BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-05-02
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I am a customer of My Navy Federal & my Acct was frozen by XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. My Account has been Cut off for more than 2 yrs by these People for a balance of {$14000.00} according to this company this judgment was entered on XX/XX/2003. at this time I was incarcerated most of XXXX into XXXX before that i was living at XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal went off the word of this company & closed my acct off to me. this case has never went to court plus it is over 20 yrs old. I believe this is a Scam as stated by the Attorney General 's Office. Navy Federal Excuse is they are a third party & Have been given a court doc by this Lawyer by looking at this Info Subpoena with restraining notice, Paperwork not signed by a Judge or officer of the court no court seal nothing it looks like something made up in the kitchen. I need help badly its been 2 yrs please someone help me. Navy Federal is wrong for this in my eyes with out proof of anything that this case was ever in court. I even XXXX these people the had a fraud case trying to get funds out another woman froze her accounts & she sued them. i can not uploaded the photos so I will be sending them once i get them printed up. BTW this is not even on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedar Business Services reported me to The Credit Reporting Agencies that I owed XXXX XXXX the sum of {$660.00}. I called Cedar Business and I informed them that I have never done business with XXXX. I requested proof of my debt such as delivery receipt / invoice / proof of delivery. I have not gotten a reply to date.

My credit score has dropped by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 is not yours

Complaint:
Various threatening calls to send authorities to serve legal documents. Nonstop phone calls from various numbers from different states. Worst debt collector for many years, unstoppable. 

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXXXXXX. In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.

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 2023-02-17
Company: Experian Information Solutions 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:
I contacted Experian on XXXX by phone in regards to XXXX inquiries on my credit report that are affecting my score. The gentlemen I spoke to refused to investigate a number of inquiries that I did not authorize. Additionally, he told me these inquiries may have been initiated without my knowledge, but he wouldn't be doing anything about it. I asked for his name, he gave me the name XXXX. When I asked for his ID number to be able to identify him in regards to this complaint, he refused. The following is a list of inquiries I wish to dispute : 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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of identity theft. Because of that I have a collection account on my Experian credit report. I contacted Experian, provided all the information they asked me for, including a police report, and they are refusing to remove the collection account. I've also reached out to the original creditor as well as the collection company and neither will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
I received a notification about my credit score for Experian. The score has declined XXXX points this year and I have been paying my bills on time. Additionally the wrong information has been given regarding my name, address and employment status on my credit report has changed drastically since last month. I tried to make contact with Experian twice regarding the matter. The second time I did reach a representative but was told that the disputes department would have to handle the matter and that they were restricted by the disputes department from assisting in getting the issues resolved. More important I was informed that the disputes department placed a restriction to prevent my ability to file a dispute and that the disputes department would have to answer the questions that I had regarding my credit report. I was transferred to the disputes department and requested to speak with a supervisor regarding my concerns. The agent in the disputes department that accepted my asked for my social security number and stated that she MUST have it and be told the reason for my request for a supervisor in order to transfer. I gave a very brief explanation then heard her type a lot of information. The agent then stated " I will transfer you to a supervisor '' and disconnected the call. I tried the XXXX number I had been given by the previous department and it reached the automated system again.

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 2022-11-14
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: CNG HOLDINGS 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: Information belongs to someone else

Complaint:
Contacted XXXX  XXXX concerning said debt. 
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is XXXX The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 2023-05-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is -- -- -- - and I have a mortgage with Carrington with the loan number ********. I had the name -- -- -- -- -- which was changed to -- -- -- -- -which is my father 's last name. -- -- -- -- was my sibling 's father 's last name. During Covid my Fiance -- -- -- -- -- - who has lived with me for 5 years lost her employment. I utilized the assistance from Carrington Mortgage which provided a forbearance option in XXXX of XXXX. I was able to settle Debts and was in a position to begin paying the mortgage again in XXXX of XXXX. I was assigned a XXXX agent named XXXX XXXX who refused to communicate with me by phone. She sent me some strange questions asking if I was married to a woman named XXXX. I requested to speak with her on multiple occasions as her responses were at times erratic and did not fit the context of our email conversation. I sent in multiple packets to continue the mortgage process for modification after forbearance which failed XXXX due to me not being aware that my signature had to be signed " -- -- -- -- -- -- fka -- -- -- -- -- -- ''. The block read my name " fka '' my previous name which meant to me that my signature acknowledged that I had previously been known by another name. The document was supposed to have my current signature followed by fka and then my previous signature on that line which I have never heard of nor had my various notaries. XXXX XXXX did not instruct me that this was why my contracts were rejected nor did she instruct me of what the contract signature required. She just continued to repeat that my signature was incorrect. This fact was relayed to me within 2 emails by my new servicer XXXX XXXX who explained right away what the error on the application was regarding the signature block. I was able to speak to her by voice and sha has given me a clear understanding of my options. I have the email threads to XXXX XXXX and can forward them in order to understand the rationalization for my dispute. I have documented attempts to speak to her and clarify why my packets were being rejected and she refused to contact me or clearly elaborate on what was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy if 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 opened by me. This has been hurting me as I am in the process of buying a house 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 2021-01-14
Company: Carvana Group, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX  's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 Bank of America closed my Corporate bank XXXX XXXX XXXX  ) for a still unknown reason. It is now XX/XX/2023 and BoA has still not giving me a date that they will release my funds. Every day I call BoA Risk department and they extend the closure date by a day or two. In this time some of my clients have accidentally continued to transfer funds into my Corporate account and instead of closing the account in a timely manner they continued to draw out the process and my clients are not recalling their wires because the Bank will not release their funds to me. This is criminal and as caused me to start to be late on payroll, taxes and my personal mortgage. I need a resolution and I dont know where to turn for help as BoA Corporate is no help!

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