BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Our loan officer notified us there are XXXX accounts of which we have no knowledge. XXXX account was shown on XXXX XXXX and we are disputing it. The XXXX account is on Equifax and we are unable to access it electronically. Requesting the report via mail and then disputing it, again by mail, seems to be an unneccessary delay. Since our loan officer was able to see information electronically, is there a way to allow us to see the report electronically? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Utah System of Higher Education
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was purchased from XXXX by UHEAA, and it has been nothing short of a disaster. A number of customer service problems and servicing issues. However, the one that needs to be fixed is that my paid-up status ( approximately 1.5 yrs ) was not transferred, making it difficult for me to take advantage of employer based payments on my loans ( would fall short of the minimums ) without having to pay out of pocket. It 's now been 6 months since the purchase of my loan and they are still 'working on ' a solution that should be fairly straightforward. I did not choose to go to UHEAA, I was moved there because they purchased my loan but they are not keeping to the parameters outline when I originally agreed. They have had to put my loan in forebearance, which means I can not access the employer program ( loan must be in good standing ). I have called approx. 10 times over the 6 months to get this corrected, and still no luck. Even worse is that it is approximately 1 hr wait time for each call.

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 2017-03-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent several certified letters to equifax, XXXX and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc. has taken over the servicing of our mortgage from XXXX XXXX XXXX. This company is harassing us through a barrage of phone calls when they deem the payment late. We sometimes send the payment in the first week of the month and although there is no penalty they claim it is late and that I need to pay it by the XXXX of the month. I never had this problem with XXXX XXXX XXXX. We had until the XXXX of the month before penalties were assessed. 
I have also been locked out of the of the website and to my amazement there is no direct # to call on the website. I tried one of their phone # s used to harass their customers and was redirected to the website. This is basically a company that has ear-marked customers and is out to get those XXXX XXXX XXXX customers that may have gotten in trouble with payments. 
The worst service and the worst treatment of customers I have ever encountered by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
This is my second attempt and follow up to cfpb # XXXX complaint Experian still has not completed my dispute and disregarded supporting information in my dispute. Their response was Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported and the summary of the results were sent to you on XX/XX/2022. I sent my follow up complaint with supporting information regarding the dispute. There is no way possible that they overlooked my dispute and only removed addresses. Cfpb please monitor the complaint closely because theirs account information that does not belong to me and Experian is neglectful in removing 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 non-monetary relief
Consumer complaint received 2021-03-18
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: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank 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 explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Auto Finance account as been closed and charged off since XX/XX/2017 and has not been sold to a collection agency but the above company is continually to re-age this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22, Midland Credit Management stated the account that they were contacting me about would be marked " cease & desist '' but they are still contacting me & threatening legal action. they have stated the account belongs to someone with the last four of their social being XXXX, which is not the last four of my social security number. mine is XXXX they continue to violate my consumer protected rights with the harassment of an account that has never belong to me. very unprofessional. their process of finding their customers is not reliable obviously. this is my second complaint against them through the CFPB so now, i will move forward to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-01-24
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted all XXXX credit bureaus, by way of certified mail on XXXX/XXXX/16, asking them to remove public information which IS NOT reported directly to them, but that they are receiving through a third party. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax has found information on previously stated Tax Lien 's through third party research. 

I 've asked that they please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

XXXX was the only bureau to delete the information. Equifax and XXXX sent letters in return, but failed to provide the information I requested. 

I am requesting help on this, as this reporting is hurting my financial ability to borrow/puchase, and my good standing with institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
At the XXXX week of XX/XX/XXXX, after some research, I had to open a police investigation as somebody opened a bank account under my name and, according to the procedure, I need to get my credit report from the XXXX credit bureaus so I can check for unusual activity and try to minimize the impact. 
On XX/XX/XXXX I contacted Equifax to get a copy of my credit report ( as I did with the other XXXX bureaus, XXXX and XXXX ), I did get a previous copy last year around the same date so, I was expecting not to be able to get it immediately online, as I do n't have a SSN but an ITIN instead, they told me they were unable to get me the report because I had to provide some documents they were missing and then transferred my call to a department called XXXX.. I sent a copy of my ITIN, copy of my Passport and a Social Security Administration Denial Letter ... they said they had to verify who I was ... I sent immediately these documents via XXXX and a week later via certified mail as they were unable to read them. On the XX/XX/XXXX I decided to check on the documents delivered by XXXX ... They told me they received the documents, that they were going to send me the report via regular mail in XXXX business days and even gave me a confirmation ID # XXXX, I never got the report. 
The next day, XX/XX/XXXX I received a letter on the mail ( with ID # XXXX ) saying that they received the request of my credit file but the provided information did not match their records ... they did want to verify my identity and current address ... I did contact the XXXX and provided my confirmation ID ... I ended talking to a supervisor who did talk to a " XXXX Department '' and came back saying that the report has been sent and to ignore the letter ... but I have nothing. 
Today XX/XX/XXXX I got an e-mail with another confirmation # XXXX and I did call, the lady I spoke to told me she was not able to open my file, because some documents were missing, I responded that I already sent them, she told me to contact the XXXX and ask why they did not update my file ... the response was the same or even worse ... the response of the rep was " we need a ssn '' ... Basically THEY ARE DENYING MY CREDIT HISTORY BECAUSE I CAN NOT PROVIDE A SSN but I know I can not get my Credit Score BUT my Credit History. 
I tried to report the people on their customer service but, the same people they have in these call centers are the ones who respond ... for example I reported this incident to them with ID XXXX and the response was : " Please contact our customer service department '' which is the same people who are unable to help. Its now a month since I started this request, I still have nothing ... I need to know why Equifax asked me to send very private information such as a copy of my Passport and ITIN if they are not able to provide me with the report??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I owe a HUGE outstanding amount on my student loans and somewhere along the way Navient stated that I was OVERAWARDED by my school at some point during my college years. However, my amount owed is still over {$260000.00} and I do n't understand how I got to that amount. In addition, I was giving forebearances even when I tried to make some type of payment arrangements and was told to use my forebearance and now I do n't have free time left to defer my payments that will be more than I can afford to pay. I also ca n't register for college because of the amounts listed with Navients as an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1981. Account Name : XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: FL
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 have sent two certified letters to Equifax requesting my free annual credit report. I sent a copy of my passport, my social security and as a utility bill, I sent my XXXX car insurance statement. I live with my parent and I do not have any other utility bill in my name. I am trying to change my address with the credit bureaus and Equifax continues to refuse to provide to me a copy of MY credit report. I have provided documentation regarding who I am using legally accepted methods. Unfortunately, I am unemployed and can not and furthermore, will never provide to a credit bureau, a copy of a paystub. There have been so many security breaches with the credit bureaus, that I am afraid to provide too much personal information. The fact that I have sent two requests via certified mail demonstrates the fact that I need to obtain and have the credit bureaus change my address to the new address I have provided. I need to receive and review my credit report because I also need to find employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I ordered a credit report from Experian for {$1.00} on XX/XX/XXXX. When I checked my credit card bill on XX/XX/XXXX, I discovered an unexpected charge for {$21.00} from Experian. I contacted the company the same day and was informed by the customer server representative that I was now enrolled in their Experian Credit Tracker program for {$21.00} and that they would not refund the charge. 

The customer service agent informed me that I was sent an email notifying me about the enrollment. I located the email ( in my junk mail folder ). That " notification '' omits any mention of a {$21.00} charge or any other charge whatsoever. 

On returning to the original Experian website, I discovered a difficult-to-read statement in fine print explaining that I would be charged {$21.00} monthly if I did not cancel within seven days. It is hidden away in small, gray type on the gray background of an otherwise brightly colored webpage announcing in enormous type : " '' What 's your FICO ( R ) Score? Find out now when you check your credit report for {$1.00}. '' This page is designed to mislead consumers, and in my case it succeeded. I actually thought I was ordering a credit report for {$1.00}. Silly me. 

It is impossible to cancel a membership in seven days when the consumer does n't know they are being charged for something. Since their own follow-up email does not notify the consumer of the charge, they are left in the dark until after the seven-day period expires. 
I neither requested nor want this so-called membership. 

When I spoke with the consumer service agent, on XX/XX/XXXX, she cancelled the monthly membership but refused to refund the initial {$21.00}. I asked to speaker to her supervisor, who also refused to refund charge. She referred me to an email address, and I sent them a written request the same day. On XX/XX/XXXX, an agent replied in writing again refusing to refund the charge. 

I believe Experian, dba Experian Credit Tracker, is engaged in a classic deceptive business practice. The company has a lengthy history of such practices, as I have since learned, addressed in the Credit Card Act of XX/XX/XXXX. 

I want a refund of {$21.00}, minus the {$1.00} fee they claimed I would be charged. 

Attachments : screenshot of Experian webpage ; " Welcome to Experian Credit Tracker '' email ; Email correspondence with " XXXX '' from Experian Consumer Billing Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Spring Equity LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a XXXX XXXX XXXX with SpringEQ on XX/XX/2022 in the amount of XXXX. During the closing process, the lender paid off several outstanding debts including a personal loan through XXXX 's XXXX ( account number XXXX ) in the amount of XXXX. However, this amount resulted in an overpayment in the amount of XXXX which was refunded to the XXXX XXXX, the title company which initiated the original payoff [ Check No. XXXX ] However, to date, I have not received a refund nor has the amount been credited back to my home equity loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 I reported to US Bank that my debit card had been stolen, and reported every unknown transaction. After that, they turned off my card, but my bank account still had it. Funding I tried to log in to my account using mobile banking and online banking to transfer the balance of the account, but it was not successful. On the morning of XX/XX/2021, when I tried to log in to mobile banking to transfer my funds again, the system prompts me that my login account has been XXXX and I can not access my account, but my account contains all my funds, including The third round of assistance is in this account. That is all my money. I can't use the digital bank. I can only go to the local bank for processing. But the bankers also told me that they can't do anything, nor can they get back the money in my account. Let me wait and wait until one of their departments finishes processing before releasing my funds, which annoys me very much.

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 2017-02-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and deleted but then reinserted.

Company response to consumer: Closed with explanation