BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized

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 2019-06-07
Company: EQUIFAX, INC.
State: MN
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 went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail crap from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove the following account from my credit report. The company has investigated it and realized that this account was not authorized by me. It is the result of identity theft I have attached proof from the company below.

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 2019-06-07
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX/bestbuy ( old account owner to charge off when at the time it was not a charge off just a transfer to new company bestbuy/cbna )  now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the XXXX/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. XXXX  is constantly down and not allowing reporting these errors and previous XXXX credit fixes stayed pending.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I tried to call this number and it always said all circuits are busy. 

I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.

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 2019-06-07
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove the following account from my credit report. The company has investigated it and realized that this account was not authorized by me. It is the result of identity theft I have attached proof from the company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have multiple fragmented credit files with Equifax. I have submitted 12 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: Navient Solutions, LLC.
State: MI
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:
Navient has been an absolute pain. I have submitted request for loan forgiveness and low income payment option they always say they do n't get my paperwork. they will never have someone higher up contact me. this has been going on since 2015. I have documentation. The call reps are always rude and force me into forebarrance i have no clue what this means or what it is. When I make complaints and tell them i have info and a fax report saying they received my docs they respond I sent them to another company not Navient. I am far from slow I know who I send my stuff to. My credit report is horrible they refuse to fix the issue or back date it is always a run around with the reps. When I ask them to send me my file my call log and ect they say this is impossible. On several occasions I have asked them to record the whole conversation they will not. They do n't log half of the calls. I 'm lost it is impossible .. I 'm at the mercy of the receptionists.I feel like they are purposely doing this. Also, XXXX college pressured us into using this company. They offer funding through them for programs and then do n't offer classes or add more to accumulate more funding and require you to extend your stay. it is a scam it is predatory lending. I can not even use the degree they told me I had to get unless I was a nurse so I do n't even know why I was allowed to be in the program. Every time I ask to speak to someone I never get anyone in charge I WAS NEVER TOLD I COULD FILE A FORMER COMPLAINT EVEN THOUGH I HAVE ASKED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Nelnet, Inc.
State: MI
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:
All 3 bureaus contiue to report Great Lakes which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted Great Lakes, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Diversified Consultants, 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 found a recently opened account with no info Except company name on my credit report. I have never been contacted by this company no information, you try contact number is is voice mail that is full. I have had no business with this company or anyone they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made several attempts over the past few months to have XXXX and Equifax to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. XXXX 's last report date was XX/XX/XXXX. Is there a reason why XX/XX/XXXX and XX/XX/XXXX reporting was n't made on this date ( XX/XX/XXXX ), when in fact XXXX is responsible for reporting on the XX/XX/XXXX of each month? Per my reporting via Equifax pulled on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were left blank without a reporting status.
XX/XX/XXXX - XX/XX/XXXX should all reflect as " paid on time '' not XXXX for XXXX XXXX or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that XXXX correct and update the reporting of my on time payments for the months of XX/XX/XXXX- XX/XX/XXXX. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
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 had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. XXXX, XXXX, Experian. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. XXXX did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as Experian, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX  XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX XX/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 2018-07-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a mortgage customer of Wells Fargo since they took over XXXX XXXX approximately 16 years ago. I have been in my home for over 20 years and have never been late with payments. I continued to pay PMI and was still at 7 % interest. Friends who are mortgage underwriters, told me to contact Wells Fargo and ask two things ( in this order ) : 1 ) can the PMI be stopped and can I get a refund on some of those payments, and 2 ) can I  refinance to a streamline mortgage where there is no credit check, appraisal, or closing costs needed. 

I contacted Wells Fargo on XX/XX/2018 asking for the PMI reduction/refund. That was denied. The first person I talked with was XXXX XXXX. 

I then asked about refinancing to a streamline mortgage. I completed the on-line application and was denied on XX/XX/2018 due to my credit score. But then I received XXXX documents from Wells Fargo to sign, which included a promissory note. They were refinancing my mortgage ; however, it was for another 30 years, not the 10 I asked for. Also they were charging me over {$4000.00} in closing costs, which included an appraisal. 

After this, I talked to numerous Wells Fargo representatives regarding that this was to be a STREAMLINE loan, with no closing costs, credit checks, appraisal, etc. I also received numerous emails and phone calls from representatives saying they are just touching base and will get an answer to me shortly. My latest correspondence from them is in letter form dated XX/XX/2018. 
Since, I have refinanced with another local bank. My needs were met ( exceeded ) by them ( no credit check, no appraisal, no closing costs ). 

I feel that I was not being given a product I requested and being pacified with all the correspondence with no answers. 

My home value is {$110000.00} and I owed {$45000.00}. That is over 60 % equity. 

Because of the standoff, interest rates rose and I am paying .5 % more than when this started. 

Also, during the process with my local bank, I made another payment to Wells Fargo. When I received notice of payoff from them, they said if I am due a refund, it will be deposited into the escrow account. This is totally unacceptable - I want a check sent 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 2019-06-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen I contact Discover Card. They did their own investigation they provided me with a letter stating that I was not a fault and they would update my credit report now they're trying to hold me liable after they provided me the letter and they're still refusing to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: Navient Solutions, LLC.
State: FL
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:
This company Navient sets unrealistic payments. They want me to pay nearly 400.00 a month and the only other option they will give me is to be put on deferment or forbearance. It is a scam. They do this to rack up over 90.00 a month in interest on my account. I offered to work with them to give them a payment I can afford so that I am making some kind of payment, but they refuse. They are so eager to put me on a deferment to accrue the interest. Its also worth noting that they bought out my original student loan. I also read online about a forgiveness for those who went to XXXX XXXX because of their shady practices and I couldnt get anyone to even talk to me about it. XXXX XXXX cancelled my program and I was not able to get a education but Im left with the bill. And now I cant even pay the bill because Navient cares only about racking up interest at 90+ dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Advantage Auto Sales, 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: Investigation took more than 30 days

Complaint:
The problem is XXXX  is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau.

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

Equifax received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

XXXX  received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.

Company response to consumer: Closed with explanation