BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.

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 2023-12-17
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: OH
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MI
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 several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2800.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; 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 XXXXXX/XX/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 explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} / XXXX XXXX ( Original creditor : 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 2020-01-14
Company: Navient Solutions, LLC.
State: PA
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 have been on income driven repayment since the late XXXX. I was out of work in XXXX when I had a XXXX and just went back to work in XX/XX/XXXX. Right before XXXX of XXXX, a representative of Navient called about recertifying my IDR plan. At that time she offered to put my loan into deferment as I was trying not to lose my home from the time I was off work. 
I questioned when my loan will be forgiven as I had been paying for 20 years at that time. She told me that it would be forgiven in XXXX ( I can't recall the month ). I straight up asked if the deferment would in any way change that forgiveness and she told me absolutely not! 
Now the deferment has ended and I spoke with a Navient representative to begin repaying and they tell me that I have 20 years to go as I have only been on IDR for 14 months with them. 
My loan was serviced with Salllie Mae prior to Navient. I have never been on anything BUT an income driven plan since I began repayment in XXXX. 
I'm so done with this. There seems to be no recourse and the agents are so ignorant and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. In XXXX I purchased a foreclosed home, I then put about $ XXXX {$60000.00} into repairing and getting it. By the beginning of XXXX the home was completely remodeled, so I reached out to my mortgage company caliber home loans and requested that they remove my PMI and or stop dispersing it to the company that was charging me. On multiple occasions I spoke to representatives at caliber home loans who told me I did not meet the threshold to have it removed, so I then requested information to speak directly with the PMI servicer and they told me I would have to deal with them directly meaning caliber home loans. I requested every time I spoke to them to make a note because I knew my home was valued above the threshold to have the PMI removed but they refused to send me the forms to start the process they said on multiple occasions that it was In the mail, they never arrived. Meanwhile I became a XXXX patient while all this was going on and continue to argue with them about the value of my home and the PMI being unnecessary. As of a couple months ago I went on the website completely frustrated and found a pdf form having just spoke to a representative that told me it was not possible I decided to fill the form out on my own and send in the payment to start the process because I knew I was correct. This past month the broker came out to my house to do the home evaluation and told me my home was valued well above the PMI threshold and that there was no reason that I should have been paying for a PMI insurance for the past two years almost 3 years. I decided to call caliber home loans and explain to them that it is very frustrating that because of the incompetence of their representatives I paid money that I could have been putting towards medical cost towards a service I did not and do not need. They took no responsibility and said that the PMI is now removed and I should be happy with that. Would you be happy if someone stole {$4200.00} from you for a service you never needed? They have taken no responsibility and just told me that they sold my loan to a new company to get away from the problem this is unacceptable I would appreciate assistance on this situation as they continue to disburse money to a company they received a kickback on at my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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:
XXXX XXXX responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.

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 2020-01-14
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to report an account on my credit report which can not prove this debt is mines. I told them i am a fraud victim. They continue to assist that i owe this debt from CAVALRY PORTFOLIO SERVIC. I reported an extended fraud alert on my credit on XX/XX/2014.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I don't remember the exact date I know it was the end of XXXX of this year XXXX, someone hacked into my account without me giving any information to anybody, stole {$250.00} through XXXX ( XXXX ; so {$500.00} total ) as well as {$100.00} for XXXX. About a week later they hacked into my account again requested to increase my credit line I received an email asking to confirm more information so being curious I called to find out that the hacker hacked into my account tried to increase my credit line as well as make a transaction of {$17.00} for XXXX the bank also informed me that there was activity in the XXXX as well as XXXX I live in the United States, I closed the account and opened a new one in hopes that the hacker could not gain entry back into my account, they still did somehow and now when I look at my bank statements it's as if it never happened I don't know if it's because I opened a new account and it's locked in the other account but because this hacker is talented they made the transactions look authorized the bank did not take me seriously close the case less than a week later. About a week after the money was stolen I tried logging into my account to no avail due to too many failed login attempts, when my login method is my fingerprint. They immediately deemed it denied and close the case. And now I refuse to pay off my credit card with them because why am I going to pay on a credit card that a hacker is just going to use and steal for me? The bank is Capital One 360 it took me a very long time to save up that money their job is to protect my money and they did not they took it as a joke as if filing a dispute is what I do for fun. Every representative I spoke to has twisted my story and made it different depending on who you spoke to. Because that account is closed I do know the debit card number and credit card number. My name is XXXX XXXX XXXX XXXX DEBIT CARD NUMBER XXXX XXXX XXXX XXXX CREDIT CARD NUMBER XXXX XXXX XXXX XXXX AND I DO KNOW THAT MY ACCOUNT NUMBER ENDED XXXX WHICH IS STILL ATTACHED TO THE NEW ACCOUNT NUMBER AND ROUTING NUMBER WHICH NOW ENDS XXXX. IF YOU NEED ANY OTHER INFORMATION FROM ME PLEASE FEEL FREE TO REACH OUT TO ME THROUGH MY PHONE NUMBER WHICH IS XXXX OR EMAIL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MI
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. 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 that the information is inaccurate.

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 2018-01-25
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am currently paying a mortgage with Ditech Financial LLC. There are four missing payments on my credit report that I have made on time. XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I also have 9 missed payments reported on my account which is impeding the growth of my credit score. I understand how gravely important it is to make payments on time and have displayed that over the past year in which I have not missed any payments and was hoping for forgiveness on some mistakes I made in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i moved to florida in 2017 and i left the apartment in XXXX, this information was sent to XXXX XXXX. Yet my gas was still running. I wasnt aware of it until i got a XXXX bill here in florida.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

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 2022-02-22
Company: EQUIFAX, INC.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation