BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
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:
I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX   which was sold to XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations

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 2020-05-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had two student loans with Navient ( used to be Sallie Mae ) since XXXX. Per the contract terms the payments and due dates were to remain the same. I have been paying these loans since I graduated in XXXX. I took 1 deferment during a layoff. However, two things happened that Navient did without my knowledge or consent. On XX/XX/XXXX they changed the due date on one of the loans ( the higher payment one ). Thus, making it late every month. They also changed my mailing address. I never asked for any mailing address change. The only way I even knew about any of these delinquencies or the address change ( XX/XX/XXXX ) was when I logged into my account to print out tax information. I did not report an address change with the post office or anyone else. In fact, I have lived at the same address since the day I was born. This is infuriating. Now today I received a letter ( forwarded somehow because the address is still wrong ) from XXXX XXXX XXXX XXXX XXXX  telling me Navient reported my loan in default! When I attempted to call the number on the letter a recording states that they are busy handling COVID issues and to go to the website for CARES act info. I have tried to resolve this with Navient and have used the email option so I would have a record of my actions. They refused to do anything to rectify their actions. This is not the first time I've issues with Navient. I also had issues with them refusing to change my name. I have been married since XX/XX/XXXX. They still have my maiden name on the loan ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ok so i send out a letter to the company XXXX XXXX XXXX XXXX XXXX ... ... debt is Not recognize by me. they have send letters to come a agreement but i just ignore them. The debt aomunt is XXXX and the date goes back to XX/XX/12. so i aslo send letters out to Transuion/ XXXX /XXXX. So on my credit report the olny one that still show up on debt is Transuion. The rest of the reports the debt was erased. i need help for this debt dose not show up on my credit report no where/ Transuion.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Prior Ticket - CFPB # XXXX History attempt to correct wrong address, missing address, wrong names with TransUnion. 
I followed their directives sending a package with copies of documentation requested to verify my identification along with a typed list of all rental/addresses listed chronologically, clearly identifying missing address such as XXXX XXXX XXXX, another address erroneously listed twice, the same address once with apt . XXXX and second time apt XXXX for XXXX XXXX XXXX, XXXX ( to keep only XXXX second one apt XXXX must be typo ) and wrong names added with middle initial B not mine never done business with middle initial B, and my last name starting with " H '' initiated most likely by a creditor promoting their business. Why would I keep a name in my credit report that was created erroneously by a credit card company on my credit report when I have NEVER OWNED it, NOR DONE BUSINESS WITH? ... 
After going out of my way, investing time, money ( to do copies, buy stamps, to this date, I have not received a response confirmation that it was corrected ... more than a month now. And find out that without correcting my credit report, they close my case?

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 2020-05-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I went to a XXXX office and obtained a loan for XXXX work. At the time of my visit I explained to my doctor that I got paid on the XXXX of each month. I received my first bill from Comenity Capital Bank on behalf of XXXX XXXX XXXX XXXX. My first bill had a due date of XXXX and a minimum payment of {$200.00}, during my initial call with their office on XX/XX/XXXX, I spoke with XXXX ( XXXX ID ) and attempted to get clarification of their late charge calculation or how/when it would be imposed. During the call the representative was unable to explain how a late charge is calculated or advise if there is a grace period. I spoke to XXXX ( XXXX ID ) on XXXX @ XXXX XXXX., in an attempt to get more clarification how they are calculating a late charge on my account. I was advised my billing statement would provide the details, I advised the representative that the billing statement indicates " If we do not receive your minimum payment by XX/XX/XXXX you may have to pay up to a {$40.00} late fee '', no where on that statement does it provide the calculation for a late charge. At that time I advised the representative I wanted to take care of the account and remain in good standing, I asked her what the amount due was, XXXX advised {$400.00} ( XXXX & XXXX ), I scheduled the payment over the phone. Before hanging up I asked if we were good, meaning no outstanding fees, I was advised that there was a {$29.00} late fee that would remain on the account. I asked why was this not advised when I requested to schedule my payment so that I would take care of it at the time of my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: GA
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 ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. 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 bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of Identity theft. A police report and FTC report was sent to XXXX, Transunion and XXXX detailing the fraudulent accounts and information that needed to be removed from my account. This was sent certified mail XX/XX/XXXX. All three credit bureaus deleted the fraudulent accounts in XX/XX/XXXX after speaking with them last week XX/XX/XXXX and again this week after reviewing my credit reports. While reviewing my reports I noticed that they removed several of my accounts that were in good standing and was not apart of the police report or the FTC report. I told them they removed accounts that were not fraudulent and was told that they removed all accounts if they reported at any time with the address associated with the fraudulent accounts. I advised them that was not correct and to place my good standing accounts back on my account. I called again today to XXXX   in particular and was lied to this time and told my bank told them to remove it which is not true because I spoke with all of the creditors and they all said the information is being sent to the credit bureaus. I asked to speak to a manager and was told I could not speak to one and I could go into a voicemail and someone would call me back, which is another lie because no one ever calls back from any credit bureau. My good credit accounts were removed without my permission and they choose to keep on the accounts that showed any type of late payment that they felt might be 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 2018-02-22
Company: Innovis
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: Information belongs to someone else

Complaint:
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Dovenmuehle Mortgage, Inc.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX to Service my VA home loan. The problem has I contacted XXXX XXXX  XXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of Mississippi to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX XXXX which violates the Mortgage Servicing Clause in Release tractions amendments of the state of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: DISCOVER BANK
State: AL
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 had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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've been in touch over the past few months with the credit bureaus in regards to accounts appearing on my file that were established with my consent. Transunion continues to report fraudulent account ( s ) ( XXXX XXXX ) which was included in my identity theft report. For some reason this account still remains on my credit file without any accurate verification as per required from the Fair Credit Report Act not to mention it has been well beyond over 30 days. I have yet to have receive documentation form Transunion obligating me to the account mentioned above. I find this as a complete violation of the FCRA and my consumer rights. This account should have been blocked within 4 days of receiving my dispute. Transunion must adhere and be held accountable for their actions.

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 2019-02-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Greetings, on XX/XX/2018 I contacted navy federal to let them know that they have been some charges on my account by a company named XXXX and they temporarily credited my account. On XX/XX/XXXX they reversed the charges stating that they was no errors and as I am typing another agent is telling me that why I dont dispute the other charges on my card. So irrelevant to what my issues are. This is not the first time navy federal has done that to me and now enough is enough, they state that they protect service member but instead they are protecting companies that are taking advantage of customers. 
Now mind you I was in the hospital having a XXXX XXXX  XXXX XXXX and after I got back home Ive been in bed and having XXXX  at home. This company is the worst and I need help on resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit profile, I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I received a response in mail by TransUnion XX/XX/XXXX stating the account was verified, but I did not received any documents to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd verification letter asking for complete list of all documents and correspondence with XXXX XXXX, including all names of employees that TransUnion spoke with as part of the investigation. I received the same letter that was sent out by TransUnion on XX/XX/XXXX stating the account was verified, again no documents showing this account belongs to me just another template letter. The account is still reflecting on my report and the account do not belong to me.I have whited out my information on the letters i sent and also whited out my file number from the verified template letter TransUnion sent and attached.

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 2020-05-07
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: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.

Company response to consumer: Closed with explanation