BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
I am filling this complaint because I am tired. I have been fighting for errors and inaccuracies on my Equifax credit report for a while, but things becomes more difficult for me because I can't get approved for any credit application. I did online dispute, phone dispute even sending letters, but nothing. On XX/XX/2020, I decided to send them a series of letter about misinformation and negative items theywerereporting. They replied on XX/XX/XXXX and all inaccuracies were deleted. Two weeks after everything ( positive account ) on my credit profile was gone. I was in shock, I called immediately to let them know about what happened. Unfortunately, the guy over phone told that he was not able to locate my file and he stated there's discrepancies on my credit report, but he couldn't help me. My credit score was seriously damaged because of this issue. I have filed Bankruptcy or have a jugement on my credit report to deserve this. I called again and again trying to fix this matter, but my calls were unsuccessful until I find a gentleman who told me that my credit report contains a big discrepancy, he advised me to write a statement including my personal information, ID with currentaddress, SOCIAL SECURITY NUMBER for them to be able to help me resolve the problem. On XX/XX/XXXX I submitted my dispute including my personal information and on XX/XX/XXXX they replied stating that they were unable to locate a credit file in their database with the identification information I provided to them. In order to further assist me, they need additional documents to verify my identification. I sent them my full name, DOB, SSN CARD, ID with current address and my previous addresses up to 5 years. Until today I'm not able to get a copy of my free annual credit report. My fico score is low XXXX with no positive account and instead they putted back all inaccurate accounts they have deleted a few weeks before. I can't get approved for any credit application right now. It's so frustrating this situation. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via annualcreditreport dot com. I tried requesting my report using my correct legal name XXXX XXXX XXXX XXXX XXXX and all three bureaus notified me that my credit could not be pulled. I also tried using my former name XXXX XXXX XXXX XXXX XXXX, with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the transgender community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.

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 2018-05-15
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Dealer racially discriminated against me, ran my credit again to lower score even tho I was pre approved. Sold me a bad car with a insane interest rate that did not match my credit score because of predatory lending to XXXX XXXX. Car broke down a day after buying and I was stuck on side of highway. Had to send complaint to attorney general who mediated car being fixed but took so long payments were missed and loan went bad because I had to pay out of pocket for things dealer lied and said they did when they did not. Also paid XXXX down was suppose to go to car but later learned dealer lied and this was a fee to do loan, even though loan was submitted before entering dealer. Things were so bad I never even got the car tagged up, dealer also never offered to finance my tags into the deal after robbing me for the only cash I had in down payment money and not putting it toward the loan! Complained to finance company and all the did was request payments and demand car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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: Their investigation did not fix an error on your report

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter 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 2018-06-24
Company: Experian Information Solutions Inc.
State: CA
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:
I have a collection account reporting wrongfully as a re-aged account on Experian and XXXX  bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX   DELETED UPON PROOF OF RE-AGING. 
If EXPERIAN AND XXXX  READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... .. 
they should be able to delete the account without any further lies from their subscriber.

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 2021-02-11
Company: Financial Adjustment Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against FINANCIAL ADJUSTMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up a payment plan with Navient for both Federal and Private loans. I have payments scheduled on due dates, the " amount due '' says {$0.00}, yet it shows " past due. '' When payments are made to private loans, there is a " past due '' amount shown after payment has been recorded. 

I have tried calling Navient, but can not get anyone to answer. Instead, I get a recorded message that disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, 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:
Overall I have too many hard inquiries on my credit. 19 hard inquiries is too much. This happened while applying for a car loan at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Avid Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.

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 2020-11-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-12-14
Company: COAST PROFESSIONAL INC
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These folks are calling my Phone # every day looking for XXXX XXXX. My name is XXXX XXXX XXXX and that phones # is in my name.

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 2020-11-24
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I had an account with " MOR furniture for less '' that was paid off in full in XXXX. The payment posted to the account on XX/XX/XX/XX/XXXX and the account now has aXX/XX/XXXX balance. As of XX/XX/ MOR is still reporting a balance of {$3200.00} owed to all three credit bureaus. The account is PAID OFF, and has a {$0.00} balance. I have attempted to contact them to get them to report the accurate account balance to all three bureaus but have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: MD
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 that the public records of my bankruptcy be removed from my credit report. I have received a letter from the third party that the credit bureau has paid to collect this information ( attached ) and I would like this information removed from my credit report. I have disputed this item a number of times with the results being that the information is accurate and verified. I never received notice on who verified the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently sumitted an application to XXXX XXXX  located in XXXX, Florida, on XX/XX/XXXX. I was then informed that a background check performed revealed a eviction and judgement XXXX and was directed to their leasing desk to file a dispute. I disputed the eviction and judgement:1 length of time, 2.the eviction judgment acct. Was included in a previous bankruptcy chapter XXXX filed XX/XX/XXXX & discharged XX/XX/XXXX. I was also informed by the leasing consultant XXXX to provide proof of the order of discharge & would proceed with leasing.. All document where provided. I paid application fees and received a confirmation for the amount due {$690.00} to move in XX/XX/XXXX. When my family and I came into the office on XX/XX/XXXX to follow up with leasing. I was then told that they couldn't assist me at this time & I had to wait 30 days to receive a refund of {$250.00} from the application fee. I explained that the action to withheld the {$250.00} would cause more extreme hardship and that i needed it sooner to provide other adequate housing. Equifax denied providing the lease desk with the information. I've tried to follow up with a dispute to them. No success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It has been over 150 days and this information is still reporting on my account. XXXX  did a great job at removing the inaccurate reporting but XXXX and TransUnion are completely ignoring me. This is causing me stress and hurting my credit profile making it hard for me to get approval for credit. They are violating my rights and they don't even care about fixing it. Not only has this stuff taken a long time to fix but they aren't even communicating with me. I have had to contact these companies directly bc they keep reporting false information on my account. Please help

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 2018-03-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm not familiar with the below inquire on my credit and should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2018 Alert Type Inquiry Processed Date XX/XX/2018 Inquiry Date XXXX Inquirer Name XXXX CARD Address XXXX XXXX XXXX, XXXX, DE, XXXX End User Text EIS/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: OneMain Finance Corporation
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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: Account information incorrect

Complaint:
I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}

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