BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Date : XX/XX/2019 Time : XXXX I requested all three of my annual credit reports from XXXX at once, but was only allowed access to the XXXX  report. After viewing the XXXX  report I clicked the view next report button where I was taken to a screen with the logos of the credit reporters with a blue checkmark by XXXX  and XXXX  and a green checkmark by TransUnion, I clicked on the logos and was not taken to any other reports. When the XXXX  report was closed I was not led to any other reports and was denied resubmission to see the two other reports. I had the webpage continuously for less than 20 minutes and did not leave my computer unattended for the session to time out.

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 2019-12-26
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:
ITS NOT MY ACCOUNT, NEVER APPLIED FOR IT. I NEVER SIGN ANY DOCUMENTS WITH THIS COMPANY.

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 2023-03-14
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical bill disputed with provider was sent to Financial Data Systems. Have made repeated attempts to contact this company in regards to bill. Can not get a response in any form. Have disputed the hit on my credit with XXXX and XXXX and disputes get kicked back as dismissed with no contact from the collection agency or anyone representing them to give me information to resolve the debt. At this point my credit is being negatively affected by a collection company that will not do the basic minimum required to settle the debt beyond continually holding the debt and not communicating. It goes without saying if i can not communicate and establish any type of payment or get a response how is it remotely fair to continue to keep hitting my credit for this debt. After the 4th dispute for lack of communication I assumed someone would have at least emailed, called or sent paper mail in regards to the debt. It is asinine to have to be held over the fire by a company that does not do the bare minimum legal requirements for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NV
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 am filing a complaint against the XXXX credit bureaus for having my bankruptcy on my reports. XXXX, Equifax, and XXXX all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MI
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 inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the Equifax data breach and may have got a hold of by the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2023 there was a credit inquiry form XXXX. XXXX XXXX that was not mine. I called XXXX XXXX XXXX and spoke to someone who was suppose to investigate and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MA
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 am writing to bring to your attention the inaccurate information that has been reported on my credit report by Equifax. Despite my previous communication with Equifax on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal law. 

Below, I have outlined the details of the incorrect information and the necessary corrections for each account : These accounts do not belong to me, and I request its removal from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : XXXX ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$430.00} ) The reported information stating that these accounts were late is incorrect. I request that this inaccurate information be corrected on my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, High Credit : {$500.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$450.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX closing with a new mortgage company here in Arizona we had to work with Freedom mortgage again to find out the appraiser that Freedom used was never paid by Freedom. I paid XXXX for half of it. In closing on the new loan, I had to pay the full XXXX to the appraiser, this is disturbing to me. the Freedom charged me XXXX for a late payment that was waived and shows waived on my account. I also was charged 8 {$30.00} fees on my account which the customer service rep could not explain. they told me it was a shortage in the escrow. Now I found out the 8 {$30.00} charges were for the payoff requests. So, my new loan company only requested 1 payoff. Freedom never disclosed this to me or the new loan company. This is another misrepresentation. All of this is just another example of how they treat Veterans. This is also my second complaint with Freedom Mortgage. I started this refinance with Freedom in XXXX of 2021 and after 140 days they just canceled this refinance due to lack of information. this same information was given to the new mortgage company, and we closed in 4 weeks. no that all the dust has settled Freedom walks away unaffected. and I paid {$880.00} in fees and appraisals that Freedom should have paid. I would like Freedom to pay this back and apologize for this. I think Freedom should be investigated for these practices.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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.

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 2022-10-18
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 status incorrect

Complaint:
On XX/XX/XXXX I reported to Experian that a debt collection ( XXXX XXXX XXXX ) is being disputed on its validity since XX/XX/XXXX. The collection on my account should be labeled " in dispute ''. And if the company can not confirm debt validation in my name the collection should be taken off 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 2022-01-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently I became aware that one of three of my student loan providers, Navient, reached a settlement to forgive loans provided from XXXX. I qualify for the settlement. On XX/XX/XXXX, I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid off my Navient loans ( $ XXXX ) as of XXXX!? 

Some time ago, I reported XXXX  to the credit bureaus because they were showing up on my credit report and I NEVER applied or received a loan from XXXX for school or anything. XX/XX/XXXX, I reported them to the Department of Education because my Navient loans should be forgiven through the settlement instead of being transferred to XXXX. The loan amount from Navient ( $ XXXX ) still shows up on my credit report but under a new name, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have filed a complaint with CFPB already, case number XXXX. Cased was closed with no result. I have a cashed check from Transunion, who stated that there was no fee for minor freeze protection. All required paperwork was with the check.

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 monetary relief
Consumer complaint received 2023-08-21
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
As a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for free credit monitoring with Experian. 

I was never informed that my free subscription would convert into a paid subscription, but in XXXX of XXXX Experian began charging me {$24.00} a month for my membership. 

I finally discovered this a couple of days ago and immediately canceled my membership and disputed all the charges that my bank would allow me to. 

Experian immediately issued refunds for the 4 charges that my bank let me dispute, I suspect this is because they knew they were engaged in deceptive business practices and never had grounds for charging me in the first place. 

I find Experian 's behavior especially egregious in the wake of the XXXX XXXX XXXX XXXX I can't imagine I was the only consumer who was unknowingly charged by Experian under similar circumstances. 

My bank has been able to work out the charges from XXXX, but I am still working on recovering the XXXX XXXX  from XXXX. I have spoken with Experian and they refuse to refund the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXXXXXX XXXX to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: NY
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 car was totaled on XXXX XXXX, 2015. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with 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 2022-01-17
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: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. 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 non-monetary relief
Consumer complaint received 2018-03-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Ally savings and invest account were locked out more than 10 days ago after a transfer triggered a fraud review in their system. I submitted documentation as requested by the bank but they will not unlock my account and give me access to my 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 2023-05-31
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

Company response to consumer: Closed with non-monetary relief