BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore 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 explanation
Consumer complaint received 2023-09-25
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:
This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-12
Company: Avant Holding Company, Inc.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern : My name is XXXX XXXX account ending in # XXXX, I am a loyal card holder looking for help. I was paying my bill online as I normally do and noticed charges totaling more than {$1700.00} from several merchants on XX/XX/XXXX in hopes of helping me ( a loyal customer who has ALWAYS paid my bill on time for years XX/XX/XXXX and never had a problem, not even a late payment ). I immediately called in and reported my lost card and the charges that were not from me. I was transferred to the fraud department where I explained and pointed out all those charges that were not from me. I was told someone might contact me for more information and a full investigation would be conducted. 


On XX/XX/XXXX I receive a letter stating that the investigation was complete in less than 2 weeks and a decision was made making me responsible for all charges.I have been trying to contact someone ( XXXX XXXX EXT XXXX ) from the FRAUD MANAGEMENT TEAM but oddly her phone goes directly to voicemail and she NEVER CALL BACK.even as I have left multiple voice messages stating this is a urgent matter. I am completely devastated and disappointed in your company which also seems a bit sketchy being that there are over 300 complaints similar to my situation on the XXXX website. I've never heard of a company that have a DEPARTMENT MANAGER that # 1 has no last name on the letter at all & # 2 phones go straight to voicemail and never return calls. 


I would hope to have this matter resolved as soon as possible and speak to someone who can really conduct an investigation and replace my money back on my card because I am a VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My original loan servicer, XXXX XXXX XXXX, filed for some type of bankruptcy protection in XX/XX/XXXX. In XX/XX/XXXX, my loan servicing was transferred to NewRez. 

At that point in XXXX, I was making payments bi-monthly of slightly more than 1/2 of the required payment each month ( I was paying {$670.00} to XXXX twice monthly for a total of {$1300.00} per month ). My monthly payment required was {$1300.00}. The excess payment that had accrued each month was being held as " unapplied funds '' and had in XXXX grown to approximately {$550.00}. 

I received several notifications in the mail of the transition and made arrangements with my bank to transition the automatic {$670.00} payments from XXXX to NewRez after the transfer date of XX/XX/XXXX. 

Since then, I have been receiving notices by email and conventional mail that I am late and that my escrow has a deficit that I need to repay. I have called three ( 3 ) different times to attempt to resolve the issue. After the last call on XX/XX/XXXX, I made an additional payment of {$750.00} to attempt to resolve the issue. 

During the three ( 3 ) different phone calls I asked for guidance on several issues including escrow, how to use the NewRez website to gather information about my loan, etc. However, the primary reason for my complaint, is that I have asked for specific information about the payment history of my loan and an accounting of the transfer of the loan from XXXX to NewRez. I specifically asked for information about how the " unapplied funds '' were transferred and how, if I continued making payments at the same frequency and amounts, am I getting late notices and fees? 

I was never provided this information by phone, email, or phone. I can not find this information using the online portal. I was told on the first two ( 2 ) phone calls that some sort of representative of NewRez was going to look into my loan documents and call me back with information on the questions I noted above. I never received a call from NewRez. 

During the last phone call, the representative suggested that making an intermediate payment of {$750.00} to " catch the payments up '' would be beneficial and possible remove the issue. I made that payment on XX/XX/XXXX and the amount of {$750.00} was debited from my bank account on the next day. However, that payment is not showing in the payment history on the online portal and has not been applied to my account. 

Today, XX/XX/XXXX, a late fee of {$41.00} was assessed to my loan. That was the final " straw '' for me to start this complaint with you, the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today, XX/XX/2022, I called Commenity Bank related to a Victorias Secret Card that has been closed, cancelled. This bank is charging a {$2.00} monthly fee that increases to more than {$30.00} of penalty. I called the bank, the person in charge called XXXX ( he did not want to forward a surname ) started babbling about the late fee for a card with XXXX transactions. He stated that the those are fees being paid late, perhaps, for XXXX XXXX I can not go on paying money for purchases not made and this people are capable of ruining my credit score. This is thievery to the highest scale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : TRANSUNION : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2018 2018

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 2022-07-23
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting inaccurate, unverifiable information on my credit report. They are reporting derogatory information on behalf of XXXXXXXX XXXX and are refusing to remove the tradeline from my credit report. 

I demand that they provide me with a sworn statement of the person at XXXXXXXX XXXX that has original knowledge of the negative tradeline Equifax is maintaining in their file. In addition to this, I demand the names, addresses, and phone numbers of each person they spoke to when they claimed to have verified the debt. 

I also demand that they delete the frivolous tradeline from XXXXXXXX XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a dispute of all the item on my report to Equifax and on XX/XX/2020 I called to inquire about my results and why I hadn't received the results and it came to my attention that the agent at Equifax decided not to send my results. This is an utter violation of my rights as I have the right to my results. XXXX XXXX which is the supervisor purposely failed to verify my information when the original agent verified who I was so that the agent in question would not get in trouble. I am seeking retribution for the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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 regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

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 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal is reporting a credit card debt that was a result of identity theft. I have filed numerous complaints with the CFPB and after investigations the account still remains on my credit file. 

The statue of limitations in Texas to collect a debt is 4 years, this account was opened fraudulently on XX/XX/XXXX, this fraudulent debt should have been removed XX/XX/XXXX. 

Navy federal has now reported to XXXX on XX/XX/XXXX that a payment was made XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act, because Navy Federal has refused to show prove of the payment and the statue of limitations on debt in Texas is fours years and it states that if payment is made or any other activity it does not restart the clock. 

This fraudulent debt should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted request via certified return receipt to Equifax regarding removing the below inaccurate items from my credit report. 


This inquiry was not authorized! 
XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Choice Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company CHOICE RECOVERY which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
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: Account information incorrect

Complaint:
duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 4 unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2021-05-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to XXXX & Experian and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to XXXX & Experian showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.

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 2022-07-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a follow up complaint to ARS. ARS stated : We respectfully disagree with the consumer 's interpretation of the applicable statutes, and feel that we have complied in accordance with the law. 

Despite my efforts to rectify this matter concerning ARS has to date, failed to prove that this account is mine. ARS have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.

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