BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XXXX, my wife and I have frozen our credit. We unfreeze it when we need to make a purchase that is financed and to take advantage of credit card offers. 

Over the past 8 years, there have been 7 different times we have attempted to unfreeze our credit with Experian but have been unable to because of their website problems. The first 3 times ( me twice, my wife once ), we had to write them to reopen accounts because we were locked out. Because of their issues, we had to pay a higher finance rate. We have also missed out on credit card offers. 

Since that last time we were denied, we hadn't had any problem with our 2 or 3 attempts to log into Experian 's website and unfreeze our credit until recently. 

At the end of XXXX this year, I tried to unfreeze my credit again so I could apply for a credit card offer. The website wouldn't allow me to get past the second page, though I could see I entered the information correctly because the second page showed my personal information. 

I ended up using my cell phone to unfreeze my credit. 

Over the past two days, my wife has made several attempts to unfreeze her credit. First, she used login information that Experian gave her in XXXX. There was no place to input that information. 

Then she attempted to create a new account. She was denied because on the cells didn't work properly on the application page. The pop up stated that her username and password needed to be different. The two were completely different. She even tried several different usernames and passwords. 

If this was a one-off event, I would understand. But this has been going on for 8 years. 

I have never had a problem unfreezing our accounts at XXXX and only once had I had an issue at XXXX ( that was fixed the next day ). 

Access to our credit information is not only required, it is critical to our safety and security. Experian has been negligent time and again at stopping us from getting the information we need when we need it. 

Please hold them accountable.

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 2023-06-15
Company: EQUIFAX, INC.
State: TX
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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: ONLINE Information Services, 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:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-12-09
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2017-05-04
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card account with  XXXX  which is    XXXX   XXXX    the problem is i was going to be late on a payment and called them to talk about the late fee they said it  could be waived the  one  time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at  XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that  XXXX  had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and  at one time  they agreed now they are simply just harrassing me trying to intimidiate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 Account NumberXXXX has violated my rights. Or a 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 2023-06-11
Company: Experian Information Solutions 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:
To Whomever this may concern The results from an Investigation by XXXX in XXXX of XXXX  resulted in the DELETION of ( XXXX ) Accounts furnished by XXXX XXXX XXXX ( Account ( XXXX ) # XXXX and # XXXX ). These accounts were deleted because they could not be validated due to their fraudulent nature. I have since diligently attempted to get EXPERIAN to comply with the law as well. Experian continues to deny me my right to an accurate credit report after multiple disputes, as well as proof that the collection account furnished by XXXX XXXX XXXX is the result of identity theft. According to 15 USC 1681 s-2 ( b ) ( D ) : if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. The negligence and unruly behavior demonstrated by both XXXX XXXX XXXX and EXPERIAN have resulted in immense adverse actions and damages. Please delete and block any and all accounts furnished by XXXX XXXX XXXX  immediately. 

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 2023-02-23
Company: HILLTOP HOLDINGS, INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Prime lending mortgage. We have made numerous attempts to get our HAF payments applied to our account. HAF states their sent payment XXXX on XX/XX/23 XXXX for XXXX XX/XX/23 XXXX for XXXX We have called daily and been asking for a case status or our payments to be applied. We have had no luck finding out why our payments havent been applied. We are concerned as XXXX XXXX we will owe another payment. Everytime we call we get different answers and have yet to know or find out where are these paymentsXXXX XXXX XXXX from HAF has sent mortgage company check numbers also and has had contact with them she has stayed. Can someone please help us as we are being told our mortgage company is failing To post our payments that HAF states they did recieve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
All conversations between myself or my husband with Roach and Murtha PC, were recorded by Roach and Murtha PC. 

Between XX/XX/XXXX and XX/XX/XXXX, my husband and I received several phone calls from a representative named XXXX XXXX who worked for a Debt Collection Attorneys Office called Roach and Murtha, P.C. ( He was NOT an attorney-basically a receptionist used to scare and threaten people ) XXXX XXXX called us many times threatening a law suit, lean on our home, garnished wages and also threatened to contact my husbands place of work over a debt that had nothing to do with his job. When we asked him to send over paperwork of this debt, he threatened to not send it directly to us, but to my husbands job Also, when we asked for proof of this debt we were told we were thieves and stole from out homeowners insurance company. ( very unprofessional behavior ) He nor anybody from this law office provided us with any written information about this debt. 

We then found out that XXXX contacted my husbands brother who # 1. doesn't live with us or in the state for that matter, and # 2. was not ever on any homeowners policy with my husband or myself. When asked why he contacted my husband brother he had no response. 

XXXX continuously told us we needed to pay him exorbitant amount of money or we would be sued. These phone calls were never resolved because we simply wanted more concrete information about the debt, and XXXX refused to to provide us with anything. 

The third time that XXXX called/harassed us about this debt, I asked to please talk to his boss because I was tired of XXXX 's rude and unprofessional behavior. He continuously would yell at me and demand money. When I asked to speak to his superior, he told me his boss 's name was Mr.Murtha.

I was never transferred to Mr.Murtha, but i was in fact transferred to a few other people who were all equally as rude and just demanded money from us. Their names were XXXX XXXX and some other guy named XXXX ( who hung up on me when i asked for some kind of proof of this debt ) After researching the Professional Profiles of Roach and Murtha PC, I found out that the last guy named XXXX was infact Mr. Murtha ( he never introduced himself to me as an attorney or that he was Mr. Murtha, just that his name was XXXX ) XXXX cause our family grief, anguish and stress. 

This attorneys office, Mr. Murtha and specifically XXXX XXXX go against all rules of the Fair Debt Collection Practices Act ( FDCPA ). They threatened our family and harassed us to no end. They violated many of the Basic FDCPA violations. 

I really hope this individual ( XXXX XXXX ) as well as the entire law office is investigated. Just because someone owes money, doest mean they deserved to be harassed daily and threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX XXXX and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX XXXX Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2023-01-24
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. 
Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX  The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX  account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I wrote to TransUnion, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX XXXX myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.

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