BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: LEXISNEXIS
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:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my TXXXX credit report had also been made by XXXX XXXX XXXXT-WH XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX,XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX ( XXXX XXXX and LexisNexis Risk Solutions ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Received today, a report from Equifax credit bureau updating XXXX.This is not a new complaint, but XXXX name changed from XXXX XXXX to XXXX approximately 15 years ago. I was a co-signer in 2002 for my son for School. His loans was in deferrment, and he has been paying them, and why do I have to pay when he is. XXXX  re-submitted on my credit report and his credit report. This was 17 years ago. Becoming I'll, filed bankruptcy 5 years ago, the trustee was sending payments to XXXX which they were getting paid twice a month..I 'm on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased 2 pairs of XXXX running shoes representing {$160.00} from XXXX XXXX XXXX XXXX website. PayPal was used as the payment method ( Transaction ID  XXXX XXXX. 

On XX/XX/XXXX, I received one pair shoes and immediately saw that the product was product was counterfeit. Within 24 hours of the receipt, I notified the seller requesting a return for my money back. Despite 2 emails to the seller and a customer service email request at XXXX XXXX XXXX XXXX, there was no response. I then opened a case with PayPal requesting assistance. I entered the case information as directed and reached out to several people to ask about reimbursement for shipping. There was no response despite emails and my attempt to message PayPal via XXXX. I then posed the question when prompted to enter the shipping information. 

Because I posed this question instead of entering the shipping tracking number, PayPal declined my case. I had only received one of two pairs of shoes and therefore wanted to wait until the second pair had arrived. Further, I wanted a response to my question  regarding reimbursement for shipping costs. 

Three weeks ago, In XX/XX/XXXX, I just received teh second pair of shoes. Paypal is still unwilling to help me and stand by their flawed process despite my explanation of the issue. 

I am seeking repayment of my funds by Paypal. The seller never responded and closed the website shortly after my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Pennsylvania Auto Credit, 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 contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by Pennsylvania Auto Credit is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Direct recovery services violated FDCPA by contacting 2 relatives regarding a debt thats not on credit report. The company also left misleading voicemails and language to imply legal action. When company was contacted representative was rude, aggressive and threatening when told they violated the FDCPA act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2021 around XXXX XXXX., a Navient Advocate called. This is in regards to a prior Consumer Financial Protection Bureau complaint made on XX/XX/2021 around XXXX XXXX. This is reference number XXXX. I spoke to a male Navient Rep several days prior and the man said " IT TAKES 15-20 DAYS FOR AN IBR REQUEST TO BE RECEIVED BY NAVIENT. '' On XX/XX/2021, the Navient Advocate DENIED full acknowledgment of a document called IBR_Validations.JPG was sent to her through my complaint. I stated, " you received a document that validates that I indeed and in fact, filled out AN APPLICATION for the IBR. My complaint is because the Navient Advocate DIDN'T EVEN LOOK AT THE DOCUMENTS SENT TO HER. The Navient Advocate stated, " There may be a document in my pile for that, but I didn't look at it. '' The Navient Advocate continues to state, " It doesn't matter, I didn't get the form. '' I told her to call me back when she can speak the truth. If I didn't fill out an IBR request form, why would I be on the https : studentaid.gov/app/repayment.action website page? How would I get an image snapshot to provide to the Consumer Financial Protection Burea if I didn't fill out the form? My complaint is that the Navient Advocate didn't even look at the provided documents and take my complaint seriously. She wouldn't accept or acknowledge that I did and indeed and in fact, fill out the IRB request form on the student.gov website application page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent Transunion CRA a identity theft report and letter stating I was a victim of id theft and referenced the fraudulent accounts. Under the FCRA 605B I asked that the fraudulent accounts be blocked and removed. Transunion notified me by mail that they were not going to honor my FCRA 605B request because they have determined that my request has either a ) been done in error b ) is a misrepresentation of material fact c ) you have obtained possession of good, services, or money as a result of the transaction issue.

I see no evidence that they have, for example, asserted that I have made any material misrepresentation. Transunion has not shown that my id theft report contained a material representation before they can legitimately decline to accept my id theft report.

I see clear basis for violation of the decline provisions under section 605B ( c ) and further indication of willful noncompliance, which subjects them to actual and punitive damages, and legal fees pursuant to FCRA 616.

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 2021-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2020-06-01
Company: EQUIFAX, INC.
State: VA
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 submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NY
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  XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-11-28
Company: Cedars Business Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that there was a collections item on my XXXX credit report and desputed it and it came back as valid however i am disputing an address that was also on my XXXX credit report that i never lived at and it was removed so i have reason to believe that tye person or persons who ooened this account used an address. With my name and as a result it was put on my credit report as owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Im a victim of Identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing to fix and claim its verified.

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 2017-09-19
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: Investigation took more than 30 days

Complaint:
I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a loan recast on XX/XX/XXXXand sent a {$50000.00} ( $ XXXX to pay down the principal and {$300.00} for processing fee ) cashier 's check on XX/XX/XXXX. After they received the check, I found out they didn't apply the whole $ XXXX toward the principal. Instead they applied a big portion toward future mortgage payment. After that issue was fixed, they were supposed to send me the recast agreement to sign and return. I found out by the recast agreement document they posted on my account online, they sent the document to Idaho while I live in California. So I printed the agreement and notorized it and sent it using the mailing label included in the Recast Agreement on XX/XX/XXXX. While the agreement said to send it back to their office in Connecticut the mailing label was addressed to XXXX XXXX in XXXX  Arizona, so I called them to make sure it was OK to send the agreement to the XXXX  office and I was told they have an office in XXXX  and it was OK to use the mailing label. Tracking system showed the agreement was delivered on XX/XX/XXXX. OnXX/XX/XXXX, I had an envelope marked as confidential on my front door that had a cover page instructing me to call a local company to sign and notorized the included recast agreement which I did already a few days before. I've been calling since XX/XX/XXXX to find out the recast status, whenever I got to talk to a customer service representative nobody knew the status. They promised to call me back and I haven't heard back I also emailed them 3 times while auto reply said they'd get back within 48 hours, but I haven't heard back. This is my complaint about the recast.

My second issue with The Money Source is they sent me the XXXX form with incorrect interest paid for XXXX. With the attached monthly transactions and XX/XX/XXXX statement, I found out they didn't include interest paid for XX/XX/XXXX in the amount of {$490.00}. I called to request correction of 1098 early XXXX and haven't heard back for a couple of weeks, so I called again and no status on that. Then around XX/XX/XXXX, I received a XXXX INT 1098 that is {$490.00} more than the amount in the original 1098 form posted on my account at the beginning of XXXX. They corrected the wrong 1098!! I called and they told me I had to call the IRS to correct it because the IRS gave them that amount which is completely wrong. They are the one reported the info to the IRS. Up till today they still wouldn't admit they made a mistake on my XXXX 1098 form and added a mistake to my XXXX 1098 form. Because of their mistake, I have to file for extension for tax return for the first time. 

TMS should not be in the mortgage business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I received a phone call from XXXX from Navient I requested to speak with a manager and my request was denied after a very long wait in hold the line was disconnected after the second hold. Same day I received another phone call, this time by XXXX from Navient I verified that I was the intended party, and requested again to speak with a supervisor. I was transferred to XXXX who told me that I owed XXXX I told her what my circumstances were that didn't allow me to work currently. I told her that both schools that I attended were shut down years ago. She clarified that once the company name has been given they were unable to call back the same day. She also clarified that it is considered harrassment. I told her at that time to cease and desist she said it could only be in writing. I asked her for clarification to see if me giving a verbal cease and desist she said no. I said again that I didn't want them calling me anymore.5 minutes after I hung up with her I received a call it was XXXX from Navient I confirmed that the balance was XXXX, the same debt amount. Since XX/XX/XXXX I received phone calls every day multiple times a day with messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have violated my rights. 

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 an account without my written instructions 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation