BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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:
Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX XXXX  Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Please know that this XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account # : XXXXhas long been deleted in XXXX and XXXX  side but Equifax still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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:
I'm sending this to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My employer is incorrect on my XXXX, XXXX and equifax report. Please update to XXXX. XXXX has only ever been my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I see inquiries on my credit report that I do not recognize. These inquiries are unauthorized and need to be removed from my report asap.

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 2019-11-23
Company: Navient Solutions, LLC.
State: AL
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:
XXXX Estimated loan amount in total {$44000.00} After having my Federal tax returns seized because of my defaulted student loans with Navient I started making a year 's worth of consecutive payments to get my loan out of default. I was then advised, after they came out of default to consolidate my school loans and given little to no information on how this would impact my credit, I was mislead into thinking this was the best option, so I did it. This severely hurt my credit leaving me unable to get any type of financing anywhere. I was given no information on who consolidated my loans or how to even start paying on the consolidated loans back. I still can't find this information. Also, I recently started getting billed from Navient for another loan that I thought was included in the consolidation but was left out of it and now going into defaulted status. They have failed to give me any other options and have failed to advise and inform me with the best possible solutions to repay my loans without damaging my credit and taking my Federal tax returns. This has ruined me financially. I am a single mom of XXXX young kids working hard to provide for my family and count on my Federal tax returns to get ahead. I can't even finance anything, house, car, credit cards, etc. I almost wish I opted out of even getting student loans and paid out of pocket. This has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive checked my credit report and an account of mine is reporting personal details/information without my written consent.

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 2021-01-29
Company: U.S. BANCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed and I didnt know XXXX transfers were not supported and/or protected through my account!!! XXXX should be a separate application from my USBank account.. theres a sense of false security and Im disappointed in myself mostly, but also with USBank!

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 credit report is showing accounts that I have never had contracts or history with. I have already filed an FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 DPT EDXXXX XXXX, XXXX XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete from credit report 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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2023-11-13
Company: EQUIFAX, INC.
State: WI
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

1 ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly!

5 ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!

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 2023-11-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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 recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX FCRA Violation XXXX real estate never late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX  FCRA Violation : hard enquiry not mine XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by XXXX and XXXX respectively. I had noticed a change in my account balance by XXXX and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.

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 2023-12-01
Company: RGS Financial, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Received another text from RGS financial.com today again XXXX. Just blanket statement of debt collection. 

Im afraid to open their link requires my agreements to open the link. I do not want to be hacked or receive spam or other issues from RGS financial.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient has contacted me more than seven times in a seven day period and continued to contact me after I verbally requested for them to stop. 

These are the dates and times of their phone calls : XX/XX/23 at XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX and XXXX I have attached screenshots of the phone calls to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, XXXX XXXX XXXX  and Quicken Loans. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and is misleading. I am also requesting the names, addresses, and telephone numbers of the individuals you contacted during your investigation. 

I wasn't provided any of the information nor the Items disputed were removed during the investigation or corrected after in clear violation of the law and total disregard for the hardship they have caused, even after deletions to some of the accounts I found Experian to be the most difficult regardless of the law, furthermore, even when I brought to their attention the errors on my report and the fact some accounts have deleted they continue to report the false information as verified even though it wasn't and the method of verification was a piece of paper from the collection company has my name and amount owed knowingly by law it's not sufficient nor the document they must share with me. 

XXXX XXXX, XXXX XXXX XXXX XXXX {$31000.00} Collections {$33000.00} {$0.00} 1 late payment Reported as installment account with payments ( Collection account removed by XXXX, still exists on EXPERIAN AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After paying off my balance XX/XX/2021, Capital One charged me interest on a {$0.00} balance on XX/XX/2021, with no notification between XXXX and XXXX that there was a balance on my account. I had also not checked back to that account because It had been paid in full and not used again after. Due to this it caused the credit bureaus to flag delinquency in payment which dropped my over XXXX credit score to close to XXXX. I disputed this with all 3 credit bureaus in which 1 gave me back almost 50 points ( XXXX  ), one gave me back 30 points ( XXXX ), but only a slight bump for the 3rd ( XXXX  ). The same day that the disputes were being resolved, Capital One also decided to drop my credit limit in half ( {$10000.00} to {$5000.00} XXXX due to delinquency reported by the credit bureaus. This is very questionable timing given the delinquency was originally reported by Capital One therefore showing they already had knowledge of the balance, but also provided NO PRIOR NOTIFICATION of the charge or continued open balance for me to review before it drastically effected my credit.. 

Prior to this, I held a 100 % payment rate with Capital One and all other institutions in which I held debt, with this account being my oldest line of credit as a member for almost 9 years. In that 100 % payment rate I have paid off MUCH higher balances ( that I actually charged ), so to be punished this highly for an interest charge that I was not even notified about is highly disappointing. I tried to contact Capital one to have this fixed in which they told me there was nothing they could do, and basically it is what it is but it will be gone in 4 years. 

This is a form of fraud on the side of the institute ( rather than an individual ) and it should be known by all consumers that the company conducts business using unethical practices knowing the leverage it holds over consumers. I do not deserve to have my exceptional credit rating drop to fair/good when I wasnt notified of being charged and all indicators showing that had I known it was there, it would have been paid.

Company response to consumer: Closed with monetary relief