my loan as inactive. From that point my loan has been sold and passed to several mortgage companies without my consent and without a contract and sometimes without notice. 
in XXXX I requested New Rez by sending paperwork and a notice terminate my loan to the CFO. I got no response or rebuttal. I recently sent the papers as usual no response. I have no contact. My loan is being assigned from lender to lender without a contract. No contract no means they can not sell my loan at will. I am the original creditor. New Rez, Shellpoint, XXXX, XXXX and XXXX  XXXX XXXX have no authority to sell my loan on the open market. 
This is alleged conspiracy to commit mortgaged crimes has been and is being carried out for more than 10 years. Neither has a right to do sell between either as I am the creditor. Neither has any paperwork for my mortgage. The sad thing is New Rez is preparing to sell it again between their newly formed company, formed by Shellpoint. This is fraud. I have filed with the IRS to cancel the loan. If I can not get remedy I will file with the Inspector General to see that this matter is stopped. 
Furthermore I continue to keep a fraudulent loan current under the threat of foreclosure. I have suffered and been injured by these mortgage companies through phone threats, I have had hardships with my family and filed bankruptcy because of this coercion put on me and my family. During which I have lost two son 's and the pressure of the loan has been injurious to my family. No response from them only pay or lose you home. My home is paid for from the time of inception. My credit report had suffered also. No contract no loan. You have my legal paperwork. I command all the money for the loan back and my monthly payment for more than 10 years back and the loan closed. 

XXXX XXXX XXXX XXXX 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 2022-12-06
Company: EQUIFAX, 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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Aidvantage on XX/XX/XXXX asking for a refund on all loan payments made from XX/XX/XXXX until that day. 

I was told that my refund would be processed immediately - I should see my new balance in my account within 2-3 weeks and could expect the refunded amount to be deposited to my checking account shortly thereafter. 

The approximate time given had passed and the refund had yet to be processed. So on XX/XX/XXXX I called customer service back asking for an update on my requested refund. That day, I was told that my loan request had been submitted on XX/XX/XXXX and was still waiting to be processed. I was given a new adjusted timetable of 4-6 weeks time to allow for processing. 

The 6 weeks has since past and no movement on my refund. So today, XX/XX/XXXX, I called Aidvantage once again asking for another update on my refund. I was told that my refund was still waiting to be processed and that I should expect processing to occur within 6-8 weeks. I asked the representative for the date in which my refund was approved and they stated XX/XX/XXXX. 

I have been told differing information each time I have called Aidvantage and have never received a confirmation number or email with confirmation - even though I have requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: SC
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 am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with TransUnion. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting XXXX percent accurate. I see so many errors which is a FCRA violation JPMCB Card Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section XXXX Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove 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