BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Freedom Mortgage Company
State: WI
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:
XX/XX/2021 Freedom Mortgage reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted Freedom mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!

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 2016-12-03
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Our state put a tax lien on our credit report, however the tax issued resolved and they a issued us a Judgment satisfied letter, which we sent to all XXXX credit bureau -- XXXX and XXXX both accepted. However when I contacted Equifax I was told my judgment satisfied letter we sent, was not for my tax lien, I try to explain this to the representative and her supervisor and i asked to speak with their manager which never got on the phone, they would not accept the letter I mailed to them. I tried explaining and asking them to look at the totals on my credit report and the letter sent from the Division of Revenue, i was told they had and they are not the same judgments???????.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Was not notified of investigation status or results

Complaint:
I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX XXXX, XXXX ;  which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: OH
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:
I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my 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 explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX CARD - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.

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 2020-02-06
Company: EQUIFAX, INC.
State: WI
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:
In XXXX XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XXXX  and were fraudulent. I initially contacted the creditors who were XXXX XXXX XXXX XXXX XXXX XXXX   and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my Equifax credit report. I sent multiple letters to Equifax to remove these as they were fraudulent and attached the police report. I then had to call Equifax and advise them to remove. They ended up finally removing on inquiry ( XXXX XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to Equifax and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the XXXX XXXX  inquiry. I have included a rough timeline of events below.

XXXXTwo fraudulent hard inquiries XX/XX/XXXXBoth creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XX/XX/XXXXPolice report filedXX/XX/-Called Equifax and they advised they would remove these XXXXMailed a complaint and police report to Equifax to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to Eqifax where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XX/XX/XXXX-Called Equifax to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
ATTN : XXXX XXXX XXXX of XXXX XXXX, XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX  XXXX, XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2020-08-03
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
e tried to call to get help as my son make XXXX $ an hour and is only part time due to covid. we tried to call to get extra help but kept getting hung up on. I found out a number calling me was them but every time i answered for 3 weeks they hung up. So i stopped answering now they blow up my phone leaving messages everyday but will not answer employee XXXX. if I answer this is harassment. My son has XXXX XXXX and XXXX  and has a hard time understanding the loan so I help him ans Sallie Mae  acts like they can not hear you after you ask for a manager. I said since you can hear me people need to talk when they call my phone that is how help is not of we called they didn't answer oh well that Sallie Mae trying to play games. This is not fair for a young man who is having a hard time. There customer service XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
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: Was not notified of investigation status or results

Complaint:
I submitted a complaint against TransUnion on XX/XX/2021 and I still to this day have not received a response and I am completely outraged! 

1. Unauthorized use of my credit report. 
2. The credit reporting agency took well OVER 60 DAYS to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). I sent my letter on XX/XX/2021, I filed a complaint on XX/XX/2021 with the CFPB, and it is now XX/XX/2021 and still no response from TransUnion or changes to my credit report. 

This company is absolutely according to the FCRA in violation!

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 2021-12-20
Company: Dominion Law Associates, P.L.L.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: LA
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:
The Consumer Reporting Agency Experian is who I am accusing of fraud. Experian is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave Experian written permission tp furnish anything on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion and XXXX Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score 18 points, that took me to a 629. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at 701 with some XXXX collections and once they were remove over a year ago, my score went down as low as 600 and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the 30 point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, 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 2021-09-03
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect information posted to 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 explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal

Company response to consumer: Closed with explanation