BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, 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 Comenity bank /Victoria secret account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

15 USC 1666B : A credit plan as late for on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I am sending this email to include that the XXXX account XXXX  has impersonated a United States XXXX and has robbed me of XXXX dollars and has done so to many others through XXXX and claims her victims money through XXXX  with her username XXXX XXXXXXXX. This person must be apprehended to ensure no one else false for her scam of being a navy federal representative or being well known with them or any other bank. As such, I will include her XXXX url XXXX XXXX XXXX XXXXXXXX for better assistance. Thank you very much. 

As well as XXXX XXXX XXXX stole XXXX dollars from me with phone number XXXX and email XXXX Navy federal credit union didn't help me get none of this money back after I got hacked through the XXXX  app and or tell me there is nothing to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IN
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 submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Information belongs to someone else

Complaint:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are victim of fraud check due to stolen mail via USPS postal worker ( s ) due to 11 pieces of mail missing on the same day 2/6. 

BofA - Check payee changed ( unreadable ) and deposited to another bank that BofA already know who it is. 
Claim # XXXX XX/XX/23 ch # XXXX {$11000.00} pay to XXXX XXXX. Proof of duplicate of original and the amount is exact to the bill. 

USPS post office has their own federal policing unit. Case # XXXX We were promised full provisional credit ( 3-5days ) but received less than half {$5000.00} until investigation is complete up to 90days. We need our full money back to pay XXXX. Its under their failed system to protect us from this happening. 
They claim to email the affidavit form but I was initially told it was sent to the online messaging. I ask them to resend via email or regular mail but it will take 5-10 business dayswhat a run around! 
We are victims, they know it, we have been valued customers for decades, and this is the service we received. 
Please help! 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have already talked to the company havent fixed anything after doing this fix and told my car was fully operational completely broke down and caused me a accident had to get rid of the car and was never fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my follow-up process to ensure that the fraudulent items in my file are thoroughly deleted. 

Here are the items that needed deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/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 2021-07-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting 2 bankruptcies XXXX & XXXX. After many dispute letters and calls no PROOF HAS BEEN PROVIDED. I asked for METHOD OF VERIFICATION. I disputed theses with XXXX XXXX & they since deleted bankruptcy XXXX from their record. I contacted BANKRUPTCY COURT & they expressed they do not VERIFY OR SHARE INFORMATION WITH ANY CREDIT REPORTING AGENCY or ANY OTHER THIRD PARTY .Therefore WHOM DID EXPERIAN VERIFY THROUGH .I AGAIN REQUEST METHOD OF VERIFICATION OF XXXX & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 2018-11-28
Company: Navient Solutions, LLC.
State: IN
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:
I called last week to see if I could lower my payment. I work for a non-profit, will be eligible for PSLF in a couple of years and am paying monthly payments for my oldest in college. I was told when my student loans transferred to Navient, I would be put in the plan with the lowest monthly payment, since I qualify for IDR. 

The rep immediately told me, I was in the best IDR for me and my only option was forbearance. I informed her per StudentLoans.gov, I was eligible for several payment plans with lower monthly payments. She immediately told me I was eligible for said plan and I could lower my payment by {$200.00} a month. 

She then told me how to request this change. I submitted the paperwork on the same day. Today, I get communication I will be moved into a standard repayment plan and that my IDR Recertification can not be processed as it is too early. 

So I call, again, and am told I have to pay the {$5.00} processing fee to have my IDR plan changed. I asked the rep if I missed something in the online process to pay this fee. No, I have to call into do it even though I agreed to the fee online. 

It is evident Navient is not working in the best interest of borrowers like me. 

I have struggled to pay my student loans for years and am committed to doing so, but I do not have a partner in my loan provider who will support my success. These are shameful and predatory business practices. Navient should correct my last 5+ years of payments to the lowest amount I should have paid in the IDR and apply the difference to my principal. Or advance my payments so I am eligible for PSLF sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX, NY 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX I, XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 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 2018-11-29
Company: EQUIFAX, INC.
State: SC
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 sent certified letters and notices to Equifax countless of times requesting that they remove these accounts from my credit reports due to the fraudulent accounts. I have filed police reports and identity theft reports as well as contacted all the creditors. 

Equifax is not obeying the law at all and are breaking the laws just because they feel like it. But I will be getting my attorney involved at this point. 

They told me to include the account numbers. I did that. They told me to file a police report. I did that. They also told me to write and call the creditors. I also did that. So, what does it really take?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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  account # XXXX  back XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 16 USC 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end credit plan as late for any purpose

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 2023-11-02
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Innovis, The phone number on file for me is incorrect. 

Attached to this complaint are : written complaint Drivers license social security card Proof of address Please change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of XXXX XXXX. 

XXXX XXXX representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of PHEAA ( Pennsylvania Higher Education Assistance Agency ) who owned the Identity Theft Federal Student Loan.

PHEAA has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. PHEAA continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the XXXX  XXXX representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent XXXX XXXX a copy of the FTC identity theft report and addendum documents required. 

On both occasions, XXXX XXXX representatives informed me that this will negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Complete Credit 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:
I CONTACTED COMPLETE CREDIT SOLUTIONS ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO COM CRED SOL AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO PROTECT AMERICA OR COMPLETE CREDIT SOLUTIONS. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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 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