BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an 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 Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-07
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
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 my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2022-09-07
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a refinance for our loan on XX/XX/XXXX, and the loan funded on XX/XX/XXXX. At that time we had {$2400.00} in our escrow account. I have contacted the mortgage lender three times in regards to our escrow account refund. I have received different information during each phone call, and no one can provide me confirmation that our money has been sent to us. 
1st phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX and that I must wait 20 business days. No additional information was offered. 
2nd phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX ( different information ). They offered to stop processing on the first check and mail a new one. My request to send the check using a tracking number and XXXX  or XXXX service was denied, and I was told that is not possible. 
3rd phone call XX/XX/XXXX - I was told the second attempt check was sent on XX/XX/XXXX. I was told that it could have been sent with a tracking number with XXXX  with no explanation as to why I was refused that option the last call. I requested an email confirmation stating the escrow account refund check had been issued and was informed that the only confirmation was looking at my account activity on the website. Email confirmation was refused. 
Information during each phone call has been inconsistent. The company can not offer suitable solutions or explanations to resolve the issue. It has now been 46 days since our refinance funded to PennyMac Loan Services, and we have not received our escrow account refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: MN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: RIA FINANCIAL
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX at XXXX Hawaii time I have sent XXXX to a gentleman named XXXX XXXX who lives in XXXX apparently, he scammed me going on social media as _.XXXX XXXX and used a picture of a local woman. I was told that you can invest your money by turning XXXX to {$10000.00}. Due to my stupidity I did not hesitate to follow through. I second guess myself couple days later and realized that I would never see that kind of money so I cancled it. Couple days later I trusted who I assumed was the local girl so instead of {$480.00}, on XX/XX/XXXX at XXXX I sent {$470.00} to the same person XXXX XXXX and was promised that Ill receive that money before my trip to XXXX and he had called me to make sure that I would get it the next morning at any XXXX XXXX XXXX Saturday XX/XX/XXXX at XXXX I made contact with XXXX XXXX at this number XXXX ( XXXX XXXX XXXX. Promising me I would receive it. Monday morning came and I tried contacting XXXX through via text message and also called him and it went through a recording saying call rejected so I went to social media ( XXXX ) to let XXXX know whats going on ( did not know it was him who created the account ), and the account has been deactivated saying that the username was not found. On XX/XX/XXXX I found another local who was advertising the same thing XXXX XXXX did to so I trusted my gut assuming it was him so I had confronted him through a direct message and a couple seconds the page was deactivated and the username was not found which was XXXX. I made a post telling friends and family that its a scam and not to do it. I want him to be punished for his actions and I would like my {$470.00} dollars back he has nothing better to do so he scams people from all over the world and makes broken promises. I appreciate you for taking the time to read my complaint because XXXX XXXX needs to be arrested XXXX and XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-12-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 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 2019-12-02
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX. 

Background : I have two loans with Sallie Mae. 

They have two separate payment amounts, x and y. 

I am supposed to pay " x '' and " y '' amounts. 

X and Y add up to 1000 dollars. 

Issue : I accidentally payed the XXXX dollars to just " x '' instead of XXXX to " x '' and XXXX to " y ''. 

Their was no system in place to check that I made this mistake. 

Not only did I begin receiving robocalls about a missed payment, I was charged a late fee that I was unaware of. 

How does a XXXX XXXX company fail to disclose that? Should that not be boldly displayed on their website when you are making a payment? 

Today on XX/XX/2019, after 5 years of being with them, I was made aware of a 5 % fee of whatever the remaining balance is in 15 days. Another disclosure that I was not made aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have informed the three credit bureaus XXXX, XXXX, Experian. That I was a victim of identity theft however, they still have not removed them 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: Global Lending Services LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been calling my loan company Global Lending Services Daily since XXXX XXXX. I have explained to them that since XXXX the payments have be on a reoccurring bases through their website payment poral. For some reason they stopped taking it out and I have tried several times to make a one time payment with no luck it keeps canceling. ON Friday  XXXX I sent a {$650.00} cashier check to the overnight address they advice me to send it to. AS of today it has not posted. I checked with my bank this morning and they advised me it tells them the account number I gave them does not exist and its the one that is on my statement from XXXX. I then called back to your customer service agent and asked to talk to a Supervisor and was told she could help me. I explained what my bank informed me and she said no worries the payment posted and everything is up to date. It was for {$650.00} posted to my account today,, And my ban must be mistaken because its posted to my loan account. My bank just called me and stated XXXX  told them the account number referenced on the cashier check is not valid and that the account number was not found that was placed on my cashier check. The account number I have is XXXX that was used on the cashier check. I pay my bills onetime and DO NOT want this to hurt my credit. The bank told me only other thing we can do is open me another account for just this payment and I wanted to know if you thought this would help. I also wanted to get my payment date switched to between the XXXX or XXXX of each month but they just put me on hold and never come back. PLEASE HELP ME I DONT WANT MY CREDIT TO GO BAD, or LOOSE MY CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Mid-Atlantic Finance Co., 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 submitted a valid FTC report to XXXX from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit 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