BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: National Recoveries, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
on XX/XX/2017 national recovery started the process of wage garnishment for a student loan from the us dept of education for the past year they have been taking 15 % from my paycheck I do not know who national recovery is I have never signed or agreed to do business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 90 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute this collection on all three credit reports but it was only taken off my XXXX  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 explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.

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 2023-09-13
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have a pending application with Goldman Sachs for the GM XXXX XXXX XXXX, I was approved ( I believe it was for {$6000.00} ) but my application is pending because they claim they did not receive a clear state ID. -- -- -- - I submitted a very clear and legible copy of my state ID, I read online that a covert way of discriminating against certain credit applicants is to deny them under the narrative that their document were not acceptable. -- -- -- I fear that I may be being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of  XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this

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 2017-12-17
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ACT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX 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.

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 2018-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was told that after I sent money through XXXX that I would receive the concert tickets I was purchasing. Once sent, the other person never responded and never sent tickets. Felt secure sending through XXXX because someone has to link their email, bank account information, name and phone number. Was given all of this information so how is there no way to reverse the transaction. Have reached out to chase within 5 minutes of money transfer, my bank, and was told that they will file a claim but that they can not reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A friend of mine phone was hacked and I received a message from her asking to send {$1000.00} to an email. I sent the {$1000.00} to XXXX. Hours later she tells me her phone was hacked and that was not her I called chase immediately but they told me I have to speak to someone tomorrow ( which is today ) when I spoke to a rep today they told that it is not there issue because I sent the money. How was i to know her phone got hacked and I was trying to help a friend? This was with chase bank. What happen to my money being FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX  Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted USAA and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA, XXXX XXXX XXXX XXXX and XXXX  have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
As I notified Experian before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself

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 2023-01-09
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and Equifax, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business days as stated under lawXXXX XXXX XXXX XXXX XXXX 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 2021-07-08
Company: DISCOVER BANK
State: NJ
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 got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, 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: Didn't receive services that were advertised

Complaint:
I went to Equifax 's website XXXX to enroll in the free credit monitoring service. I clicked on the " enroll '' tab and then the " begin enrollment '' button. 

The website presented a " Getting Started '' form where I put my last name, 6 digits of SSN, clicked " I 'm not a robot '', and then clicked the " continue '' button. 

The website then presented a " Thank You '' page saying : " Based on the information provided, we believe that your personal information was not impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXXXXXX. ". I clicked on the " enroll '' button. 

The website presented a form for XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I filled out the personal information, contact information, identity verification, and read the terms and conditions. 
I clicked on the " continue '' button. 

The website presented a page saying : " We have successfully received and are processing your information. Next Step : You will receive an email with a link to finalize your enrollment and activate your product. '' I have not received any email from Equifax. No attempt has been made to deliver an email from Equifax to my email server. No attempt was made to verify my identity using the phone number provided for " identity verfication ''. 

Equifax has not done what it promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, 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:
On XX/XX/XXXX I reviewed my credit report which had an enormous amounts of errors these errors as noted are in need of validation under FCRA 611 ( a ).

Accounts Validation Request XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00}XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} DISPUTE SHOULD BE XX/XX/XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} DISPUTE SHOULD BE XX/XX/XXXXBALANCEXX/XX/XXXXXXXX XXXX XXXX XXXX   {$1900.00} DISPUTE SHOULD BE XXXX BALANCEXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} DISPUTE SHOULD BE XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX {$1400.00} DISPUTE SHOULD BE XXXX BALANCE XXXX XXXX {$810.00} Validation XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief