BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX, I received an alert from my credit monitoring company All Clear ID that I had a new item on my credit report. The item was placed by XXXX XXXX XXXX XXXX. We called and found out that I have been a victim of fraud AGAIN through XXXX XXXX. The acct number for XXXX is XXXX, at address XXXX, TX XXXX contact # XXXX and email address of XXXX. I called XXXX and informed the fraud department this is the XXXX time that I have been a victim of fraud with their company. Why did n't they block my social for any new services. I have a credit freeze on my credit since XXXX, fraud alerts and a credit monitoring service. This should not have happened a XXXX time with XXXX if their informational system had due diligence and fraud preventive measures in place. My local police department Detective XXXX XXXX of XXXX Police Department XXXX. XXXX had the audacity to tell me that they have no idea if I allowed these people to use my credit history for services. Very poor customer service and fraud department even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GM FINANCIAL KEEPS REPORTING THAT I OWE THEMMONEY AND I DO NOT ... ... RIGHT NOW THEY CLAIN I OWE 2 MONTHS I HAVE PROOF ON MY STATEMENT THAT I PAID FROM MY ACCOUNT AT XXXX ... ALSO IN THEPAST THEY SENT EMAILS FOR THE BILL BUT WHEN THERE WAS A PROBLEM WITH MY CHECKINGACCOUNT LAST YEAR THEY SAID I TOLD THEM NO CONTACT WHICH IS NONSENSE AS THEY SEND ME A NOTICE TO PAY..I REPORTED THIS BUT YOU AT CFPB KEPT CALLING ANOTHER GM NOT THE GM THAT TAKES PAYMENTS FOR CAR LEASES IN XXXX XXXX TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report 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 2016-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Public record information inaccurate

Complaint:
For the past couple months I have been challenging a bankruptcy that was put on my Transunion credit report that does not belong to me. They have sent me letters saying such bankruptcy was verified through the court system as well as a for profit company known as XXXX. I have reached out to those companies myself and they have stated that not such information was given to any credit bureaus. So i decided to file a report with the CFPB in regards to Transunion unethical reporting standards.

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 2015-09-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. 
See credit report agencies can added anything and do n't protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-04-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$0.00} XXXX XXXX {$510.00} XXXX  XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$330.00} XXXX  XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX  XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: DISCOVER BANK
State: VT
Product: Credit card
Issue: Billing disputes

Complaint:
made payment on time but 20 minutes late was charged {$35.00} fee. Called to complain and was told fee would credited back into account for being a loyal customer since 1996 and always paying on time. Now two month later they { DISCOVER CARD } has n't given me a refund!! After phoning a bunch of times!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a certified letter to Experian on XX/XX/20 requesting information regarding a fraudulent Account from XXXX XXXX XXXX XXXX/ XXXX XXXX, to date I have received no reply to date from experian XXXX I requested from Experian the documentation they received to verify this fraudulent account that was reported to my credit file. I requested the process of how the information was received and verified. To date Experian has failed to provide any documentation proving this account was set up or requested by me. I have signed no contract with the company nor have any knowledge of this debt.

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 2022-09-10
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Experian. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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 2017-09-28
Company: Navient Solutions, LLC.
State: CA
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:
Navient processes my student loan. There is no option on the initial payment method online to make additional payment to principal. This is misleading to the consumer and creates a situation that takes advantage of the student who may have a low level of understanding of the process. In order to pay beyond the standard payment two separate payments must be made. This is not clear or instructed anywhere that I can find online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ive been paying on the loan but all of sudden payments not being reported. Also, student loan has been removed from a couple of the bureaus but not all and Im trying to figure out why is it not being removed from all and only one or 2. Reporting incorrect information on credit report as well. Also, the concerns of My information being solicited to get paid while being in sync with the company due to the matters of building or having credit. The company is highly know for the dark pattern, which is very alarming and violations of its consumers laws, along with possibly getting pains to sell its consumers information. I expect to be reimbursed for these incompetent matters.

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 2022-04-14
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: AP
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 Far Credit Reporting Act Security Service FCU Account # XXXX, has Violated my rights. 

15 U.S.C 1618 Section 602 A, States I have to 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.

15 U.S.C 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.

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 2016-03-02
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loss of XXXX income in early 2015. My bank would not work with me to modify the loan in a way that I could understand. I missed a couple of payments throughout the year. I then had some room renters in the house but they were not paying while I had to pay to live somewhere else. I called my lender to notify them that I was putting the home up for sale and asked for a balance. They told be it was $ XXXX. The home is now under contract with me bringing in an estimated {$400.00} to close. The settlement agent ordered the payoff and it is $ XXXX. I do n't have the additional money to bring to closing and am in a position to be in a breach of contract. I contacted the lender to help and they are sending me a modification packet, which is not what I need. I need a speedy short sale process for an FHA loan so that I do not have a breach of contract with the buyer and realtors.

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 2016-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} 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 XXXXXXXX Balance {$25000.00}

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