BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from TransUnion, XXXX, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2019-11-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I'm a XXXX veteran and keep receiving calls from XXXX. They claim to be contracted with the Department of Treasury. 

They are attempting to collect on VA benefits. Approximately {$1000.00}. They called on XX/XX/2019 at XXXX XXXX. 

Their number isXXXX. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX XXXX account has been restricted. I am not able to send or receive money. I can not see my statements any longer since calling XXXX  support and then interacting with XXXX  XXXX, twice. They stated my account can not be unrestricted due to unusual activity to which there was no proof. I have been using and paying off my XXXX XXXX card and have not received XXXX XXXX. I use XXXX XXXX in messages in order to buy things for my family and friends with their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Westcreek Financial
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: Account information incorrect

Complaint:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: I.C. System, 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: Account information incorrect

Complaint:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In the last 2-3 years, I have on numerous occasions clicked on applications for car loans, home mortgages and credit cards through Credit Karma when informed that I was pre-approved or had excellent approval odds, but was ultimately DENIED. My XXXX and XXXX credit scores have been devastatingly been affected. As a mother of XXXX, who has been working so hard to improve their credit, in an attempt to purchase my first home for my children, purchase a bigger vehicle or obtain a credit card without restrictions and larger credit limit or benefits, it is the ultimate let down to have your hopes up not only to be continuesly denied but for your credit score to drop in the 400 's and create hard and soft pulls on my credit. This is misleading and they should stop creating unnecessary stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
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 accounts 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 accounts 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 accounts which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX ) XXXXBalance : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$460.00} 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.

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.

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 2018-05-19
Company: Spero Solutions, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX - Now XXXX - used ambiguous language to get me to agree to pay an up-front service fee to get me on an income-based repayment plan with my student loan service. While they did do that, they led me to believe that a monthly fee of {$39.00} would be paid toward my student loans. In reality, that fee was not going towards my student loans at all, it was going to some random insurance company I never heard about at any point during my dealings with them. So, they got me to believe that I was paying {$39.00} a month toward my student loans using faulty language over the phone, and in reality that money was not going where they told me it was going. I just found out about it when I checked my payment history with my actual loan services ( XXXX XXXX XXXX / XXXX ), and a representative there informed me that there are many 3rd -party companies scamming people in this way. I filed a complaint with the FTC, and I'm seeking legal council, but I need to follow through with cfpb as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-09
Company: DApps Platform, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I created an account with TRUST wallet in XXXX of 2022, at the time I barely used it, it wasn't until XXXX that I decided to transfer more money to store my savings in crytpo, around {$4000.00}. 
On XXXX the XXXX of this year XXXX were stolen from my wallet Along with XXXX worth of ETH. I believe it is related to a vulnerabilty that the company admitted https : XXXX, since it fits the frame time in which said vulnerable accounts were created and how they were created ( through the chrome extension ). 
They are not only addmitting the issue, they have made some refunds https : XXXX I contacted the company in three ocasions, the first two times, they inquired further into the issue, and asked for information about the stolen funds, which I provided in full, including the hash containing the address that took the money XXXX In those two ocassions they closed the tickets and completely disregarded my claim without providing any information at all. 
The last time I contacted them was through the form that they provided for the people affected by the vulnerability, which was also disregarded but this time they said that since I didnt get a notification about the issue on my app, they could conclude that I wasnt affected by it and that I should feel safe now to use the wallet. 
I'm attaching the addresses from which the money was taken. 
This is all I can think of right now. 
Hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whomever Concerned Please Please understand that XXXX has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. XXXX  claim an account using my personal information was opened online. In XX/XX/XXXX XXXX claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that XXXX  has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX  XXXX. Again without any permissible purpose. XXXX- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXXXXXX XXXX XXXX IS CLAIMING THAT XXXX  HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT XXXX  IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: LD Holdings Group, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Through a second mortgage on the house, I procured the funds to pay off the loan with Loan Depot. I received a check from my current mortgage company in the amount of {$12000.00}. I called Loan Depot for the address to send the final payment to. I sent the payment to that address. I was waiting for a refund for the overpayment, when I received an e-mail with a notice of payment due. I called Loan Depot and was informed that they hadn't received the payment. When I questioned further, I found out I was given the wrong address ( XXXX XXXX - their previous loan service provider ). I've provided them a copy of the cancelled check. They will not credit my account for the pay-off that was made. They need to credit my account and refund the overpayment as well as the payment I made while waiting for the cancelled check.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Innovative Funding Services, L.L.C.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The company ran a hard report on my credit and I never authorized it. I have never even heard of this company. I received a denial for a loan from them. I have already secured a loan with my own bank and paid the dealorship and then i received this denial. The letter showed they ran a hard Lookup on my credit, and included my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Porsche Financial Services, Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act, PORSCHE FINANCIAL SRVC XXXX Account Balance : {$33000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: IL
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:
In accordance with the Fair Credit Reporting Act, JPMCB AUTO XXXX Account Balance : {$59000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/2022 I received in the mail a new PenFed Debit Visa Card that I never applied for and do not want. I called the number on the back of the card and was asked for my DOB and SSN at which time I hung up. I then went to the internet and found the PenFed website and reached out to their customer service. I was informed that there was no account associated with the card number and expiration date I provided. The card looks very real and even has a hologram and chip.

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 2018-02-17
Company: EQUIFAX, 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:
I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

Equifax has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AVANTE
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Nationwide Credit & Collection, Inc.
State: IL
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:
Today, XX/XX/XXXX, I received an email from my bank that something had gone to collections. I am unaware of any bills I have not paid, so I filed a report about it. Then, this evening, I received this email from XXXX : Dear Valued Customer, At XXXX, security is a top priority. We are reaching out to inform you that XXXX recently discovered a cybersecurity incident that affected some of your information. 

In late XX/XX/XXXX, an unauthorized third party acquired information from some of XXXX 's U.S. systems. On or around XX/XX/XXXX, we determined through our ongoing investigation that personal information of certain customers was affected. 

We have taken actions to secure the affected systems, and have engaged a leading outside cybersecurity firm and are coordinating with law enforcement. We want to assure our customers that the issue did not impact Social Security numbers or credit and debit card numbers, but in some cases, may have affected information such as name, contact and demographic information, date of birth, and product registration information. The information affected for each relevant customer may vary. 

At XXXX, we value the trust our customers place in our products and services trust that we have built up over many years. By working with industry leading experts, we will further enhance the security of our systems and your personal information and work to maintain the trust you have put into the XXXX brand for more than 40 years. 

We regret any inconvenience this may cause you and appreciate your trust in us. We have set up an FAQ page on our website for additional questions and answers along with recommended actions. 

If you'd like to check your credit report, you are entitled under U.S. law to one free credit report annually from each of the three major nationwide credit reporting agencies. More information can be found below. 

If you have any questions regarding this issue, please visit our website at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Personal information incorrect

Complaint:
Equifax credit reporting agency is giving hard time while I called and tried to dispute and remove an address from my credit file which does not belong to me. They asked almost 15 questions over the phone " in order to verify my identity ''. But before asking all this questions they've already verified my identity asking me my full name, my social security number, my date of birth and my current mailing address. They just waist American consumers times. They almost asked me to give a blood test to " verify mi identity ''. Whatever ... They are refusing to remove a former address from my credit file for no reason ( which is reporting in there but never been my former address ).

Company response to consumer: Closed with non-monetary relief