BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: NAVY FEDERAL CREDIT UNION
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:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE DELETED FROM MY 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 2021-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at XXXX. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called XXXX and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from XXXX in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with XXXX and I never made transactions at XXXX where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of XXXX and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the XXXX " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to XXXX 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. XXXX did not protect me or my funds. For XXXX to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to XXXX 's negative reporting to the credit agencies. I want my name cleared and charges brought against XXXX for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans XXXX XXXX, 2016 All we did was put in our information, like they asked, to see what deal they could offer us in case we decided to refinance our home. Nothing ever came of it. We did n't even talk to them. This is not applying for a loan. We checked with several companies to see what they had to offer. They should n't ask you to see what we can do for you if that mean messing up your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.

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 2018-01-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017, My Coinbase account ( under my email : XXXXXXXXXXXX - Case Number # XXXX ) was unsuspectedly suspended. It is most likely due to a faulty chargeback from my bank. Since there is a debit in my account, I have tried depositing the proper funds to unfreeze my account. When I submit to deposit the proper amount of funds - it says the payment was cancelled yet my account says there is {$0.00} of debit I owe. So after, when I found out Coinbase has cancelled transactions with that bank account associated with the chargeback, I tried setting up another payment option, which I have verified through Coinbase. Since it still only says {$0.00} owed my account is still frozen and I can not pay off the original debit of {$700.00}. I have contacted Coinbase support via telephone and they told me my ticket was placed with a department specialist on XXXX XXXX. They have locked me out of my XXXX account so I can not even log-in to see my funds, which I ca n't even see if they are even there. I have heard nothing from Coinbase support since. I either need my my account un-froze so I can transfer funds from my XXXX account to my coinbase account or re-instate my XXXX Checking to deposit the proper funds. If by the time this message is received by Coinbase and I was finally able to deposit the funds owed, then promptly un-freeze my account. Thank you. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has  blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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 status incorrect

Complaint:
To Whom it May Concern, I took out two private student loan accounts during medical school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Williams, Rush & Associates, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified in writing by collection agency Will-Rush regarding debt and it showed up on my XXXX credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Information belongs to someone else

Complaint:
For the past year and most recently XXXX of this year XXXX I have been disputing inaccurate information that was being reported by the credit bureaus transunion up till this point neither the companys sending over that information or the reporting agency have accurately and fully have addressed the problem they continue to disregard my attempts to clear my name and credit profile. I have sent numerous disputes challenging the accuracy of these accounts and them belonging to me which they dont Ive asked to be sent any information that was used to validate the alleged debts and to my efforts these have not been verified and to make things even worst are reporting names and addresses with accounts that I never opened.I dont even know how this is allowed to continue and is definitely illegal!

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 2018-01-10
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}. 
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX  HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX   state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. 
I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. 
We are stuck, lost, and in daily fear of losing our home. Please help us. Please. 
I just want to protect the home my mother left to me. 
I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
MS. XXXX said, i owe XXXX with XXXX XXXX XXXX but I already settled the amount with XXXX XXXX  XXXX. The amount i owed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Kashable LLC
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 previously written letters to notify you ( Kashable LLC ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. Kashable LLC Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, 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