BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: OR
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:
my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that XXXX in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX on credit for the wife and i.

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 2022-12-05
Company: EQUIFAX, INC.
State: PA
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:
After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$7600.00} with a derogatory payment status, equifax is reporting a balance of XXXX with a current payment status and, Equifax is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
NAVY FEDERAL CREDIT UNION has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). NAVY FED is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

NAVY FED knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned.

NAVY FED does not have my permission in writing or verbally to report information on to my federally protected consumer report.

I have informed the CEO several times of their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a consumer filing this complaint against Transunion because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Transunion has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

XXXX. Account Name : XXXX XXXX XXXX GEORGIA Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Transunion written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
Transunion has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

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 2023-08-10
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I try to get a loan with XXXXXXXX XXXX XXXX, everything was gone well. the company ask for hundred. documents, everything the company ask I send right a way. 
when I star to send the documents the company ask me, like a nedd to make a deposit for XXXX XXXXbut the company said a soon the prosed was finish the {$500.00} dollars was return to me.the company take more and more time, the 50 days. The day I suppose to signs aging ask for more documents I was angry bcs i was send before the same document 3 or 4 weeks before, whatever the company continue.to take more and more time, I was angry for that, so I decided to cancel everything.Then I ask to return my deposit of {$500.00} company refuse to return my money.the only explication was that the money was for make evaluation of my house. Was like little. Trick.I try many call but alwys say the same.I need my money back.and I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MA
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 created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into Experian and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with Experian and the Consumer Protection Bureau is a loan called U.S. Dept of EDXXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called Experian this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.

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 2018-07-18
Company: WELLS FARGO & COMPANY
State: GA
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 write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. WellsXXXX XXXX XX/XX/2017 not mine.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP

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 2023-06-05
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: Old information reappears or never goes away

Complaint:
Trans. Union has been reporting XXXX XXXX XXXX as a delinquent account for longer than seven years. XXXX XXXX reported the auto loan as delinquent 30 days in XX/XX/XXXX. TransUnion continues to report the account as negative which has been longer than seven years. I am requesting TransUnion to update my credit report with correct information. This account has been reported negative and delinquent for longer than seven years. The original removal date for this account was XX/XX/XXXX and that date has since been pushed back to XX/XX/XXXX and Im not sure why. All other credit bureaus have corrected this information with the exception of trans Union.

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 2022-05-19
Company: Avant Holding Company, 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: Reporting company used your report improperly

Complaint:
On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX Avant/ Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Not updating my credit report and I don't see my scores, and delete all errors

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 2022-05-19
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have someone using my social with my maiden name XXXX. I am XXXX as of XX/XX/XXXX. They have tried to open checking accounts with XXXX XXXX XXXX and XXXX XXXX. I have filed fraud with them. This happened on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. Case number is XXXX.On XX/XX/XXXX I had a credit card opened in my name with NetCredit. I contacted this place and got the run around that I needed a new police report. I called and made another one with XXXX XXXX sheriff. I froze my credit with the bureaus except XXXX stated I didnt file in time for that so they wont remove any hard inquiry in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Thrift Investment Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I called Thrift Investment Corp. on XX/XX/2019, and spoke with a man by the name of XXXX and explained to him the reason for my call. I told him that the contract states the cost of the loan is {$820.00} for 21 months. I told him that if you divide {$820.00} by 21 months, it should cost me roughly {$39.00} per month in interest. I spoke with another representative earlier in the day and was told I am being charged {$2.00} per day. I told him If you calculate {$2.00} per day for 30 days, that comes up to over {$60.00} per month, and if you multiply {$60.00} per month times 21 months, it will be well over {$820.00}. He said that's not how they calculate interest. He said you start off paying more in interest and then later on you will pay less as the balance of the loan goes down. 

He then told me to XXXX amortization and read about it. I told him I didn't want to XXXX anything. I wanted him to explain to me why the contract does not state that interest would be paid in higher amounts in the beginning and then reduced later on. He then said " I am not here to teach you ''. After being totally shocked at his response -- I asked him to send me a schedule showing how much interest I will be paying each month over the life of the loan so I can know where the money is going to, ( principal v. interest ). He said " I don't have that ''. I then told him I would contact Consumer Affairs and perhaps they can get the information I am seeking. He said in a very sarcastic tone " good luck with that ''. 

I believe I have the right to know the breakdown of my monthly payments over the life of the loan -- how much is going towards the principal, and how much is going towards the interest. I don't know if they take out the majority of the interest within the first few months so that if the loan is paid off early -- they will have collected the majority of their finance charge. I do feel they are obligated to provide me with the breakdown of my payments, ( principal v. interest ), over the life of the loan. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Citi credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Citi a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Citi take care of the dispute.

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 2023-12-13
Company: LJ Ross Associates
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In alignment with the Truth in Lending Act ( TILA ), designed to protect consumers against abuse and deceit by creditors, I find it necessary to bring to your attention several violations that I believe have occurred in my case : 1. **Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors. 
2. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.CA. A debt collector may not communicate with a consumer in connection with the collection of any debt.

3. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692B ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
4. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.8755. Not using any language or symbol on any envelope or in the contents of any communication, effected over the mails or telegram, that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
5. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language, the natural consequence of which is to abuse the hearer or reader.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation