BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There has been a collection placed on my account with XXXX. It has shown to me from multiple credit access accounts several different amounts, dates it was opened on etc. 

This amount has not been validated through a judgment nor a wet signature from me. 
I spoke with XXXX about these issues ( after promptly sending letters and disputing on multiple occasions ), we spoke on XX/XX/2023 and they confirmed that they are reporting inaccurate amounts for XXXX and XXXX and have put this in dispute via telephone. 

This will be my complaint amongst multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Re a fraudulent Personal Line Loan Account XXXX with Golden1 Credit Union : A Golden1 Loan Statement was received XX/XX/2023 for a Personal Line Loan of {$20000.00} with {$7000.00} advance against the line on XX/XX/2023. .A letter dated XX/XX/2023 was received on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Golden1 advising I would shortly receive a Debit/ATM card for new associated account XXXX XXXX XX/XX/2023 my husband XXXX XXXX called the company and spoke to XXXX, XXXX ID XXXX to advise of this account having nothing to do with me, having never had any relationship or accounts with Golden1 Credit Union. On XX/XX/2023 I wrote to Golden1, attention XXXX XXXX advising that I had no knowledge of what this, it is a case of mistaken identity and please review documentation and correct company records. On XX/XX/2023 another statement of Loan was received from Golden1 Credit Union, showing most of the credit line being drawn, leaving a balance owing of {$19000.00} after advances. On XX/XX/2023, my husband wrote to XXXX XXXX, Chief Lending Office, copy to XXXX XXXX, XXXX & XXXX of Golden1 reiterating that Ido not now or ever have had have any account of any kind with Golden1 Credit Union, nor any need for a Debit/ATM card. 

We notified the Police of this as a case of Identity Theft and, at their recommendation, also file a report with the FBI at fbi.gov. Notice was given to our Credit card company, and to the Credit Reporting Agencies. As well, XXXX was contacted and case no. XXXX established with the company, with Restoration Specialist XXXX XXXX. She and I had a joint phone conversation with a rep at Golden1 Credit Union, which was cut short after being put on hold for several minutes. A security freeze has been placed on my credit, as recommended by 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 explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Avant Holding Company, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a check drafted on XX/XX/22. I mailed it in. I've checked my account and for the check to be applied to my account. And was told for 5+ weeks that they didn't receive the check. The check was cleared on XX/XX/22. I have been drawing interest All of that time. It amounted to {$40.00}. which wasn't supposed to be drawing interest. I've paid the amount because my account was still drawing interest. I believe that I was being charged interest even after they cleared the check. The card company is Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXX of : XXXXXXXX XXXX, and another of : 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 2020-06-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I was charged a {$25.00} late fee to my credit card issued by Citi. This was due to the fact that I had a balance of {$37.00} on my card at the time. Because of the global pandemic caused by COVID-19, I had to worry about the safety and health of my family first. This led to me forgetting to submit a payment to my Citi card. Prior to this, I have never missed a single payment with Citi. I have tried to speak with 4 different representatives at Citi - both through phone calls and online chat. All 4 representative denied my request to waive the {$25.00} late fee, even during a global pandemic. This reflects on the company as a whole and shows that Citi has such awful and disgusting morals. The fact that they refuse to waive a one-time {$25.00} late fee shows their horrible ethics. I have since already made the minimum balance payment so that my account is already current and up-to-date, yet I still have not received any assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that 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

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 2018-05-01
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:
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us! 
I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else! 
They have no right to deal with my life and business! They are database and personal information thieves!!! 
I see them responsible for any damage that may or may be caused to me! 
The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you! 
I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information! 

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin 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 explanation
Consumer complaint received 2023-04-21
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, I was informed by Rocket Mortgage that I needed to execute a Partial Claims Mortgage with HUD in the amount of {$26000.00} in order to proceed with the sale of my home, which transaction was scheduled to sold on XX/XX/2021. I executed the Partial Claims Mortgage, as requested, in order to satisfy the monies owed due to deferred payments due to XXXX. I was my understanding that this amount would be paid off at closing with the sales funds. It was NEVER disclosed to me by Rocket Mortgage that this was a three-party debt and that Rocket Mortgage would be paid the funds, pay off FHA, but then would create a separate debt with HUD that would not be paid a closing. One year later, I received letters from HUD which I honestly thought were fraudulent because I had no idea about the outstanding debt and the correspondence was asking me to sign agreements and submit financial information. 

Once I was able to speak to HUD, the title company, Rocket Mortgage and review the documents, I was finally able to understand what happened. However, now I have collection actions against me and negative reporting on my credit and am unable to enter into a repayment plan. 

I feel that Rocket Mortgage was negligent in their duty to me as a consumer and misrepresented the transaction that I was entering into. As a matter of fact, during a conversation with one of the representatives at Rocket Mortgage, he even admitted that is it not explained clearly to the consumer. I feel that Rocket Mortgage acted in bad faith and was only concerned with receiving their money and not at all concerned with ensuring that their customer is fully educated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, LLC claims I owe a debt totaling {$4000.00}, which was purchased from XXXX XXXX. I have requested, via three recently recorded phone calls, that PRA, LLC furnish financial statements/documents related to this  account. PRA, LLC has refused to do so, denying me the opportunity to examine the specific charges on this account to assess and determine their accuracy. 

Instead, PRA, LLC has sent a generic letter validating the debt and denying any inaccuracies related to their reporting of this debt, which is listed as a collection on my credit reports. 

I recognized that there were numerous charges made to this account in XXXX/XX/XX/2015 in XXXX, TX that I DID NOT MAKE, after speaking with a PRA, LLC call center representative last week. 

PRA, LLC is in non-compliance if the FCRA. If I need to hire an attorney, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Avant Holding Company, Inc.
State: TX
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 had a dispute with XXXX over charges to my account. The dispute was not resolved and XXXX charged my credit card without my consent. The charge amount was {$160.00}. I called and reported the dispute to my credit card company - Avant. They briefly took off the charge amount, then added it back. I called the company and they said they could not help me and gave me the number to a " specialist '' that was handling my account. I can not get through to a live person at this number. Left messages - this does not even sound like someone that works for the same company based on the voicemail. Now my account is over the limit due to this reversed charge. 

AVANT CREDIT CARDs - terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2022-11-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXXXXXX XXXX XXXX XXXX : amount XXXX there are also inquiries that i noticed that do not belong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also noticed that there is a incorrect address on therewhich is 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 2023-04-21
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: Investigation took more than 30 days

Complaint:
I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely 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 non-monetary relief
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 2023-09-08
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
- notified that my loans were forgiven on XX/XX/XXXX - my effective discharge date is XX/XX/XXXX - Mohela will not provide me with the following information - access to my payment history for the life of my loans - amount of refund I should expect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF THE XXXX  XXXX XXXX AND XXXX XXXX BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND EXPERIAN WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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