BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}

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 explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}

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 explanation
Consumer complaint received 2020-10-30
Company: Carvana Group, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Applied at Carvana to finance a vehicle. Process started at the end of XX/XX/2020, XX/XX/2020 documents were still pending, and several vehicles had been lost. Every time a new vehicle was added ( because the processing took too long on their end ) another credit report was pulled. During two month period that equaled about 4 credit hits from Carvana. At the start of the process credit was just shy of an 800. 
I met all the requirements to be financed through the company, credit score, verifiable income, proof of address. Every document that I send ( documents from my bank, documents from the government, etc ) were rejected at the end of the two months, with no reason given.

The real issue was that they did not want to finance the vehicle because I am a retired XXXX year old XXXX female. Carvana is practicing discriminatory lending processes, they know what XXXX you are before the process starts because they have your drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, My name is XXXX XXXX, and I am contacting you because I have been trying for over a month to get my money back that was deposited into an BBVA COMPASS atm, but not was not able to go into my account because the atm retained my money. On XX/XX/2020 I went to an outside BBVA atm in XXXX on XXXX XXXX to deposit money for rent a total of {$780.00}. I placed my card in and put In my pin. I went through the steps to make a cash deposit. Once I inserted the money the atm stated to please take unrecognized bills. I waited and waited for my bills to be returned, but it never did instead the atm prompted and asked if I needed more time so I push yes because I had not received any of my money back. I waited about 2 min again until I was asked the same question, then I pushed no because at this time Im frustrated and was going to deposit it at another atm since that one was not working properly. Once pushing no the screen read Please take your chase it is being returned so I waited for my money to be returned. But it never was about 3 min later the screen read your funds are being retained, please contact customer service for further assistance and had given me the 1800 number. I did not receive a receipt or anything so I'm lost at this point. I called, but being that it was a Sunday the banks were closed so I decided to call that following Monday the XXXX of XXXX. I called and explained my situation to the agent who answered the phone they put in a ticket for me I waited 10 days and called back on the XXXX of XXXX for them to deny my claim and say that I never used my atm card that day nor did I make a deposit that the atm funds were correct. I was upset because I know for a fact, I placed my money there I explained to the agent that I did in fact make the deposit they can check the cameras and see me there see the cash in hand seen all my movement. Another ticket was placed to further investigate ( or so I was told ). On today I called back the XXXX of XXXX to be told that the second claim was denied as well. At this point I am furious. I work hard for my money for it to be given away to a bank. I have placed a 3rd ticket, but I have decided to contact you guys because this is too much and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I sent a rent application, then on XX/XX/2020 it was approve by a lawyer and was told to deposit money to secure until I would be able to move in. I sent the money {$1600.00} via XXXX  XXXX  and was told the keys and documents of the home would be sent overnight. I waited but nothing came I then looked their number up and it appeared on a scam website along with their name. I texted them on multiple occasions without a response, I have called them and also tried requesting my money back but she declined it and then blocked me on the app. I have filed a fraud claim with my bank XX/XX/2020 I sent them many screenshots from the day I filed the claim to XX/XX/2020 but was told they couldnt do anything in my favor because I used a third party app. I had also emailed XXXX XXXX  on XX/XX/2020 and XX/XX/2020 and they told me they couldnt refund me my money but I am able to file a dispute with my bank and they would be able to have the right people help me out. I called my bank again and told them if I could file a dispute but they told me it really wouldnt be necessary for me to file one because it would be very hard to get my money back. I made a police report on XX/XX/2020 as well and havent heard anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
I discovered my name was spelled incorrectly on my Equifax credit file. Also, there was an address on the file that I have never resided at. I contacted Equifax to report the problem after trying to log on using the Myequifax feature to complete the dispute, but was not able due to the name not matching my SS #. Once I contacted Equifax they told me that I was incorrect and that my name was correct on their file. After several calls and very unprofessional customer care representative, I was asked to fax documentation with my name and address. I tried to fax the information over 30 days ago to receive a continuous busy signal and failure to fax. I then contacted them and received a mailing address to send the documentation. It was sent, but still has not been processed. Upon my follow up I was asked to fax again. I tried that again today to only receive the same failure to fax message. After contacting them to make them aware I was once again questioned repeatedly about the spelling of my name and why I was not completing the process online. I spoke with three different customer care representatives, just today, XX/XX/2020 and was not able to resolve the matter other than being told to keep trying to fax or wait and see if the mailed documents are processed. This is unacceptable. Many links on their site do not work. I receive a message stating " requested URL rejected- support ID XXXX. I also asked for a telephone number, email or address to make a formal complaint and was told by a customer care representative that there is no external way to complain about service other than through the customer representative that I was speaking with. Part of my complaint is about the person I was speaking to. Finally, I am continuously being asked to upgrade my account even though I have a monthly plan and when I shared that I am not receiving the services paid for, I was told I was just have to wait until things are cleared up, yet I would still be charged for services. This is RIDICULOUS. I appreciate an assistance that can be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Physicians & Dentists Credit Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CalXXXX XXXX XXXX Get so insurance company to have my policy cancel 2 months ago, Because I found some better insurance they are still billing me stating that I asked old the of money which I cancel my contract 2 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from my credit union ( XXXX XXXX XXXX ) dated XX/XX/XXXX that a levy had been served on my account in the amount of {$10000.00} and was debited {$2400.00} from both my checking and savings. They also included a copy of a judgment. I immediately inquired into the judgement and found that the debt owed was from the year XXXX. I was unaware of a balance due from that time nor did I ever receive communication regarding the debt, nor was I ever serveda a subpoena. The Plaintiff/Creditor is listed as XXXX XXXX XXXX who hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. As stated I do not know what this debt is for as it has been 13 years since it was first issued according the to judgment nor do I believe I am liable of this debt. Now I have been debited my year 's savings and need it back urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
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 ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states 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 2019-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
experian lower my score 61 points, nothing on their site is noted for this decrease 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 2018-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed all of the necessary paperwork to have accounts removed from my credit report that do not belong to me. Equifax has failed to respond to my request and investigate these accounts. This is killing my ability to buy anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX  and Trans Union via certified mail with tracking numbers which cost me approximately {$73.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

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 2018-03-01
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: Information belongs to someone else

Complaint:
I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely 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 2020-11-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Approximately 15 days ago I submitted a complaint regarding the extended fraud alert through Experian asking for this alert to be REMOVED due to the alert holding my credit score down and my ability to acquire credit. A week ago Experian responded saying due to the fraud alert they need proof of identification. So, Experian is again refusing to take off the fraud alert and continuing to hold my credit down. I want the extended fraud alert taken off! Experian is ruining my life, my next step will be a federal lawsuit.

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 2020-11-20
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced and transferred loan servicers from The Money Source to XXXX. During the transfer of service, The Money Source did not send over payments that I made after my XXXX mortgage to XXXX XXXX. XXXX XXXX is sending me statements asking for a XXXX payments with late fees. I know those fees will be waived during the 60 day grace period but my complaint is that The Money Source should have sent over the additional payments I made in XXXX because they were before the official transfer date to my knowledge. I have contacted both companies several times inquiring where those payments are at and also asking for an explanation on why The Money Source hasnt transferred those additional payments I made yet to XXXX XXXX.

Company response to consumer: Closed with explanation