BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2017-03-16
Company: Debt Management Incorporated
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
co doesn't take pymt over the phone, when i call the the # on the statement to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Had unknown inquiries 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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: 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX .... & Account number 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX have 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 : Also states a consumer reporting agency can not furnish an 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 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-09
Company: EQUIFAX, INC.
State: NJ
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:
Using an external service ( XXXX XXXX ) I found out that my score was no longer updating since XX/XX/XXXX. I reached out to their customer service team ( Approximately XX/XX/XXXX ) and was told that it was due to an issue with Equifax. I contacted Equifax via phone and was told to create an account as to confirm the information was correct in addition to assisting with the original issue. I was unable to create an account due to an error code XXXX  ; to assist with all issues I was told that I had to submit information to the company which could be done via fax or sent by physical mail. I originally sent a fax on XX/XX/XXXX with the requested personal info ( cover letter, pay stub, government ID ). From XX/XX/XXXX to XX/XX/XXXX, I spoke to the customer service team and was told that they did not receive any information and to resend the info. On XX/XX/XXXX I decided to send the information via physical mail that could be tracked. From XX/XX/XXXX ( Date documents received ) to XX/XX/XXXX, I continuously contacted customer service in regards to the documents ( the faxed in addition to the mail documents ) so I may move forward in the process and solve my issues. I called customer service via my personal cell ( XXXX ), these calls took approximately 35 including hold time and other factors ; the total amount of call was approximately 30 times. Since the final calls that I have had ( approximately XX/XX/XXXX ) in which I spoke to a manager about my issues ; I was told that none of my documents have been received and to send my confidential documents again. The sending of the documents and speaking to the customer service members was done on my own time as well as money, there has been no contact or resolution as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX  and they have failed to comply with FCRA guidelines!

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 2022-04-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send {$2000.00} to my sister last XXXX XXXX using the Moneygram it was supposed to go to her bank account but the problem was her last name was incorrect but her bank account was right. After 2 days I called the money and amended the problem fixing her last name and they told me that it would take XXXX business days so I waited for 7 days and I called them back and they told me that the money was send to her bank account but when my sister went to bank they told her that the money was not deposited in her account so I called the Moneygram and asked them where is my money and they said it was refunded through my bank account so I called my bank and I told them what was going on with my money so we filed a resolution because money told me that my money was refunded XX/XX/2021 but no money was deposited in my bank account. My bank and I flied another resolution but I am getting the same answers my told me to resolved the issue with Moneygram but when I called the Moneygram they told me that I had to called my bank institutions because they deposited it backed to my account but when I asked them to give the transaction number they said they are not allowed to give it to me. Its been so stressful in my side that the money I asked for a refund until today they never give back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: HOMEOWNERS FINANCIAL GROUP USA
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX, I started to build a house with XXXX XXXX. They could not do my loan because my business was just recently opened, so they referred me to XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got XXXX XXXX as my loan officer. In XXXX XXXX XXXX, once interest rate started going up, I decided to lock my rate, I put down ~ {$5400.00} as a deposit for lock rate extension. Fast forward, last month, XXXX XXXX started to collect my documents to get ready for the closing date on XXXX. He asked for 2 months bank statements, the last rental statement ( the house was rented out in XXXX ), and profit and loss statement from my business. He also gave me options for interest rate of 5.75 % ( which I was locked for ) and 6.5 %. At the time, I was already got approved from Home Owner Financial Group. 1 week after XXXX looked at all my documents, his concern was about my last rental payment of {$1900.00} ( it was {$3300.00} before ). He was worried about the high debt ratio that would affect my approval to the loan. On the other hand, he kept pushing me to pay for the appraisal. I got so confused, I wrote an email asking if my rental will affect my approval to the loan, and if he can send me decline letter. He called my next day and telling me that he will not give me the decline letter and I am approved regardless my high debt ratio. He was so rude and unprofessional, I told him I would not want to pay for the appraisal on a situation like this ; what if I would not get approved by the under writer and loosing my appraisal money. He told me to send in a new lease agreement which I do not have since I have no tenants at the moment. All he cares about is to move forward with my loan and put me to a situation where I can not get my deposit back and loosing my appraisal. On the other hand, he never sent the loan estimate which I kept asking for 3 times ( XXXX time via email, 2 times via phone calls ) He only provided emails in which some of fees included. This is totally against the law, not to mention about giving approval without taking a look at my file after knowing my tenants broke rental contracts. This is totally a FRAUD and SCAM. Please assist with this situation. I want my deposit of lock rate extension back. They are desperate of making money but not putting heart and professionalism into their work. XXXX even yelled at me in the phone. SO UNPROFESSIONAL, RUDE, AND LACK OF KNOWLEDGE. Never recommend them to anyone.

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 2022-04-26
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for 5X points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all.

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In 2018 I had a bank account with Bank of America there were multiple charges done to my bank account that came over {$1000.00} and the bank refused to give it back to me. They said because I had the bank mobile app I shouldve realized it but at the time I had a large amounts of money being deposited in my account, and then money was going in and out, and my mother had just passed away, and I didnt know how to use the app I was still new to 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 monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery is violating my consumer rights by furnishing inaccurate information to XXXX that is not even on my XXXX or XXXX. This defamation of character has led to me being a victim of unfair, abusive, and deceitful debt collection practices. On XX/XX/XXXX I sent Portfolio Recovery a letter to comply with 15 USC 1692g and they have not. I am enclosing a copy of the letter I sent to them, a copy of inaccurate information furnished to consumer report and a copy of my drivers license as proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On XX/XX/21 I started the paperwork of getting a loan for a XXXX XXXX. Because of proof of insurance and the down payment amount of XXXX I was denied the access to complete the application. Along with no being able the read my uploaded driving id. After I asked about operating under truth in lending he still told be I needed that cash transaction on a consumer credit transaction which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation