BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX LXXXX XXXX XXXX XXXX TX XXXXXXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-10-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I've been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn't been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " verified '' after your investigation. Now I am wondering if you really did an investigation at all. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in Pacer as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-13
Company: FinCo Services Inc DBA Current
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my deposit last friday into my new acct. That same day someone hacked into my app and changed the email, phone number, and added a co parent. Then siphoned out {$16000.00} within a cpl hours. This is not even possible for me to do as it was a new account and I hadnt even had my physical card sent out yet. I had a virtual card i cud do online purchases with and use on XXXX pay to purchase only. Furthermore the bank has a limit to how much money can be transferred out in one day of XXXX so how could I have gotten out XXXX by transferring. I have screen shots showing I was in the app chatting with a rep when i was receiving notifications with codes to access the app. Showing someone else was attempting to get into my acct when I was already in it. And only a hacker could bypass the banks set transaction and transfer limits i cant ... .. they denied my dispute. So im supposed to be out over XXXX of my PPP loan for my small business now. No way, ive waited months for that money so i could help my business stay afloat and someone stole it all in a few hours. I want to cry ... ..please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Eagle Recovery Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called with an attempt to collect a debt from XX/XX/XXXX. The debt collector confrimed my name and asked if my address was still XXXX XXXX XXXX XXXX XXXX. I let her know this was not correct as I moved in XXXX the collector explained I owe over {$300.00} to XXXX XXXX XXXX  from a contract. I let her know that I was not aware of this debt and I believe this had all been settled many years ago. I asked for validation of the debt which she refused to provide. I repeatedly tried to let her know that I had not lived at the address provided at the time of the supposed debt and that I had no knowledge and required validation. Again she refused, I let her know that I was not acknowledging the debt but would pay if it was validated as true debt. She took my current address and said she would mark it as refusal and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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 the following account names and numbers have violated my rights 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 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.

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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On Transunion I have multiple inquiries I have disputed and never authorized. They need to be removed from my report immediately. XXXX has fixed theirs since I was part of the breach These ones I did not authorize XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX  Finance  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance

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 2021-11-28
Company: DISCOVER BANK
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:
Victim of identity theft. I have Reached out to the company and credit bureaus XXXXeveral times letting them know what happened so it could be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX XXXX XXXX ( Bank ) XX/XX/2022 - TRANSUNION UNIVERSALCIS ( Miscellaneous ) XX/XX/2022 - TRANSUNION

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 2023-06-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have contacted discover card every month since XX/XX/2023 asking them to stop going in to my account taking XXXX dollars without my authorization. My account doesnt have auto pay. discover i has refused to comply. they are violating my rights under FRCA. 15 usc 1861 n i - wilful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: The Day Law Firm, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Following fraudulent activity on my HSBC Premier Mastercard, HSBC has recovered the amount from XXXX ( from which the fraudulent charges originated ), but has applied late fees, penalties and interest. Following a phone call with customer service, HSBC has confirmed they would credit them back and that the balance would be purged back to XXXX. However, days later a notice of late payment was sent to my home urging me to pay back the amount outstanding. Not only is this fraud, but following this I tried to call customer service again and have been unable to reach any other department than the collections department and any messages I have sent through my online account have been automatically replied to urging me to contact the collections department. The collections department 's bullying tactic involves questioning to obtain as much information as possible, refusing initially to transfer me to the fraud department, and once transferred I was first dropped to the main standard again, which reminds you of the balance outstanding and only gives you the option of making a payment. After calling the collections department again, I asked to be immediately transferred to the fraud department, and was put on hold for an hour while I had just been transferred within a minute hold and dropped 10 minutes earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX incorrectly reported a 30-days late payment on a credit card balance of about {$10.00} in XX/XX/XXXX. XXXX recorded this incorrect information and I discovered this some months later and disputed it. XXXX told me I had to pay {$4.00} a month for credit monitoring in order to get any information corrected, then go to XXXX to resolve the issue. I opened a dispute with XXXX and they found in my favor in a letter dated XX/XX/XXXX. XXXX then reported this to Experian, and I also sent the letter from XXXX finding in my favor to XXXX XXXX then closed the dispute with the incorrect information still in there and continues to bill for their " credit protection '' with a strong implication that more severe negative mistakes will show up on my credit report if I do not. This has already likely cost me a higher interest rate on a mortgage refinance. Equifax corrected the bad information already without even asking for payment. XXXX is still working on it but hasn't ever asked for payment in exchange for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MO
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 after my dispute was done lowered my score XXXX POINTS!!! There was no changes made after the dispute was finished at all. They had no right or reason to completely ruin my credit. My score was XXXX as of XX/XX/2023 and as of XX/XX/2023 it was XXXX with no changes on my credit report except one good one as i paid down on my account. This is really WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I get ssi and my friend was my payee. Well my friend had everything of mine because I'm XXXX. When she took me to the bank to go get us a bank account for my ssi and ssa can go on there every month. Well the whole time i didn't know what was going on at the bank i didn't know what they where saying to us. Well we got a bank account. So we left and she my payee so i couldn't do anything about her having everything of mine. Well she put a check deposit into my account with someone else is name i told her she can't do that. She said i can't do anything about it because she was my payee and there not going to listen to me anyways because i was XXXX. So please help me out in take her to jail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates continue to falsely report that I owe XXXX XXXX XXXX  {$960.00}. I have had and continue to have a banking relationship with XXXX XXXX XXXX  to this date. I have a savings, checking and credit with XXXX XXXX XXXX. I repeat, all my XXXX XXXX XXXX  accounts are current and up to date.

Company response to consumer: Closed with explanation