BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 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 2023-02-12
Company: EQUIFAX, INC.
State: FL
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:
This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX AI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % 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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX, XXXX. XXXX. 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 XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-02-10
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX payday loan around XX/XX/2020. Unbeknownst to me, they are charging me 700 % interest every other week. ACH payments of payments XXXX are being deducted from my bank account. I read complaints from XXXX  and other consumers are going through the same. Also the company is not willing to work out a solution because they are under some tribal immunity from adhering from our state laws regulating caps on percentages. Well I feel like if I am not a member or governed under their reservation of laws then this loan should be illegal. I am willing to pay the principal back on top of the XXXX they have already taken out. I wish the government would step in stop this form of practice that the Indian tribal reservations have set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan service or XXXX service. The loan service was contacted on XX/XX/XXXX for 41 minutes due to not being able to log in to my account on either the app or website. After re-setting my password and re-registering my account twice the tech support was not able to help me and I was told I would receive a phone call in a few days with other solutions. I never received a call but tried to log in a week later and it seemed to work. 

Saturday XX/XX/XXXX. Customer service called about login problems with same error message and was on the phone for 30 minutes with no resolution with payment due on XX/XX/XXXX. Was told my problem would be forwarded to Tech support and they would get back to by by Wednesday and my payment would not be considered late until XX/XX/XXXX. 

Today, Thursday XXXX, I still had no word from tech support and numerous login attempts and password re-setting later, I contacted the customer support line again. I was told to reset my password with the same directions as previously failed with error message " Problem occurred trying to validate credentials. Please try again. '' I was transferred to the tech support team, had my account deleted twice and had to re-register twice. The second attempt was successful. Asked the support woman to stay on the line while I made a payment ( she did not ) and then logged off and attempted to log back on the my account ( after making a payment ), and was given the same error message. All of this took another hour of my time and has yet again failed to maintain my ability to make payments or log on to make sure my land taxes came out of my escrow account later this month. 

Although the gentleman that originally helped my on XXXX was kind and helpful, there was no follow through. The woman from tech support today was rude and condescending with accusatory tones that somehow my ability to login to my account must not be the companies fault since they could not see anything on there end that would cause such a problem.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX and Transunion is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
XXXX, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards XXXX, XXXX XXXX XXXX Credit Card # XXXX, XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX balance {$200.00} My credit score with XXXX should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Auto XXXX XXXX 

XXXX is violations of Federal and State Laws and violations of my ADA XXXX  Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.

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 2022-10-06
Company: The Law Office of Nicole Hillman
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with XXXX  XXXX in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with 10 percent post judgement interest. In XXXX the company hired an attorney Nicole Hillman. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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:
one inaccurate student loan is located under my name under equifax credit reporting agency, this  inaccuracy is causing me my SSi check that i receive. 
i spoke to them many times and disputed several times they keep coming back and saying it has been verified, i never ha student loans ever, i never went to school ever. please find attached my police report and FTC report which i provided equifax as well. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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 status incorrect

Complaint:
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

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 2018-08-28
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:
Transunion removed an account from my report because it was fraudulent, and they illegally inserted this same account back onto my 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 2023-12-15
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to express my extreme dissatisfaction and utter disbelief at the ongoing incompetence demonstrated by your agency in handling my credit report. The persistent existence of fraudulent accounts under your watch is not only intolerable but calls into question the very competence of your organization. 
XXXX XXXXXXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!! 
This marks the umpteenth time I am disputing the presence of fraudulent accounts on my credit report. It is beyond comprehension that your bureau, entrusted with the responsibility of maintaining accurate credit information, has allowed these fraudulent accounts to continuously tarnish my credit history. 
I am left to wonder about the quality of work being done at your agency, as it is abundantly clear that the basic task of ensuring the accuracy of the information you report has been woefully neglected. Cease your ongoing failure and promptly remove the fraudulent accounts. I expect this correction to be made without any further delays. 
The presence of these fraudulent accounts on my credit report not only damages my creditworthiness but also erodes any trust I may have had in your agency 's ability to perform its fundamental duties. This is an egregious failure that requires urgent and decisive action.

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 2023-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Pra Group XXXX from XXXX, XXXX  keeps collecting on debt that I don't owe. Calling me on the phone, and mailing me. Everytime I speak the company it's XXXX XXXX american women. The Bank XXXX XXXX debt is old from XXXX XXXX. We tried the debt via the court system, and I don't owe per the judge. XXXX XXXX XXXX XXXX judge XXXX. Case from ( 2015 ) I think there is a health problem with the business because the case was tried in 2015 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 BMO Harris XX/XX/2022

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 2023-01-31
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In my previous complaint, XXXX, I experienced issues with our escrow account, which still appears to be incorrect. 

I scheduled payments to the mortgage company, in order to catch up. However, we are still being XXXX by XXXX 's independent contractors- which appears to be evidence of fraudulent activity. There are unauthorized individuals posting notices to our door, while I am at work. 

Today, XXXX XX/XX/2023, we were home and the Loancare XXXX Representative ( a woman ) walked up to our door, DID NOT KNOCK, and just posted this notice on our door. 

Here is the link to the video : XXXX XXXX XXXXXXXX Again - calling the number on the form, does resolve the problem. When calling the number on the letter ( which is posted with scotch tape this time, to my front door ), there is no response from XXXX Loancare. 

When I spoke with XXXX XXXX, Senior Client Liaison with XXXX Loancare, she indicated that this process would be reviewed and corrected. It has not. 

Finally, the escrow account is still wrong. According to Loancare, we have a shortage of {$650.00}, which is not possible since there was a {$7700.00} credit on our account from DC Government.

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 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to Bank of America in XXXX TX ( XXXX XXXX ) on today to cash a {$1500.00} Check that was given to me by an organization. I '' m not a member of BOA but I had proper identification. I was told by both the teller and Supervisor ( XXXX ) that I coud n't cash the check and they couldn't tell me the reason. I was told to go back and get another check from the organization but I had no information to take back to the organization in order to ask for another check. I went down to another BOA location where the check was perfectly fine & cashed. I then went back the previous location to find out why they werent able to cash the check but the other location with the same system could. I was told that they should not have cashed it and still no reason given. I felt like this was definitely an act of XXXX discrimination and profiling.

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 2019-01-04
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe XXXX

Company response to consumer: Closed with explanation