BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
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 information incorrect

Complaint:
I am writing this complaint due to Equifax not responding to request to have a inaccurate account removed due to it being fraudulently added to my account. I have disputed the account several times and I get the same generated response days later. I initially contacted Equifax on XX/XX/XXXX by mail, in reference to the account from XXXX XXXX XXXX XXXX, which is in the amount of {$380.00}. Following the generated response from Equifax, I contacted them again by mail on XX/XX/XXXX. Receiving yet another generated response, I contacted Equifax by mail again on XX/XX/XXXX. This account is fraudulent and inaccurate, and is being published and distributed to 3rd parties and is damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: PA
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 request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2017-09-08
Company: EQUIFAX, 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:
Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022, XXXX removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with Equifax and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to XXXX/LoanCare. My hazard insurance provider billed me/them {$1700.00} on XX/XX/XXXX. They paid only {$580.00}. I am now getting insurance cancellation threats from XXXX XXXX XXXX. 

I don't like my loans being sold.We were happy with XXXX. 

What protects people with mortgages from having to deal with companies they did not select?

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 2021-06-23
Company: TradeStation Group, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end.

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is incorrect information regarding XXXX XXXX XXXX XXXX on my credit report that the company did not provide any information to verify the account although the credit bureau Experian stated the company verified the information. When asked to provide the verification the credit bureau Experian stated they did not have it. If it can not be verified, he has to be removed. Experian has refused to remove the fraudulent account.

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 2018-05-24
Company: DISCOVER BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX   FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: AZ
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:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : 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 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: MN
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:
I logged into XXXX to get my free credit report and was denied my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: NV
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:
On my Experian report it states that as of XXXX XXXX, I owe {$440.00} to XXXX XXXX. I have repeatedly disputed this as it does not belong to me. It belongs to my ex-wife as we have been divorced since XXXX. *This account was removed from my report in XXXX and reappeared under another collection agency XXXX XXXX XXXX in 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 2022-07-13
Company: Experian Information Solutions Inc.
State: HI
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}

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
Consumer complaint received 2020-06-22
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On/around XX/XX/2020 my wife and I applied for an FHA through Rocket Mortgage/Quicken Loans. We provided all requested information, including detailed financial/credit information, after which we were given a " Verified Approval '' letter for up to {$350000.00}. The letter specifically states that our income, assets and credits are verified and that the letter was good for 90 days. Also included in the letter is a {$1000.00} guarantee payable if Quicken Loans is unable to close on the loan due to the same income, assets or credit. Not until our entering into a purchase contract and beginning the closing process, Quicken Loans asked some additional credit questions specifically not asked during the verified approval stage. Based on our answers to these credit questions, Quicken Loans was not able to continue with the loan. We had to back out of the deal, wasted our time, our agent 's time, the sellers ' agent 's time, the sellers ' time, and we lost over a month looking for rental home opportunities. When we inquired as to how to get the {$1000.00} guarantee, our primary contact said not eligible. Customer service said the same, but when we pressed, were referred to their " Senior Research Team ''. Nobody would transfer us to this team. When we were getting transferred, we would wait for 15-20 min before dropping  off as nobody was picking up. We were able to get XXXX on their customer service team who helped to finally get us connected to XXXX XXXX last week from the " Senior Research Team '' ( XXXX ). XXXX said would research and respond by EOB XX/XX/20. XXXX just called to relay Quicken Loans would not be honoring their guarantee as our credit " materially changed ''. Nothing has in fact changed, Quicken Loans just didn't due its diligence or ask the questions it needed to on the front end. There was no dispute when we argued that we gave Quicken everything that was requested and that we answered all questions that were asked. This is nothing short of false advertising, bait/switch, etc. FHA borrowers already have a tough enough situation, so dealing with shady lenders who don't honor guarantees they have put into writing shouldn't be an extra issue put on their plate. We gave Quicken the opportunity to do the right thing and honor their guarantee. They made a business decision not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX DPT EDXXXX : XXXX XXXX XXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT ED/XXXX : XXXX DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation