BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: AVANTE
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by my mortgage company Rocket Mortgage on XX/XX/XXXX by XXXX XXXX about refinancing my loan or borrowing money against it but I declined. Then XXXX called me again on XX/XX/XXXX to pressure to borrow. Then on XX/XX/XXXX Rocket Mortgage Banker XXXX XXXX started calling, texting and emailing me pressuring me to refinance my existing loan. He committed mortgage fraud by misleading me that my current interest rate was 6.2 % on 24 years and to pay {$4800.00} in closing fees to refinance to 5.99 % on 15 years while doubling my monthly payment would be best. My loan is actually currently at 2.99 % on 24 years and I have already refinanced this loan with Rocket twice in 4 years. I started the procedure but on XX/XX/XXXX I figured out the scam and I contacted Rocket in writing to XXXX XXXX stating to cancel my loan request. I also told XXXX this on the phone the same day. All my requests were ignored and I was ambushed with calls and texts from Bankers XXXX XXXX, XXXX, XXXX, and XXXX XXXX pressuring me to refince the loan. On XX/XX/XXXX XXXX called me and was told to cancle the loan and stop calling me. He immediately called back 30 seconds later. No matter how many times I requested to not be contacted and stop the loan application Rocket would not take no for an answer and cancel the loan. Rocket was named and lost a class action lawsuit in XXXX for this very practice. I was forced to file a XXXX XXXX XXXX complaint just to get the loan cancelled and the harassing sales contact to stop. After the XXXX complaint XXXX XXXX from Rocket responded that the bankers did not make the alleged statements but the contact would stop. All calls are recorded with Rocket so this statement is false. I would like for Rocket to stop contacting me and be prosecuted for the mortgage fraud and XXXX XXXX to be terminated and prevented from committing mortgage fraud to future clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I inquired with BB & T about forbearance on my VA backed mortgage, with the thought of keeping it as an option in case my financial situation took a downturn. I never actually accepted the forbearance, and never heard back from anybody after my initial contact. I found out my mortgage was put into forbearance without my knowledge when it was reported to the credit bureau and my score dropped XXXX points overnight, putting me in a very bad spot ( Im a XXXX Veteran and in the process of modifying my home to suit my XXXX ). Attempts to resolve the situation with BB & T have gotten me nowhere, with the only information given to me by a representative named XXXX, who informed me I needed to write them a letter XXXX but could not provide me an address to send the letter to ), and then wait 15-30 days for a response. She also told me that if it was reported to the credit bureau, it was by mistake as I have never missed a payment, but again offered me no options to remedy the situation. I was told supervisors do not take calls. In short, my mortgage is in forbearance and being reported as such, though Ive never missed a payment, and I have been given no options to remedy the situation or even to continue making payments ( I was told I cant make payments while in forbearance ). I need this resolved ASAP, as my physical well being depends on it.

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 2023-05-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services bill for {$35.00} and they did not indicate if this is actual my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX has violated my ri

ghts. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-10
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to bring to your attention certain outdated personal information that is currently present on my consumer report with your agency. I kindly request that you take immediate action to remove this outdated information from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my consumer report and noticed that some of the personal information listed is no longer accurate or up to date. The outdated information includes : I understand the importance of maintaining accurate and current information on consumer reports, as it directly affects my ability to secure credit, loans, and other financial services. As a responsible consumer, I believe it is essential that the information provided by credit reporting agencies accurately reflects my current circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry 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 2021-03-08
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:
Experian has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from Experian. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

Experian job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and Experian makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX  and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.

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 2022-02-01
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: Was not notified of investigation status or results

Complaint:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Navy Federal Credit Union is in violation of of my consumer rights only signed under Title 15 Chapter XXXX. Navy Federal Credit Union is violation of the Truth in Lending Act, and Equal Opportunity Credit Act, as I was discriminated against in regards to a consumer credit application for a used vehicle. XXXX and 15 USC 1691 states I cant be denied on an application if I exercise rights under Title 15 Chapter XXXX which is discrimination of character. I am being discriminated against for something Navy Federal Credit Union cant give me, nor can see, touch, smell, nor taste. Banks do not have the power to loan money or give out credit as they are a fictions entity. 12 USC 1431 clearly states the powers and duties of the bank, and Title 15 Chapter XXXX in no way shape or form defines the term loan or borrower therefore can not the application and myself can not be referrenced as such. Navy Federal Credit Union is denying my consumer credit application based on a credit score which is nothing but a debt calculator and have addressed their decision letter to a XXXX XXXX XXXX which is a corporation. I am in fact a natural born person, flesh, blood, and spirit under the most high and do business as XXXX XXXX, XXXX. How can Navy Federal Credit Union deny my right to my own credit when they dont even know who they are giving the credit to? I am not a dead man nor corporation, XXXX created natural persons ( living beings ) not corporations ( dead entities ). Navy Federal furnished a generic application/contract which must contain adequate and full disclosure pursuant through federal law. Every contract pertaining an automotive vehicle contains the promise that I have already given the bank or dealership the security interest for the vehicle and all pets or goods in the vehicle ; all money or goods received for the vehicle, all insurance, maintenance, service, or other contracts we finance for you ; all proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This would secure payments of all that is owed on the contract/application. Attached is a sworn affidavit of truth which is a law binding document, that must be met with documentary evidence and a sworn statement rebutting the facts within. A cookie has been mailed to Navy Federal Credit Union XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-01
Company: National Credit Systems,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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.

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