BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 is XXXX XXXX XXXX I am 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 2020-12-19
Company: UHG, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX suing me for credit card balance that i didn't owed., original creditor ( XXXX XXXX XXXX XXXX ) received/adjusted payment because i was reported those Fraudulent charges made due to ID theft. and i send all the documents including ID theft report to XXXX but they ignoring my request to close the case. 

They ( XXXX ) made my life miserable. I am a victim of identity fraud. I didn't owe any money to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: MO
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:
On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Now that we were finally discharge from Chapter XXXX it did n't take no time for Caliber Home Loans to call me and harass me and tell me we owe for XXXX payment and XXXX payment XXXX. Our mortgaged payment is XXXX and we have been sending XXXX. We sent XXXX payment out the XXXX and they are saying we did not pay it. Also there asking for XXXX payment already and we just mail it. We have 15 days and they say we are a month behind every month. This is not right we have made our payments faithfully and the extra money we sent was for the modification that we though we had in XXXX and they fail to tell us after we were approve for it that they took it away. But they are saying we owe {$2000.00} which is a lie and then they said they will charge us a penalty every month for non- payment. Because according to them we are late even if we have 15 days to pay. I am sick in tired of XXXX, XXXX XXXX and now Caliber they are all evil and do n't care about the person only on how they can XXXX us over. We pay a high interest rate of 9.35 and they figure if they can say we owe nobody else will finance our mortgaged and they can take advantaged. We need this to be resolve again and taken care of as our payments are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to XXXX, XXXX and Equifax on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In 2014 I disputed directly with the Creditor XXXX XXXX XXXX XXXX XXXX an account that was reporting derogatory to the XXXX credit agencies. During this time XXXX VP of Operations sent me a letter stating that the account had been corrected. XXXX and XXXX did in fact correct my account to reflect my accounts as paying on time and current. However, Equifax has not. I have submitted numerous disputes and Equifax has not corrected the issue. The reasoning on the disputes states that the information has been verified with the creditor. Even after I have notified them and submitted the letter from XXXX XXXX XXXX they refuse to correct this. I have also contacted XXXX directly and they stated that Equifax has not reached out to them. I would like this matter resolved immediately as possible as this is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm tired of the bureaus ignoring me and not assisting me. I have inquiries on my file that I did not authorize and they are in charge of making sure that my file is correct and accurate. I reached out to them as well as the companies that put the inquiries on my file to no avail. I do n't understand why no one will assist me and the reply from the bureaus I receive is that inquiries are made when companies pull my file and are a matter of record. I do n't need an explanation, I need for them to be removed! I did n't make these inquiries, I didnt authorize them and they need to remove these immediately! 
Equifax unauthorized inquiries : XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over XXXX00 points because Experian is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open

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 2022-11-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient failed to advise me of different options other than forbearance! the interest accrued on the loans are more than the original loan provided for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, XXXX times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has never provided a full accounting of debt owed to the XXXX XXXX even though requested on numerous occasions. No invoice, statement, letter or electronic notice every provided to request payment. When I called and spoke with representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX, in XXXX XXXX, I was told to wait for reconciliation and notice to be sent ). Nothing was every provided. It was then reported to US Dept of Treasury XXXX a debt owed, US Treasury sent demand letter and I responded same day with payment and undeserved late fee, which was cashed on XXXX/XXXX/XXXX from my bank account. They then reported on XXXX/XXXX/XXXX that I was 180 days late on a federal debt. When I called, they could not locate payment, or evidence of request. They will not remove or correct, and insist on additional payment even though I have proof of an on time payment. They continue to report this fraudulently even though I have asked them to cease and desist. I have offered to pay in entirety if they would provide full statement or any other accounting of funds due - they refuse, and continue to misreport the debt on my credit. The only document ever to request payment was from US Treasury was on XXXX/XXXX/XXXX and I responded with payment immediately. This is a gross mis-representation and jeopardizes my credit and employment. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Other fee

Complaint:
XXXX credit cards that I paid off in full sent me a bill for interest after I paid off the balance. I called both companies and both of them just simply reversed the charge ( much to easily, in my opinion ). While that is all well and good, I ca n't help but wonder, how many people just pay that bill? It seems to me that this is somehow fraudulent or at the least a very sneaky way of getting money from unsuspecting consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in XXXX year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX XXXX XXXX XXXX XXXX Il XXXX And XXXX XXXX XXXX XXXX XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX XXXX via XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX and XXXX 9.XXXX Bank Delaware 10.XXXX 11.XXXX 12.XXXX XXXX 13. XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX 16XXXX XXXX 17.XXXX XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help XXXX, Equifax and XXXX. all let me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2010, My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) Equifax, is refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Equifax continues their noncompliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )

Company response to consumer: Closed with non-monetary relief