BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NY
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/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and migraines every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to  Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.

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 2021-12-10
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EMCC Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIANT FINANCIAL SVCS XXXX - XXXX did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested XXXX times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in dishonor at this point, reporting false information on my consumer reports.

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 2021-01-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian did not investigate an account on my credit profile for Dept of Education/XXXX  this is not my account and I hav never had a account with them

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 2017-08-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Information belongs to someone else

Complaint:
The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.

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 2019-12-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I was reviewing my Equifax credit report and there were 3 old accounts listed that should not be on there. Under the Fair Credit Reporting Act, old accounts can not be on your credit report after 7 years. Two XXXX XXXX  accounts are over 10 years old and the XXXX XXXX account is over 20 years old. These same 3 accounts are not the listed on XXXX or XXXX. 
The information on the XXXX XXXX  accounts and the XXXX XXXX  account are incorrect. These 3 accounts were paid off as part of a debt repayment program called XXXX XXXX XXXX XXXX XXXX. Attached is payoff information sent to me from XXXX XXXX XXXX along with my XX/XX/XXXX XXXX credit report that shows incorrect information as well. 
You can also reference reference prior reports to CFPB for more information. Report number XXXX on XX/XX/XXXX regarding Equifax and report number. 
XXXX on XX/XX/XXXX regarding XXXX XXXX  can also provide more information and detailed back up on this issue. 
It is against the law to not only provide incorrect information on credit reports, it is also against the law to post old accounts for 10 to 20 years on a credit report. This information is affecting my credit negatively and prevents me from getting credit cards and other things that are based on your credit score. It appears that Equifax is deliberately trying to intentionally do this considering these 3 accounts were part of a debt repayment program and they are not listed on any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Account status incorrect

Complaint:
In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report, I noticed a number of inquiries that a didnt do or did i give written permission to do. Ive been a victim of identity theft, Ive sent in a number ftc reports. Im not sure how this keeps happening the following inquiries are XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-07
Company: EQUIFAX, INC.
State: TN
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:
I previously reported that Equifax ( EQ ) is reporting incorrect information below is the the previous complaint.

Equifax ( EQ ) is reporting incorrect information. All of my student loans are paid in full yet after several attempts to corrected. EQ continue to show they are not paid in full. I also have several others listed below that are not being reflected on my credit reports permanently. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The results of the complaint EQ corrected the student loan accounts showing that they are all paid in full. EQ did not correct and up date the XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. EQ removed ( deleted ) the accounts. I am requesting that the accounts are to be added back and corrected to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I used the Experian website to temporarily remove a credit freeze on my account. The website told me my credit report was temporarily unfrozen for the time I requested. The credit union attempted to pull a credit report but was denied. I received an email from Experian telling me that they declined access to my credit report. I attempted to call Experian using various phone numbers and can not get out of the voicemail application. There is no selection that addresses my problem and I can not get a 'live ' operator or customer service representative. All I get is a message to mail a letter to them and explain the problem. Why can't we contact the credit bureau and why are they allowed to run their business this way?

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 2021-12-10
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:
The EXPERIAN company has reported me with the following wrong information. 
COLLECTION ACCOUNTS 1.- XXXX XXXX the account belongs to the company XXXX, opened on XXXX for a value of {$1900.00}. 
2.- IXXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX, XXXX on XXXX for a value of {$1600.00}. 
XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX FL, opened on XXXX, for a value of {$4200.00} 4XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX XXXX XXXX opened on XXXX for a value of XXXX CLOSED ACCOUNTS - CHARGE OFF 1.- XXXX XXXX XXXX XXXX XXXX, Auto loan, opened on XXXX for a value of {$18000.00} XXXX AXXXX XXXX XXXX, open on XXXX for a value of {$4200.00} XXXX XXXX XXXX Cell Phone opened on XXXX for a value of {$2500.00}. 

These accounts are a fraud where my identity was stolen to open them, I have reported several times to the EXPERIAN company that this is a fraud, but they do not want to erase the wrong information. The credit companies XXXX and XXXX have the correct information and I do not have any of these reports with them. 
The EXPERIAN company is causing me great harm by keeping this incorrect information within its report, which does NOT match the other two credit companies.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission

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 2022-08-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
( 1 ) Already Approved IDR from StudentAid.gov : I am attempting to provide real facts for already approved IDR for a New Navient email received on XX/XX/XXXX. I followed Navients prior suggested and continued suggested link TO StudentAid.gov. The message stated on StudentAid.gov that my already approved IDR is not due to recertify income until XX/XX/XXXX. ( XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX Navient logged in web account already approved IDR from studentaid.gov complimentary copy uploaded with Navients system confirmation. The already approved IDR was embedded within a PDF document. I provided this three times to Navient to clear up communications and validate IDR. The first uploaded Navient PDF didnt get acknowledge via phone communications, therefore, I took image receipts of the other two from Navients system confirmation. Navient kept saying they didnt receive anything from me, however, again, my logged in web account, Navients system confirmation stated otherwise.

( 3 ) *New Problem, As of XX/XX/XXXX, I am missing credit in my Navient web account for XXXX paid through XXXX XXXX. ( XXXX XXXX ) ( XXXX ) Although I have an already approved IDR from studentaid.gov, I recently had temporary funding available, therefore, I made good faith efforts. I paid off 2 private signature loans and 1 federal loan. In addition, I made numerous payments toward my federal loans. For some reason, my Navient communications by phone and email do not reflect any of my efforts? However, I have Navient payment and date confirmations. Payments were posted from my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Thank you for reading my concerns with receipts for validation. Kind Regards. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/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 explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 called because there was an open account on my transunion report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.

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 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I would like to formally withdrawal my complaint dated XX/XX/2022, against Bank of America submitted through your portal on or around XX/XX/2022, Bank of America has agreed to look into and resolve this matter with out XXXX involvement. Please remove said complaint from your database and notified BOA the complaint was withdrawn.

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 2021-12-10
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:
XXXX is in dishonor at this point, reporting false information on my consumer reports.

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 2021-12-10
Company: Synter Resource Group, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been receiving calls and text messages since XXXX for a different person. I have told them that they have the wrong number and they continue to contact me. The dates I have recorded are XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation