BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: NAVY FEDERAL CREDIT UNION
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:
Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed NAVY FEDERAL CR UNION to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with NFCU, but thats not worth anything to these companies?!? Its wrong that large companies like NFCU can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
No consent is identity theft. I, XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from listed inquiries. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Transunion believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of these transactions.

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 2019-01-14
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX  which use XXXX  as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically XXXX, Transunion, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Transunion is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

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 2019-09-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX CARD account number XXXX and the XXXX CARD account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: IL
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 submitted letters since XX/XX/XXXX certified mail to Experian to dispute the wrong reporting of a an account on my credit report. 

I filed a CFPB complaint on XX/XX/XXXX as well and they commented on the CFPB complaint they will submit within 30 days investigation and result to my complaint, we are XX/XX/XXXX and i haven't received anything nor see any update and removal of the account on my report. 
I am therefore requesting IMMEDIATE REMOVAL as they violate my consumer rights! its affecting my credit worthiness I work very hard to keep at excellent level! it is affecting me greatly. 

I am attaching again all the proof that all other reporting agencies have found the reporting inaccurate and removed it properly from my report. see all the proofs

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX engaged XXXX XXXX XXXX or XXXX XXXX XXXX in XX/XX/XXXX for managing and producing their XXXX annual expo in XXXX XXXX, FL. Throughout XXXX, substantial funds were provided to ensure the event 's success. However, the agency neglected to disclose their relocation outside Florida. XXXX XXXX XXXX, the co-owner, declined to furnish invoices detailing fund allocation when queried. A week before the scheduled event XX/XX/XXXX, the agency vanished, reappearing briefly just before XXXX XXXX XXXX announced the event 's postponement. Three days before the rescheduled date ( XX/XX/XXXX ), the contracted company canceled, breaching their obligations. Attempts to recover funds from Bank of America yielded partial notices, stating their inability to recover the funds and advising contact with the company. Despite XXXX XXXX XXXXXXXX XXXX attempts to resolve matters, no resolution was achieved. Complaints were filed with the FBI, FTC, and local authorities. The next steps include seeking legal counsel and pursuing a civil lawsuit against both the agency and Bank of America. 

XXXX Claim References : XXXX XXXX XXXX DEBIT Claim Reference : XXXX

Company response to consumer: In progress
Consumer complaint received 2021-09-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been sending me collection notices in the about ( XXXX $ ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Paypal Holdings, Inc
State: NY
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:
Hello I keep getting harassed by XXXX XXXX XXXX about money I owed to paypal which was the creditor which was fraud and never authorized by me which paypal knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX and any other companies.

Last year I had spoke to paypal a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my paypal I had closed to avoid this from growing. Paypal was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with paypal. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe paypal XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-06-16
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

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 2023-03-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
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 violated my rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2019-01-14
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Depot is taking my home through a foreclosure sale date scheduled for XX/XX/XXXX, even though they have never taken a look at helping me with my mortgage. I have an FHA mortgage loan and I am so frustrated that they have not helped me, even though I believe there are government programs available that would provide my loan with mortgage assistance. I have lived in my home since XXXX and want to spend the rest of my life there, but I am going to lose it because I can not get a review started on my mortgage loan. Just over two years ago I had a tenant who stopped paying rent and I fell behind on my mortgage payments. I am retired and am dependent on my rental income to pay my mortgage and other bills. After I fell behind on my mortgage I had hoped that they would work with me to get my loan back on track, but they are just standing still without providing any sort of mortgage relief. They have never reached out to me work out some sort of mortgage assistance. I never had a single point of contact nor I had I received any sort of communication from them that would show their interest in helping me with my mortgage. It took me quite awhile, but recently I finally got back on my feet financially and desperately work with them. I am very afraid that Loan Depot isnt willing to help me and is taking me through the foreclosure process instead. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me with my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted XXXX, TransUnion and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. XXXX was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer 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 2022-06-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-01-14
Company: Dovenmuehle Mortgage, Inc.
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: Account status incorrect

Complaint:
My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I've trying to pay my mortgage online as ( I have for years on time ) for the last week and the loan servicers website is down and has been for several days. After doing some online research, it is apparent that the loan servicing company has been hacked into. That's a whole nother issue involving the potential for my sensitive information being stolen. My immediate issue is that I can not pay my mortgage on time if their website doesn't come back online before the XXXX of XXXX. I have never missed or been late on a payment and am concerned that my credit score would take a hit and show as a late payment through no fault of my own.

Company response to consumer: In progress
Consumer complaint received 2020-06-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened a loan account for a car loan, changed my car within 3 days, and created another loan account for a car loan. I have paidoff my car loan in full, and my experimental credit report shows that the first opened loan account is still in balance. This is bad for my credit score. Please check the information and send the correct information to Experian

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