BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
At XXXX, after waiting 12.5 months since our last Equifax reports from XXXX .... '' Internet Delivery Unavailable - Mail-in Request. We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. To 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 : Annual Credit Report Request ServiceXXXX, GA XXXX '' This seems to defeat the whole purpose of keeping my SSN and other personal info out of the US Mail stream where it is easily stolen. Why?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft before and now the situation has occurred again. I have not opened any credit card accounts since the last time I had this issue.

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 2016-06-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
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:
For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on 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 explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Beginning in XXXX, a Public Filing Entry of a State of Idaho Tax lien was noted on my Credit Report with all three credit reporting bureaus. The lien is not and has never been mine. Both XXXX and XXXX, much to their credit, did remove the notations soon after I provided them with the same documentation that I provided to Equifax. Equifax howver did not remove the error in spite of my having provided them with not one, but two separate letters from the Idao State Tax Comminsion clearly affirming that the lien was not mine ( copies of those letters annexed to this statement ). My Equifax dispute number XXXX was filed on XXXX XXXX, XXXX. I just called Equifax today ( XXXX XXXX, XXXX ) to check only to be again be told that after a thorough investigation that the lien is in fact mine, this in spite of my having provided them with the aformentioned letters. I just filed Equifax dispute # XXXX after being told that the lien would not be removed. Frankly, I am growing weary of dealing with these people and so ask that your agency look into the matter. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: M&T BANK CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: WELLS FARGO & COMPANY
State: OH
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:
UPON THE SETTLEMENT AGREEMENT. XXXX XXXX  WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE WELLS FARGO DEALER SVC ACCT # 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 2016-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern, I am writing to dispute the negative credit report from XXXX XXXX XXXX, an affiliate ( dba ) of XXXX XXXX XXXX XXXX. The dispute is in regards to their unauthorized and fraudulent billing, unauthorized charges to my credit card and bank account, and fraudulent contract. I 'm requesting that the item they reported to XXXX, Experian, and XXXX be removed and corrected, my credit rating restored while an investigation proceeds, and no future reports be allowed from their company and/or affiliates on my personal or business credit reports. The parent company has a history of this same fraudulent business practice, and a lawsuit was filed in XXXX XXXX by New York Attorney General XXXX XXXX XXXX to which they settled and paid fines and restitution. The company has continued their fraudulent business practices and were recently sued again by the same New York Attorney General XXXX XXXX XXXX in XXXX XXXX. These links are both attached to support my position. 
Sincerely, XXXX XXXX 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 2015-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpaymentof the deductible. I never recieved a bill after my operation. I have no idea why this is in collections they should bill the insurance company ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Transunion credit report. The credit report showed a hard credit inquiry by XXXX for XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, & XXXX XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I called XXXX and spoke to a Supervisor named XXXX # XXXX. She informed me that the issue was going to be addressed and resolved. Unfortunately the mentioned hard inquiries are still appearing on my credit report. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.

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 2017-04-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have requested the terms of my original promissory note to be provided and Navient has refused to provide the documents corresponding to my original promissory note. I have requested a payment reduction. After being told I qualify for a different repayment plan and going through the efforts to provide detailed financial information, I was then told by Navient that I do not qualify for any payment reduction despite experiencing a financial hardship. They have refused to extend an extended repayment plan or an income-based re-payment plan. I am still in school completing a XXXX and they have refused to allow me an in-school deferment. Finally, I have requested the process by which I can apply for a reduction in interest rate or refinance given my now existing excellent credit. They refuse to give me any information about how I go about requesting a rate reduction. First I am told that I can apply. Then, I am told that I do not qualify yet they can not tell me the criteria by which one qualifies. I have also requested a release of co-signer and they refuse to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/XXXX or XXXX my account was put on hold. I was told it was due to fraud. I left several messages and was told that someone would get ahold of me. I would call every week that would pass to complain that I have not heard from anyone yet. I even sent them by email paper work to show the money was mine and had every right to it. I even explained that as a XXXX XXXX I have lost tons of my due to not being able to access my money. It's now been 1 and a half months. This PPP loan was supposed to help my business get back on track and instead it put me deeper in the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
Add Remarks to my XXXX XXXX XXXX  closed account. 
A ) was attempting to catch-up on payments before account was closed, all attempts to do so was rejected by the bank in a rude manner. 
B ) was harrassed by a collection agency hired by XXXX XXXX XXXX to collect on past due amount, but the a higher amount was asked. A FDCPA violation. 
C ) repossession company breached the peace by entering the house unannounced and making demands. 
D ) still charges interest on this closed account to make it look like I haven't made a single payment in the accounts history.

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 2015-10-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!

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 2021-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has reported my account late when it has never been late. The funds come out of my account every month through ACH transfer on the XXXX and XXXX of every month. I provided them documents to have them correct it but they still havent made corrections. Can you please assist me?

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 2021-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery called my phone 18 times between XXXX XXXX and XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX and Experian do not honor the FTC laws related to the removal of fraudulent credit items. XXXX  customer service is primarily outsourced and most do not have a clue about proper procedure. Experian is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?

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 2021-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern I am XXXX several disputes to Experian XXXX and XXXX about these hard inquiries that have been placed on my credit report due to XXXX XXXX activity I have been a victim of identity theft for the past seven years and I have also locked up my social security number and they'll still let people do inquiries on my account when it is locked I have complained to this company I've complained to all 3 bureaus and nothing has been done if you look at my credit report I have no credit 's all of my debts which I really have none I just took out a lease lease the car I'm up to date on my payment I don't have not ever

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 2016-08-03
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief