BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
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: Didn't receive services that were advertised

Complaint:
Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " Chase Bank '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name XXXX 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 account  number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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 2017-04-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I called XXXX and Equifax in regards to the XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XXXX, XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called XXXX and Equifax, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: GA
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 previously lived at My current Address is XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses I would like removed from my credit reports : Experian 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 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 2022-07-20
Company: EQUIFAX, INC.
State: AZ
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 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 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 explanation
Consumer complaint received 2017-04-13
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Reporting company used your report improperly

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from XXXX XXXX  saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent Outsourcing a collection agency is attempting to collect an alleged debt for a cell phone carrier named XXXX. I have requested in writing that this collection agency provides document proof of this alleged debt and has failed to do so, but continues to send harassing letters to collect. They continue listing this alleged debt with XXXX and XXXX credit reporting agencies affecting my credit score.

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 2021-01-27
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My initial car loan was with XXXX XXXX. 

I had automatic deductions from my bank account to pay every month so that I wasn't late. 

I got calls from XXXX XXXX stating that I should be paying them. I was suspicious because I am a victim of fraud that took place earlier in the year 2020. I asked them to provide proof that they in fact took over the assets of XXXX XXXX. They said that they didn't have to and if I didn't pay them they would come and pick up my car for nonpayment. 

I would like proof that I should be doing business with Westlake Portfolio Management before I make a single payment. 

I know of cases where someone started paying a new 'mortgage company ' for 10+ years only to find out they were a fraud. And instead of having a home that was paid off they are now in foreclosure. 

There are a lot of scams and any company that is legitimate should happily furnish proof. Because that's how proper business is done. 

I never received any email from XXXX XXXX saying that I should now be sending my payments to Westlake Portfolio Management. I have attached screenshots of my last payment deduction and last correspondence from XXXX XXXX. There is no indication that Westlake Portfolio Management now holds my loan.

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 2017-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Upstart Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was offered an approved loan in the amount of {$1400.00}, with the single requirement that I submit veirfications my stated XXXX income from social security. 

I submitted my income verifications that I received from social security. 

The company then denied my already approved loan because a portion of my stated income amount is social security benefits that I receive for my minor children. The company stated that I was now being denied credit because " my income could not be verified because the income verifications I provided are not for my income and they can not use another person 's income. '' When I told the company that this income is MY income and comes in my name and is for my minor children, but that the income is mine to use, the company refused to respond to me. 

This company unfairly denied me an already approved loan because I receive social security for myself and my children. This is unfair to me, and I believe it is illegal. Also, it has adversely affected my credit score to be denied this loan after I was already approved for it. 

Please look into this situation with this Upstart company. I was approved for an promised a {$1400.00} loan if I verified my income, and I did exactly that. This company should be forced to provide me with the loan I was promised. This company should not be able to deny me based upon the fact our income comes from social security. That is discrimination. 

Letter of denial from the company : Hi XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - Income : We could verify {$11000.00} of your reported income. We are unable to consider this income since it is not in your name. Since we can not use co-signers or joint applicants, we can only consider income that is in your name. 

Unfortunately, these changes caused you to be disqualified. For more information on the status of your application, please log into https : //finwise.upstart.com. 

We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after a 30-day waiting period. Please note that you will need to use a different email address to reapply. 

If you have any questions, you can email Upstart Loan Operations at XXXX, or you can call us at XXXX XXXX XXXX XXXX. Our phone lines are open every day from XXXX XXXX XXXX, except XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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 have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2017-04-12
Company: Sterling Infosystems Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Consumer reporting agency reported negative information that is more than seven years old. Which is against my rights under the FCRA.

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