BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the Equifax data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: GA
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:
The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX  {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX   XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX  {$680.00} 6 ] XXXX   {$71.00} 7 ] 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 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While Trans Union was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And Trans Union SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, Trans Union should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in 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 2019-08-26
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:
The following account does not belong to me and I'm asking that it be removed immediately. I have kids with the same name but its not their either. The only thing I could think of is when my wallet was stolen., so maybe this is the doing of some perty thief. I'm demanding that this account be removed from my credit files. 

1 ) XXXX XXXX XXXX {$440.00}

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 2020-08-25
Company: COAST PROFESSIONAL INC
State: CT
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:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named Coast Professionals. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with  XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by Coast that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

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 2020-09-10
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted the mlo XXXX XXXX to get an update on my mortgage and for to explain to me what's going on. This has never been explained to me and the mortgage broker has refused to call me back etc.

Today I called and this MLO insulted me and told me that I am not the one with a foreclosure and a bankruptcy on her credit ... 

I can not believe of the complete unethical behavior in her position that I have to wait as this is an affiliate of the builder and if I don't wait they will keep my deposit towards the home. I contacted the builder but they have not called me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Disbuting Alleged Late Payment on Credit Card SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX DATE REPORTED Individual Account Revolving Account CHARGE ACCOUNT Balance : {$0.00} Company named above claims that I paid the balance 30 days late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that paid my balance late in XX/XX/XXXX. 
This company has failed to show, what item or service I paid late for. How or what item or service was purchased and paid late for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation, since the account was opened in XXXX ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items and/or using their credit card ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such late payment reporting. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and 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 2019-08-26
Company: Experian Information Solutions Inc.
State: MI
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 am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( XXXX ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet XXXX  ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to XXXX. I had this same issue with XXXX in 2016 however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You

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 2019-08-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. 

THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! 

THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: LA
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 FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, EXQUIFAX, XXXX AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TD BANK US HOLDING COMPANY
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:
Hi there, I just checked my credit score on XXXX. My credit score was XXXX points and my new updated score is fall by 55 points as XXXX points now. I am good with pay off my credit card on time. I never miss any payment. When I checked details of credit report.And, I got to know that someone pulled my credit report without knowing me. The company name is TD auto finance. Please help me to get my credit score back. It is supposed to go higher this period. But it falls below 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion and XXXX have not removed fraudulent inquiries from my 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 2017-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When PennyMac bought our loan they did n't accept bi-monthly payments like our previous company. We were not notified of this until we called about fees we were being charged. So it showed as late payments. Then we were offered a modification. When it was explained to us, they told us not to make payments certain months and then make partial payments other months. We were told that once the modification was finalized that all negative markings would be wiped off of our credit report. We were told the loan would be shown in good standing with no blimishes. They show the loan in good standing but all of the negative reported is still on our credit report. It is still effecting our credit score 4 years later and they continue to say they ca n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Upgrade, Inc.
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:
XXXX XXXX adv this upgrade cr card, but it wants you to put in your banking info, i refuse as it supposed to be a cr card not a loan. They want to put the funds in your bank account. to make it a loan and start charging inst rest right away

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Kriya Capital, LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently submitted a complaint regarding my XXXX XXXX  - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief