BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was jotified of a collection on my credit report in XX/XX/2021. I contacted the collection agency for more information and determined that the debt was a result of identity theft and was referred back to the original creditor, XXXX XXXX, to dispute. I contacted their customer support via phone and was not adequately assisted. I have filed a police report regarding the identity theft. Yet XXXX XXXX will not assist me in removing the negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I signed up for a new account with BMO Harris Bank XXXX XXXX XXXX XXXX It took almost 3 hours to verity me over the phone. I had to send many documents and answer many questions over the phone. The next day my representative asked me for my account numbers for me to transfer my funds to them. Then they sent me many documents to sign over a portal. However, when I tried to sign up on the online portal I have run into many problems. First, their online portal refused to send me a code after Friday. Then on XX/XX/ a representative gave me a temp password to sign up online. The system did not allow me to finish the process. So, I waited until Monday XX/XX/ to call back. I was on the phone for several hours trying to sign in. It allowed me to sign in only by clicking on forgot password. After being on the phone the repXXXX told me she would call me back today XXXX XXXX XXXX So, I called and spoke with several reps. The first one was very Rude. The second one XXXX was very nice. The online banking has locked me out a would not verify me. However, it would send me texts messages and emails saying that a unauthorized device was trying to sign in my account. Then it was saying all day that it did not even recognize my information. When I tried back a rep in the escalation dept was EXTREMELY MEAN AND RUDE TO ME!!!, l just got off the phone with XXXX who just mostly defended her co-workers attitude towards me. This bank took my money and allowed me to open up account 's and then refused to allow me access to my accounts with my money in them. Then they disconnected the calls and then wrote in my account that I hung up and I was not verified! That is a lie! They did this purposely I feel to get my accounts open to their advantage and then refused to verify ... Although they are saying that I hung up! I have been trying to access my accounts to see if my money is okay. Imagine someone saying they need your money to open your account... Then taking your money and then refusing to let you get to your money. This has been a awful experience dealing with them! I am requesting all phone records be pulled from XX/XX/XXXX, XXXX, XXXX, XXXX. Then she said that I called 20 times today ... Which is another LIE! The accessed my account to make it look like I called 20 plus times. They should have never let me open a account then demand my money if they did not believe I am who I say that I am!

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-24
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 received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.

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 2023-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear CPFB : I submitted a complaint to your office about Navient. The ID # is XXXX. Navient replied, but they did NOT answer my direct and explicit question that asked " how many months was I in Forbearance status since loan inception? '' Instead, Navient replied that I was enrolled in their Income Based Repayment status with their records reflecting " that you have made 48 qualifying payments towards Income Based Repayment ( IBR ) loan forgiveness to date. '' I asked them " what time is it? '' They responded with " 82 degrees and sunny. '' So, I called to ask this un-anwered question, and was told that I was in Forbearance status for 30 months since loan inception. 

I formally ask Navient to convert these 30 months of Forbearance status to that of IBR, and to make any retroactive adjustments of accrued interest related to this conversion. 

Why? Because I spoke to Navient about repayment options throughout the years. During these calls, I was pushed, pointed, promoted and steered countless times toward Forbearance rather than Income Based Repayment. Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment- in stark contrast is to the consumer 's ( mine ), since IBR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if those payments are {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me, the borrower. 

In fact, I was told by a supervisory rep of Navient on the phone on XX/XX/2023 that " Navient policy is to advise of IBR prior to offering Forbearance ; Forbearance is the last option, but some reps have not always advised the borrower of this. '' Their policy was conveniently self-serving, and I suffer as a result. My student loan has ballooned to unmanageable levels that effectively drown my future financial wellbeing. At its origin, the principal amount was around {$62000.00}, and I have made payments over the years totaling {$35000.00}. My present amount owed? 

{$100000.00} Again, I ask that Navient convert my 30 months of Forbearance to that of IDR, and to make any retroactive adjustments of accrued interest related to this conversion. This request is based on their purposeful obfuscation of borrower options that is at best unethical and at worst illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX XXXXXXXX XXXX  two unauthorizes wires transferred were made on my XXXX  checking account in the amount of {$9400.00} and {$9100.00} to a NAVY FEDERAL CREDIT UNION. The bank file a claim on my behalf but was unable to retrieve the funds.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} US SM BUS ADMIN ODA Date of inquiry XX/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 non-monetary relief
Consumer complaint received 2018-07-25
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a vmaill message on XX/XX/2018 stating " Uh yes, Good Morning XXXX XXXX my name is XXXX contacting you from the office of Midland. I just received an email from one of our compliance officers stating that you are refusing to sign for your documents. If you could please contact the office and we can discuss the paperwork at XXXX ummm XXXX XXXX if I dont receive your phone call today, you leave me no other choice we will be submitting a plea of willful evasion against your name and social security number to the county first thing tomorrow morning, again XXXX thank you '' There is no name on my vmail so how do you know you are leaving a message on the correct phone # XXXX you are calling and making threats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission.

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.

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 2023-03-20
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: Personal information incorrect

Complaint:
I disputed my personal name with Experian because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX Experian has profile under anther name XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-11-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2022-02-24
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to TRANSWORLD SYSTEM INC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am submitting this complaint to follow up on my previous complaint dated XX/XX/XXXX. As stated before, per the Fair Credit Reporting Act Section 605B ( a ), Credit Bureaus are required to remove any items opened without my knowledge, consent, or authority within 4 business days, as listed in the ID THEFT Report with reference # XXXX. The accounts in question are detailed below, and I request their removal within the next 15 days : **XXXX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: I.C. System, Inc.
State: SC
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:
It's been over thirty days and the creditor has not updated the information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information. And they must delete the alleged payments on my credit reports. Under Federal law they had thirty days to complete the investigation and by failing to do so, the items must be deleted from the 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 2023-03-20
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Last 4 of SSNXXXX RE : XXXX XXXXI 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MO
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief