BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Despite multiple CFPB complaints Discover still has not closed my account and has failed to cease and desist in illegally monitoring my loan and credit activity through XXXX. This monitoring is illegal and unauthorized. RE CFPB complaint # XXXX, Company responded on XX/XX/2019 : " As per your request, we have updated our records to ensure that you will no longer receive the SSN/New account alerts that you had previously activated. ... XXXX XXXX XXXX Executive Office of Customer Advocacy Enclosure ''. 
However as you can see from the attachment Discover still has not closed my account and continues to monitor my loans and credit activity. This is blatant harassment and illegal. XXXX apparently either Discover employees are incompetent or Discover is thumbing its nose at the CFPB and the consumer. Highly vindictive XXXX. I encourage the CFPB to initiate a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: IL
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 REQUESTING TO HAVE FRAUDULENT INFORMATION FROM XXXX/XXXX   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: MO
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$670.00} ; 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 explanation
Consumer complaint received 2023-01-08
Company: National Credit Systems,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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I took a loan from Moneylion at the end of 2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " Location Services '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in financial services and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 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 2019-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I understand that the court house do not share any information with trans union or do they have any information to provide on my behalf. 
I believe these accounts, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and bankruptcies dated XXXX XXXX and XX/XX/XXXX on my file may be an inaccuracy and a validation or removal of them would provide me with the understanding.

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 2021-09-14
Company: CAINE & WEINER COMPANY, 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 called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2020-01-30
Company: Credit Solutions
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Seaseme showed I had an amount in collections with that I do not believe I owed. The debt was previously with XXXX. I called credit solutions and asked for a verification letter on XX/XX/2020. XXXX from credit solutions stated they already sent one, but it was an old address. They should not have had that address since I updated it with XXXX and all communication should have gone to the new address. I asked for a new one, the woman said she could not send me another letter. I stated that was illegal, and she said that the software used to send letters was down so she wasn't sure how long it would take to be sent one. I asked if it would continue reporting past due in the meantime, she suggested I talk to her supervisor. I was sent to the supervisor voicemail and have not heard anything back. They never asked for my updated address so I do not know how they will send me the debt verification.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-30
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Gentlemen, I had an account with XXXX ( XXXX XXXX  ) it went to Collections. XXXX XXXX XXXX, XXXX was assigned the account. I settled and paid this account XX/XX/2019. Since then A debt collector named Resurgent Capital Services claim I owe this account thru them. They claim the account numbers do not match. I contacted XXXX XXXX  directly and they stated this account was sent to XXXX XXXX XXXX, XXXX. I have contacted Resurgent Capital Services and they refuse to accept this. I also confirmed with XXXX XXXX they I only had 1 XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank ( Home Depot Credit Card ) attempted to send me a refund at the end of last year by transferring {$100.00} to my bank, XXXX XXXX XXXX. My bank rejected the transfer. On XXXX, XXXX, I received a Statement indicating that a payment of {$100.00} was due. I called on XX/XX/XXXX to explain that I did not receive the transfer and was told it would be corrected in 7 days. It was not corrected. Every month since I've received statements indicating that a {$100.00} payment was due, and every month I called to report the error, and every month I was told that the error would be corrected. I have spent countless hours on the phone futilely trying to get the error corrected. Last week, I was told it would be fixed this week after I faxed 6 months of Banks statements to prove that I never received the transfer. Today, I was told it will take 15 business days. There is no reason to believe them because I've been told that countless times. On XX/XX/XXXX, 10 days from now, Citibank will report " my '' late payment to the credit reporting agencies.

I have no written record from Citibank ( other than my notes of my calls ) because they do not issue a claims number for tracking. I have to rely on Citibank 's phone log and customer recordings. Citibank 's Customer Service system is broken. 

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 2023-07-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
Re : Letter to remove inaccurate credit information To whom it may concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months. 

Please send an updated copy of my credit report to the address on file. 

Thank you for your prompt attention, time and help in this matter.

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 2019-09-04
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage refi through BBVA ... XXXX XXXX XXXX XXXX named XXXX XXXX. Provided ALL necessary required documentation that was stated to be required, in addition to having a satisfactory middle credit score of XXXX, only to be purposely negligently mislead, represented and obviously XXXX XXXX reverse discriminated against by BBVA, it's underwriting department, and Ms. XXXX XXXX, per attached documentation, and dialog!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Personal information incorrect

Complaint:
I was a victim of identity theft and have a bunch of fraudulent addresses on my credit report. I keep sending letters for it to be updated by the bureas and nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I filed a complaint with you back in XXXX 2021 against Freedom Mortgage refusing to let me come out of forebearance and do a loan Modification on my FHA loan. I requested this 7 months ago from them, back in XX/XX/2021. You contacted Freedom Mortgage and then closed my case. I don't understand why you did this. They still wont send out my modification papers. They continue to lie to me, telling me the papers are complete and they are sending them.They told me in XXXX the papers were on the way to me via XXXX, but they never arrived. Then they told me on XXXX XXXX the papers were on the way to me via XXXX, but of course never showed up. Do you have attorneys I can contact to file a case against Freedom Mortgage before they cause me to lose my home???

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 2021-08-11
Company: EQUIFAX, INC.
State: MS
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 reached out to XXXX, XXXX, and equifax several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a claim for fraud on my account and they denied my claim and closed my account so they wouldnt have to pay me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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 602 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 explanation