BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from the mortgage company who services my loan that they are requiring me to lower my deductible on my H06 home policy that met the requirements when my Broker closed my loan that they bought and only now when they bungled the renewal by only calling the insurance company once for the renewal when I have an impounded account, that the deductible doesnt meet there policies! Nothing changed it is the same policy and coverage that they purchased the loan with and I have signed nothing that says it has to meet their policy. That is between them and the broker. If they bought the loan they agreed to what was in the loan including the insurance and deductible. So not only would that increase my premium but could jeopardize my multi-policy discounts. They are not listening to me and are threatening to put their own insurance on my property. I have worked in the mortgage industry for 34  years and have had multiple personal mortgages and have never had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1994 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 or about XX/XX/XXXX, I uploaded XXXX documents, per XXXX  XXXX, which included a letter from a Non-governmental agency ( XXXX ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both XXXX and TransUnion via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the XXXX, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within XXXX ( XXXX ) DAYS. I waited XXXX business days and BOTH TransUnion and XXXX failed to remove the accounts. 

On or about XX/XX/XXXX, XXXX sent me an email requesting that I submit documentation for my claims of being a victim under XXXX, for which I had already submitted the required documentation. I then called XXXX and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that XXXX was questioning the validity of the letter I uploaded from the XXXX. When I asked if under the law, XXXX had the authority to question the validity of a victim certification letter submitted by an XXXX, he stated yes as it was part of their job. I then stated that if there was a question, why XXXX did not call the XXXX and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under XXXX. He only stated again that XXXX was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that XXXX records the call but I was not allowed to record due to XXXX 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, XXXX was recording WITHOUT informing and receiving my consent. This is a violation of XXXX and XXXX. I have retained a recording of this phone communication. 

TransUnion has failed to communicate with me within a timely manner regarding my submissions as a victim under XXXX. 

To date, XXXX, XXXX, XXXX, neither XXXX or TransUnion, have complied with XXXX  by complying with my federal rights as a victim under XXXX. This exceeds the XXXX ( XXXX ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under 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 2018-03-13
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Disputed incorrect information through three credit reporting agencies and creditor, Navient continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. Navient is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX Navient keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get Navient to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dates : XX/XX/2019 Amount : {$180.00} Action Taken : ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT. I AM ENTITLED TO SEE THE ALL THE EVIDENCE FROM YOUR INVESTIGATION THAT INCLUDES THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THE DEBT.

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 2023-10-20
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: Was not notified of investigation status or results

Complaint:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 explanation
Consumer complaint received 2023-07-10
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I have been a victim of an online scam. I need your help to bring them to justice. This person used this name ( XXXX XXXX XXXX, she changed her name to ( XXXX XXXX XXXX or ( XXXX XXXX XXXX after she was done taking my money. She contacted me through social media and had me use XXXX to chat. This is the number she used ( XXXX ). I believe she is still using that number to scam other people. XXXX should be able to tell us who she/they are. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me how it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), and I also took money out of my XXXX ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw my money they would not let me. They said I had to pay taxes on the money I made and would not let me withdraw my money. Please help me recover my money. She used the App Coinbase XXXX to take my money and put it into XXXX XXXX exchange ( Fake website they set up ). My Coinbase XXXX XXXX account ID is ( XXXX ). I need you to ask Coinbase what bank or account did they have me send my money to. Then ask that bank to give the money back from the scammers account. There is no money in my Coinbase account for them to return my money so please dont ask them for the money. Make Coinbase tell us where the money went. I have uploaded just some of the screenshots I took during the process. Let me know if you need more. 
Thank you for your help! 
XXXX XXXX XXXX These are the web addresses they used to steal my money. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX, MI XXXX I NEED TO SEND DOCUMENTS IN TO HAVE MY 3 ACCOUNTS OPENED. 1 CREDIT CARD, 2, 2 OVERDRAFT LINES. 
CALLED and left two messages for XXXX XXXX at XXXX ext XXXX. 


XXXX XXXX XX/XX/2019 XXXX XXXX XXXX. XXXX XXXX, MI. XXXX Office of the Vice President, XXXX XXXX XXXX VIA : Consumer Financial Protection Bureau Application IDs : XXXX and XXXX To a materially interested party, I am requesting Applications ID : XXXX and XXXX to be pushed through. I have no derogatory information in my file with XXXX, XXXX nor XXXX. As of XX/XX/2019 I have a FICO of XXXX with XXXX. I hope we can come to a peaceful resolution against your party without future complaints and if required potential litigation and change of venue if your party requests for my simple two checking accounts with a {$500.00} overdraft protection limit on each and minuscule credit card line.

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 2023-07-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I used my Citibank online banking services to request a stop payment on a check to pay credit card bill. I had sent the check in the mail 3-4 weeks earlier and the Citibank credit card company hadn't received it.

The system communicated twice that once I requested the stop payment on the check, I could not undo the action. I acknowledged this. 
Then AFTER I completed the request, I got a message saying that I would be charged {$30.00} for this action. 
While I think {$30.00} is a lot for a stop payment on a check, I am not asking for the money back. I'm requesting that customers be informed, BEFORE completing the transaction that there is a {$30.00} fee involved. 

I also called Citibank customer service to register my complaint, though I am not certain anything will be done about it.

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 2019-08-31
Company: ID Analytics, 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: Reporting company used your report improperly

Complaint:
My credit and personal information is in " SageStream , LLC '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX

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 2020-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I tried to open an checking account at XXXX and they denied me due to wrong information on my account. They said I had a negative reporting from XXXX. I have never done business with XXXX. This is fraudulently on my account. How do I get this off of my information. The entity showing this on my profile is called Chexsystems.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: KY
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 HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was once again a victim of identity theft, and this is yet another request to erase things from my credit file as a result of suspected identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS is required to remove all inquirieswithin 4 business days of receipt. Furthermore, the information provided on some inquiries isUNKNOWN to me and REMOVED from other bureaus, and I have reservations about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
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 sent a letter requesting a investigation because i flet the items is not being reported legally, and on XX/XX/2021 i received a letter stating that your investiagtion was complete. 

i requested a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA ; Who did they speak with? what was the date? the name? and the address? what number did they call? 

This inaccurate reporting has caused me severe financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MN
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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