BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Nelnet, Inc.
State: MD
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
I have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have an alleged XXXX account for XXXX on my Equifax credit report.I have disputed this account several times with Equifax as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Equifax credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Equifax is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Equifax responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

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 2015-09-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account it wont allow me to open a checking or savings

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 2022-05-30
Company: Experian Information Solutions 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX/XXXX/2010 & reported to Transunion, Paid on XX/XX/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. 
Please correct. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: ADA Brown LLC dba Star of Texas Financial Solutions
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from star of Texas in XXXX since then I been having financial issues and struggling to pay it back my phone was disconnected etc I received a email from Star of Texas today and this is what it said by XX/XX/2022 we will file fraud charges with XXXX XXXX XXXX. Because I havent made a payment also the card they have on file is invalid because I got a new one due to the other one being compromised and totally forgot to update it. I have been threatened and intimidated by star of Texas of charges of fraud because I have not made any loan payments which is totally crazy that they would go to stuff low depth to get a loan payment from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: OneMain Finance Corporation
State: AL
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: Problem with personal statement of dispute

Complaint:
I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. OneMain Financial was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided XXXX and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
filed dispute notifying Transunion that payment with XXXX XXXX XXXX XXXX has never been paid late. also advised them that information was previously corrected and updated to show no late payment ; faxed documentation to Transunion to as proof that payments were not late ; Transunion in turn responded that information was updated, but late payments remain ; I 've called Transunion repeatedly only to be hung up on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Exeter Finance Corp.
State: LA
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 XXXX  Account # XXXX Exeter Fin, Account # XXXXXXXX XXXX, and Account # XXXX Child Supp 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?

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