BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-03-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took out student loans through the XXXX in XXXX roughly to help me pay for my degree. They suggested I take out loans with XXXX who was the number one provider in student loans at the time. I did n't finish school and XXXX started hounding me for money that I owed them. They kept defering my loans as I was unable to make payments. After I finished with XXXX XXXX Application ) they expected me to pay them within two weeks of graduating. I was able to push the due date back to 30 days as I felt it was wrong of them to charge me so soon after graduation. My mom and I worked with them to put me on an income driven plan that had to be renewed every 15 months. Towards the end of my second term of the 15 month plan, I was so fed up with dealing with XXXX who had become Navient, that I wanted to refinance my loans and get them out of their hands. I contacted XXXX who told me they would buy out both my federal loans and my private loans and reduce my payments. They told me not to contact my creditors as this could slow down the process. I did as they asked. In XX/XX/XXXX Navient was able to contact me and verbally threated to use my high balance credit card to bring my account current. I contacted Navient in XXXX telling them to stop the payments as they were being bought out. Needless to say, I received 6 months of delinquent charges from Navient because XXXX did not pay my loans on my behalf as they were supposed to. I got in contact with the Minnesota Attorney General 's office to get a full refund so I could bring my loans current. I received a partial refund, and was able to bring the accounts current in either late XXXX or early XXXX. I asked Navient to remove the delinquent charges, which they stated they could n't. They suggested I write to the credit bureau and ask them to remove the charges. I received a call a week and a half later from Navient saying there was nothing they could do. Every time I 've talked to Navient, they are rude and are unhelpful. All I want is the delinquent charges removed as I was doing what I was told by a 3rd party company, who stole hundreds of dollars from me. I 'm including letters I received from the Attorney General, as well as some of the emails I have sent to XXXX asking for a full rend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
Equifaxdid not do an accurate investigation in providing the factual details to my dispute they lack of maintaining complete and accurate records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. And if they did a thorough investigation they would contacted all parties involved including my ex which I provided his contact info. Not contacting my ex only proves they did improper investigation.Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Not contacting all parties involve shows their Bias and only believing and recognizing what the reporting agency is providing and overlooking facts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: TX
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 items 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Central Portfolio Control Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CENTRAL PORTFOLIO CONT XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This company is attempting to collect on a debt not owed. I broke an apartment lease in 2017 due to uninhabitable living conditions. I provided proof of a broken heater, causing my apartment to be freezing in the winter, a harrassing downstairs neighbour ( XXXX XXXX in XXXX ), a continous gas smell and carbon monoxide alarm, and the property managers would not resolve the issues. I submitted work orders prior to moving out for these issues as well as a clogged drain. I broke my lease and paid the early termination fee, which I have the receipt for. I cleaned the apartment prior to moving out, and am disputing the cleaning charges as the carpet did not need to be replaced, as I spent only a handful of days actually residing in the unit due to the horrible treatment and conditions. My mother and ( XXXX XXXX ) were both in contact with the property management company and were reassured all charges were paid in full after seeking an attorney on the issue. Do we need to seek another one all these years later? All documentation is readily available if so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, Equifax XXXX XXXX being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted Equifax XXXX XXXX via phone on XXXX XXXX and stated this matter, Equifax Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. XXXX Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with Equifax on XX/XX/2022. Equifax stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from Equifax stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was unable to pay my loan due to unemployment and then being XXXX. I am now a XXXX and struggle to pay off my loan with Navient ( XXXX XXXX ) which has ballooned from a {$52.00}, XXXX loan to {$120.00}, XXXX. I do not know how I will pay off this loan in my lifetime and they will not agree to a reasonable settlement. The company has harassed me and did not provide a decent solution until I was almost about to be sent to a creditor or debt collector. 

I am also in debt with the federal government and have been told confusing information about the public loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was initially contacted via telephone on XXXX XXXX XXXX  from a representative from Hunter Warfield stating that they were trying to collect on a debt that I owed from XXXX XXXX which I told them that I had not been contacted by XXXX nor had I received anything in writing from their office. After speaking to several agents via telephone and being told that my asking for clarification on this matter was my refusal to take care of their alleged debt. The only thing that I was told was that I owed {$1300.00} for painting, repairs and trash removal. 

In XX/XX/XXXX I received a letter from Hunter Warfield stating that I owed a balance of {$1300.00} to XXXX XXXX. I sent them a letter dated XXXX XXXX  stating that I disputed the validity of this debt and requested that XXXX and Hunter Warfield send me documentation of all claims for repairs, painting etc. as I occupied the premises in XXXX XXXX  when the area suffered severe tornado damage. 

Hunter Warfield responded and reduced the amount of the alleged debt to {$840.00} per a conversation that I had with XXXX. XXXX XXXX is still charging me for XXXX and XXXX rent and property Admin fees when I no longer occupied the residence. 

I ultimately submitted several more letters with the documentation to Hunter Warfield proving that XXXX XXXX submitted false statements about the damage to the home, utilities that they claimed were unpaid trash that had not been removed. I have not heard Hunter Warfield since my XX/XX/XXXX letter until XX/XX/XXXX via telephone. At this time I learned that they had submitted a collection report on my credit which shows me they have no intention on correcting this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently sent letters over 45 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

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 2020-07-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

addresses not mine 

accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MD
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Back in XXXX XXXX I was able to get a no-rewards credit card for a very low interest rate ( Prime + 2.99 % ). Today, I can find no similiar card that I can apply for. The lowest rate I see now is Prime + 8.00 %. Yet, in an artcle on XXXX/XXXX/XXXX entitled " CFPB Warns of Flaws in Credit Card Market '' CFPB Director XXXX XXXX is reported by the XXXX to have said in prepared remarks before a XXXX conference : " At the same time, we found that credit is now cheaper and more available and the credit card business has remained an attractive, profitable business for banks, with default rates that are now at historic lows, '' XXXX said. " In short, more effective regulation has created a safer, more affordable credit card market with more opportunities available to consumers. Responsible lenders are now able to do business on fair and transparent terms. That is a remarkable achievement. '' XXXX said this concerning the XXXX CARD act and the effects on the card market derived from it. Well, if he is right that the CFPB " found that credit is now cheaper and more available '' then why ca n't I find a card with similiar pricing as the one I ( luckily ) found before the CARD act had been implimented? 

I would like Director XXXX XXXX or the CFBP in general to issue an apology for saying that. It is blatantly untrue, and would like to see a description of the " findings '' that support lower credit card prices. ( Please feel free to forward these " findings '' to my email ). It is both hypocritical and unethical for the CFPB to claim to find instances of deceipt among financial companies yet make such fallacious and demonstratably false statements as the one given in the XXXX XXXX. Card prices have INCREASED since the implimentation of the CARD act, not decreased, and any insinuation to the contrary is deceptive and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. I demand immediate action on your part to rectify this situation. Provide concrete evidence of the alleged charge-off and update the balance to {$0.00}, or alternatively, delete the negative payment status associated with this account. Failure to comply with this demand will not be tolerated. Account : XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2022-11-12
Company: EQUIFAX, INC.
State: IN
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 disputed my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CBC Companies, Inc.
State: NV
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 explanation
Consumer complaint received 2022-12-15
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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