BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.

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: Reliant Capital Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monday I called Reliant capital solutions XXXX XXXX XXXX they say I owe XXXX But my student loan is XXXX they say its interest but its XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
What is this XXXX? Equifax XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX It 's complete XXXX They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this siteXXXX into a scam to drive people to their pay sites! 
Internet Delivery Unavailable - Mail-in RequestWe 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 


Request by MailTo request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX Request ServiceXXXX GA XXXXPlease include with the attached form a copy of XXXX item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

IdentitySocial Security cardPay stub with Social Security NumberXXXX formAddressDriver 's licenseRental or lease agreement/house deedPay stub with addressUtility bill XXXX gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, XXXX forms XXXX. To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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 XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had argued with XXXX XXXX  about the defective security system that they installed and would not let me out of the contract. The system was constantly being tripped by hackers and I received a bill of over {$3000.00} from the City of XXXX XXXX for Security Checks on an alarm system that was reported to the City.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions 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 was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Nelnet, 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:
I just got off the phone with GLESI, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

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: 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:
Equifax , Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders were able to access names, Social Security numbers, birth dates, addresses, driver 's licenses, and possibly credit card numbers. Equifax 's records indicate that my information was at risk. When I checked with Equifax 's records, I was asked to opt into an agreement whereby Equifax would offer free credit-file monitoring and identity-theft protection in exchange for my waiver of a right to file a lawsuit ( whether individually or as a member of a collective or class action ) against them. I declined to accept those terms. I am concerned that Equifax 's lack of proper security may have allowed bad actors to acquire my personal information, and as such, my information may now effectively be public data. I am also concerned that Equifax did not announce this data breach until just  recently, and the company has not taken steps to contact affected individuals like myself directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Law Offices Howard Lee Schiff, P.C.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from XXXX XXXX XXXX not there law office. 
Again they refused to work with me. I need a letter from XXXX XXXX XXXX say the debt has been paid. Not from Lee shift pc XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-27
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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
There are several bankruptcy filings on my Transunion credit report that are not authorized as being reported on my credit report. Transunion LLC and XXXX XXXX are violating 15USC 1581.2. 

The United States Bankruptcy XXXX XXXX XXXX XXXX Georgia has provided information to XXXX XXXX and they are reporting it on my credit report without my permission. As of XX/XX/XXXX, XXXX XXXX have been required to suppress all of my information from XXXX XXXX products and services. Unfortunately, that has not happened. After disputing the unauthorized information on my Transunion credit report on XX/XX/XXXX, somehow XXXX XXXX continues to provide suppressed information to Transunion. After confirming that the bankruptcy court has provided this information to XXXX XXXX, I demand that all information from the following cases be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX My other credit reports have been purged from this information, due to suppression. However Transunion LLC continues to report this suppressed information and therefore they are in violation of Federal Law. Please remove immediately or further action will be taken with the XXXXeorgia Banking Commission and Federal Trade Commission.

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: 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report.

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 2022-02-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2022-02-12
Company: EQUIFAX, 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 do not want this complaint to be transformed into a request for contestation. I've already done it. I want this information DELETED by the FCRA. The offices had MORE THAN A YEAR to solve this and they failed. Now is the time to DELETE the accounts according to the FCRA. Please do not close this complaint without resolving it completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had filed a previous complaint XXXX about my United Wholesale Mortgage loan number XXXX which prompted a response from XXXX XXXX XXXX Director of Consumer Affairs at UWM on XX/XX/XXXX, but they have not only failed to return the {$1000.00} in overpayments they have collected in error, they neglected to inform XXXXXXXX  their third party servicer to stop drafting the increased amount, and on XX/XX/XXXX, {$1800.00} was taken from my account. I confirmed today with XXXX at UWM that they received a refund from the overpayment of taxes and have credited my account on XX/XX/22 for {$1800.00}, but they have not refunded the {$1000.00} in overpayments they have taken from my account since this error. I have made several calls to XXXX and UWM since receiving the XXXX 'd letter from XXXX XXXX and although they have returned {$370.00} for the late fees and penalties they created by paying my taxes late, they have not returned my {$1000.00} or adjusted my payment. I should not have to wait for the return of my money, and I would like assistance in expediting the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EOS Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was closed in XX/XX/2019 and then new account was opened by XXXX. 
I paid debt in full prior to this. I repeatedly told the representative to not close account because I didnt not have issue with my current contract. The representative insisted it was in good standing and paid in full. By opening a new account without my consent this inherited a debt that I was fraudulently charged for. Ive asked numerous times for phone transcripts and either I get hung up on or denied information. I am requesting phone transcripts and detailed information concerning this account legally how can they refuse but yet still demand money?!

Company response to consumer: Closed with explanation