BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A loan account with XXXX is reported as sold to XXXX XXXX XXXX XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

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 2023-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have sent multiple letters to this consumer agency to update my personal information, remove debts that do not belong to me, removal of Inquiries that I was not aware of nor authorized, removal of inaccurate information, updating my credit score, request to have verifications of debts mailed to my residence. I have asked for a copy of my credit report mailed along with my updated credit score. What is being reported in inaccurate information which has impacted my livelihood. For months, I have written letters to get updates and nothing has been done. Online, this account indicates that it has not been pulled since XX/XX/2022. This is abuse of power and bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: CURO Intermediate Holdings
State: MS
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 disputed two accounts with all three credit Bureaus, and XXXX and XXXX removed the accounts, but did not do so on XXXX. Speedycash

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: KY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has fraudulent accounts that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Been trying to contact Citibank fraud dept for days now, XX/XX/XXXX - till today XX/XX/XXXX, keep getting a run around I call the branch they say they are doing the same to them. I call they say they unblocked my account ; still cant use my own money. No verification process and no one is there to help keep hanging up on 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 2023-03-13
Company: EQUIFAX, INC.
State: GA
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 XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2017-12-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX  account : 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 2022-08-11
Company: CITIBANK, N.A.
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXXXXXX XXXX CBNA/XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX  credit report . I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/2022 CBNAXXXX XXXX XXXX  XXXX XXXX TN XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # - 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 2023-01-13
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-03-06
Company: OneMain Finance Corporation
State: MI
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:
1. ONEMAIN FINANCIAL 2. XXXX XXXX XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX my husband and I were discharged from chapter XXXX bankruptcy. My payments to navient were subsequently put into forbearance. I was also XXXX at 100 % during this time. This information was made known to navient through an application for XXXX and XXXX  XXXX while in bankruptcy. Our bankruptcy attorney also sent a letter to nabi it indicating that it would be overbearing for us to make payments. Navient has a condition whereby if you are XXXX XXXX during loan repayment and in bankruptcy all I would need to do would be to file papers with this in mind. Later in XXXX I received letters from navient indicating that six of the seven loans in my name where paid in full. My husband and I were overjoyed that navient had approved the application for discharge under XXXX  and XXXX  XXXX. We subsequently stopped making payments on those loans but soon after received calls to make payments! We were concerned and told the representatives ( a total of 21 different representatives were involved in these conversations ) had we had received letters indicating that are loans have been paid in full. After much suffrage in sending copies of the letters, copies of the application for XXXX, letters from our attorney in bankruptcy, and notice of the correspondence received from Naviance, we were then told that the letters were sent in error ; and that we were still liable for the loans! You could imagine our confusion! Who would send letters with the exact loan numbers on them and the correct name and address ( we'd just moved and filled a new address with navient just a few months prior ) if this indeed was done in error! My response was that we were going to adhere to the letters and not make any further payments. Navient kept calling and kept insisting that we we're still liable for the loans. I saw it differently! Now they are telling us then we must have our attorney call to discuss this situation. we admit that one of the lungs was in my husband 's name and he is not disabled however he was in bankruptcy with me. And the other loan was a XXXX loan and could not be included in the letters that were sent, though it was! also, we were told that because my husband was a cosigner on one of the loans in my name, that he would then have to pay if indeed the loan was discharged. that doesn't make sense because if a loan is paid in full why would that be anything left over for him to make payments? Please look into this issue and direct as to where we should now turn! We appreciate the time you give this situation! And we are willing to go ahead with a suit if there is no other way to come to and honest solution. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I wrote to Equifax, to make the aware that there were errors on our credit report. We identified the errors that were reporting for each of us, and asked them to conduct investigations. Our understanding was that we should expect a response within a month. It has been nearly two months, and neither of us have received anything in the mail from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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: Account status incorrect

Complaint:
As usual, XXXXXXXX XXXX XXXXXXXX is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact XXXX and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
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 explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under 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 2019-09-20
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
net spend and brinks prepaid cards im not receiving anything and not able to use card someone else I believe might be fraudulently using card I never have gotten any funds

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 2019-09-20
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: Account status incorrect

Complaint:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.

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 2019-09-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX  Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX XXXX as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.

Company response to consumer: Closed with explanation