BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The 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 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 2019-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm having a problem with Equifax Credit Bureau. I tried setting up an account at XXXX   But everytime I try logging in it gives me an error message to call. Which I will attach. I called Equifax to dispute a transaction and to ask about XXXX. The representative said she wasn't able to help me with the online account but was able to file the dispute. She never transferred me to anyone that could help with the online account. I called back to remove the fraud alert with no problem all info was successfully verified. That was about 3 weeks ago. But for 2 weeks I've bern trying to contact Equifax so I can get access to my online account. I put in all my personal info and then automated system says I cant speak with anyone. I've also tried ordering a credit report and Equifax sent me a letter stating they couldn't provide me with a report because I have no credit file. I need access to my info and status on disputes that I have filed. This should not be happening. All info I've entered is correct. I've even verified all info thru my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Yes around XX/XX/2023 I found some accounts on my credit files that I didn't open or authorize anyone to open these accounts .fraudulent accounts I contacted the company 's couldn't get information cause I don't have account information. Reported to all credit bureau. They did nothing just updated accounts as they were mine they are not accounts that I opened I want them remove immediately..I filed identity theft Affidavit sent in to all credit bureaus along with identification and credit reports showing fraudulent accounts they have not done anything to block or remove these accounts I want them removed

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 2022-11-10
Company: EQUIFAX, 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:
I requested a {$53.00} XXXX XXXX be removed from my XXXX, Equifax and XXXX reports. XXXX and XXXX removed the collection however, Equifax 's investigation resulted in the collection remaining on my Equifax report. XXXX XXXX are suppose to fall off under {$500.00} starting in XX/XX/2022. Will you assist with having this removed? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I received an email from The Department of Education advising that my student loans were approved to be forgiven under Exhibit C of The Sweet vs Cardona Settlement that was finalized in XX/XX/2023. On XX/XX/2023 I contacted Navient to follow up on this matter as I have not received notices or updates from them. I spoke with a supervisor by the name of XXXX, Employee ID : XXXX who advised she knew nothing about the settlement and that they had not received any information. I uploaded the letter to my outbox portal while on the phone and allowed her to review it and she acted as if she didn't know this information and provided no assistance. I then followed up with The Department of Education the same day and advised them of the information Navient provided. I was advised that the email that I was received was correct and I should see things finalized in the next couple of months. Today I followed up with The Department of Education and requested a supervisor as I was not offered much assistance and given the runaround as usual. I spoke with XXXX a supervisor in length and shared with her the difficulties that I have been experiencing. The US Department of Education/Navient is Not Discharging Loans Under Sweet vs Cardona Settlement as the email advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As evidenced by the enclosed reporting to the IRS - 1099A - Select Portfolio Servicing stole {$31000.00} in insurance proceeds due me, as the beneficiary, for work I completed to the house PRIOR to them foreclosing on the " property ''. *PROPERTY being the contracts and security futures - separate and distinct from the real property they simply stole ( or believe I gifted to them ). 

Nonetheless, if SPS is able to refute the claim put into the IRS for the {$31000.00} please do so. Otherwise, I wish for the funds to be returned to me within 14 business days time. 

Thank you. 

A formal demand letter has been sent to SPS attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and the XXXX XXXX XXXX  to audit the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Person threatened me, if I didnt pay the bill. I never received anything from this company, and not my account. I hung up they called me back 4 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I are XXXX years old. We have only Social Security for our income and were blessed the be able to find the financing for a new home through the VA at our age. Last XXXX we were offered the opportunity to refinance with Loan Depot.com and reduce our monthly payments. Obviously, we were elated. We managed to buy down our interest rate to 2.75 % at a cost of approximately $ XXXXThis rate dropped within a week of our signing. Our previous loan payment was {$1000.00} and the paperwork on our new loan reflected payments of {$800.00}. 
Unfortunately, our previous loan reflected the actual taxes ( {$1200.00} ) and insurance ( {$690.00} ) with escrow payments of {$150.00}. Our refinanced loan of {$800.00} reflects a total of a {$80.00} contribution to our monthly escrow payments. When we became aware of the discrepancy my wife phoned Loan depot.com and was told we would be responsible for the difference to cover the taxes. 
We have contested out loan since XX/XX/XXXX and have been forced to go through Consumer Protection in order to contact you. The difference in the escrow and payouts will come to approximately {$940.00} the amount credited to our loan amount. 
Due to the delay in the closing of our loan until XX/XX/XXXX you destroyed our credit it dropped by 100 points. You then claimed that you paid the taxes on our property in XXXX and when it was discovered that it was a duplicate payment, you chose to credit those funds to our loan balance. 
When we contacted you, you said the amount reimbursed to our loan could not be held in escrow because it would then have to be returned to us ( which was impossible due to the IRRRL ). As far as I can tell, the escrow shortages will have to be paid at the end of the year. Needless to say, we do not have {$1000.00} available to us and we now have poor credit due to your closing company. We are reaching out to you to work with us to settle this issue. 
An apology for any inconvenience caused us just doesnt cut it. We have not forgotten that according to our contract with Loan depot.com ( and insured by the VA ), it was broken when you failed to pay off XXXX XXXX  within 5 days of closing according to the contract. We are also contesting that we were offered a payment that you miscalculated on all our official documents and signed by us at closing, and that now you plan to raise our payments by over {$100.00} a month above the amounts verified and approved by the VA. We have yet to receive confirmation on the increase which we ask for in writing. We are contacting you through Consumer Protection so we will have a record of your answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: VA
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:
They did not Verify any of the inquiries Information to see if they were correct in listing them on my credit report I asked them for verification ie Written Contracts or verifiable documents I was give none and told that the do not Dispute inquiries that I would have to go to the companys to do so and that is not the law they have to dispute and tell you how it was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, Equifax and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a savings and checking account with Citizens Bank that had a promotional bonus of {$600.00}, which they have not paid me, even though I have met the terms of the promotion. I clicked through a marketing landing page on their website. This was the link I clicked : https : XXXX XXXX XXXX XXXX. I will attach a PDF of the promotional landing page that I saved with the terms and link that I followed. I will also attach a screenshot of one of the pages of the application. 

The terms : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' XX/XX/XXXX : Open One Deposit Savings Account with initial deposit of {$15000.00}. 
XX/XX/XXXX : Open One Deposit Checking Account with initial deposit of {$100.00}. 
XX/XX/XXXX : Direct deposit into One Deposit Checking account for {$500.00} from my employer. 
XX/XX/XXXX - today : Maintained the minimum {$15000.00} on deposit in the savings account. 
XX/XX/XXXX : Reach out to Citizens Bank about {$600.00} bonus as the window in which I should have received the bonus was before XX/XX/XXXX. 
XX/XX/XXXX : Citizens Bank says they have no record of the promotion being on my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09
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:
I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine 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. I have contact the FTC and local police.

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 2020-03-09
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sometime late XX/XX/XXXX, I received a bill from a collection agency by the name of Hiday & Ricke , P.A . Stating I owed them XXXX. They claimed it was a Debt for a credit union account. On XX/XX/XXXX. I sent them a debt validation letter which they never returned to me. The thirty day time frame has lapsed and they are still harassing me and even served my Grandmother- in-law court papers which is ( ILLEGAL )!!!! I'm planning to counter sue them in court. Luckily we have camera 's on our house to prove it. 
I want people to know this is a debt collection company and you don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/2020 I received an alert of an Inquiry on my Trans Union credit file., This Inquiry specifically that of XXXX XXXX  on XX/XX/2020 was not authorized by me., I contacted Trans Union Credit Bureau the same day however I was on hold for over three hours and unable to speak to a credit representative., I was even notified. Is letter from XXXX XXXX XXXX, letter dated XX/XX/2020 and received by me on XX/XX/2020 in this letter they specifically state someone used my information fraudulently and unknown to me and thereby declined the application..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: AL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Information reflected on report is inconsistent and incorrect ; account has now been closed. Payment reporting has many errors and has been inconsistent on frequency of reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.

Company response to consumer: Closed with explanation