BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2018-09-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to XX/XX/XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.

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 2020-10-21
Company: Exeter Finance Corp.
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:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have received a letter informing me my account has been closed and the only reason listed is excessive credit reporting agency inquiries. I have over 14 years of clean credit no missed payments and pay over the minimum. They should not have closed my account due do 90 % of the inquiries were my car shopping. I have over XXXX in open credit and on way a risk, their unwarranted action has hurt 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 2022-12-22
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
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: Old information reappears or never goes away

Complaint:
Experian is reporting 3 inquiries that should be deleted from my 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 2020-10-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX XXXX  XXXX at XXXX XXXX - XXXX XXXX XXXX XXXX, I was seen in XXXX XXXX  on XX/XX/2018, and XXXX  on the next morning. I received a bill from XXXX XXXX XXXX XXXX for {$1400.00}. I sent them a letter after getting a bill for their services, I sent them a letter with all the information for my Kentucky XXXX, so they could get paid. Never heard anything until I received a letter from collection agency. I called XXXX and spoke to 2 people and they informed me that XXXX XXXX XXXX XXXX had never submitted a request for payment for their services. When on the phone with XXXX they informed me that a bill must be submitted within 1 year from the day services were done. So XXXX XXXX XXXX XXXX never sent a bill to XXXX to be paid even though they had all the correct information to bill XXXX. So I believe they messed up on the billing and then turned it over to Wakefield and Associates for collection. The collection agency thinks that I should pay the bill even though I wasn't the one who forgot to submit a invoice for payment. I am attaching all documents that I have concerning this, to prove what I stated above. The letter from Kentucky Cabinet for Heath and Family Services states clearly I had no co-payments or deductibles to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: AL
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 SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: CA
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:
THESE ACCOUNTS WAS OPEN IN MY NAME WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Mr. Cooper from XXXX on XX/XX/2021. The loan is in good standing and came over in good standing but with an incorrect monthly payment amount which has caused misapplied payments, an incorrect escrow balance and an incorrect loan balance. 
I have spoken to six ( 6 ) different Representatives and your Escalation Department but the errors and mistakes continue to exist. This has been going for over 45 plus days since the loan was transferred to Mr. Cooper. Ive contacted Mr. Cooper by phone, I spoke with a XXXX on XX/XX/XXXX, I spoke to a XXXX on XX/XX/XXXX, I spoke to a XXXX and XXXX on XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and continue to email XXXX XXXX XXXX for updates. All this has resulted in nothing, no action taken to correct my balances by Mr. Cooper. 
By their own admission, loan activity review and verification by each Representative the balances are incorrect. My monthly loan payments are made on time but are misapplied each month to the principal, interest and escrow. And still Mr. Cooper has taken no action to rectify these errors and mistakes since the loan transferred on XX/XX/XXXX. 
I sent a letter to correct the errors and mistakes on my loan. They only corrected the amount for XXXX on XX/XX/XXXX but not the misapplied principal, interest or escrow balances for XXXX and XX/XX/2021. I was told if there were any misapplied payments they were done. 
Here are the details for the adjustments and corrections. 
Prior to Mr. Cooper taking over loan servicing, payments were made to XXXX for the projected escrow shortage. These payments were made prior to XX/XX/2021 in the amount of {$140.00} reapplied on XX/XX/2021 from date of payment on XX/XX/2021, {$140.00} on XX/XX/2021, {$1000.00} on XXXX and {$670.00} on XX/XX/2021. The total amount paid for the escrow shortage was {$1900.00} and all this was not applied to the escrow appropriately. 
The XXXX payment was made to XXXX on XX/XX/2021 in the amount of {$2300.00}, the extra {$140.00} should have been applied to principal. The XXXX payment was made to Mr. Cooper on XX/XX/2021 in the amount of XXXX, the extra {$140.00} should have been applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
I have contacted and filed a complaint with lexis nexus and they keep saying the information is verified. These are addresses and names that are not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Billing Error Dispute Dear Best Buy Credit Services, I am writing in regards to a billing error previously identified in a billing statement issued on ( XX/XX/XXXX ) in the amount of ( {$3800.00} ). Now, the statement reads {$4900.00} of which there is still a billing error. As of XX/XX/XXXX, i have yet to receive a response from you. I will attach a copy of the previous letter sent and received by you to this complaint. You have now defamed my character by placing a late payment on my credit report as well as pushing the account over the limit. Until this is resolved this account should be placed into a Do Not Pay, Do Not Collect status. Kindly remove the negative marks from my credit report. Nothing is late and there isnt a balance. I have the right to withhold payment until this matter is resolved. Please be informed that the closing, restricting or any form of adverse action will forfeit your rights to collect on the account according to federal law. 

I am disputing the entire balance on this account. {$4900.00} is a credit not a balance due. Please send documentary evidence such as books of accounting, proving that this is in fact a balance due. Do not send statements, that does not constitute a form of documentary evidence. 

The amount indicated as being owed is in a POSITIVE amount of ( {$4900.00} ) which is a credit balance in excess of {$1.00}. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. 

I would like to request a full refund of the amount of the credit balance in excess of {$1.00} be mailed to me.

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 2022-10-22
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2019-02-14
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.

Company response to consumer: Closed with explanation