BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: IL
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:
Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : TeleRecovery XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX regarding this account listed on my credit report : Original : Medical Balance : {$320.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/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 2022-08-31
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.

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 2021-07-26
Company: TradeStation Group, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had contacted a bitcoin broker. They claimed that they will would trade my funds and make a decent profit. They claimed that i need to invest additional money which would yield a larger return and cover the fees to cash out the money from my account. At this point i sent {$800.00} to invest. I was then told that the transfer into my account failed and they claim i would need to pay an additional {$1000.00} in fees and would yield a really big return. At this point i realize this is a scam and did not send additional money. They kept trying to push for me to send them money. I kept asking for my initial investment to be returned and to take the fees out of my profit. At which point i was told that they could not do that. It is not their policy. They kept trying to convince me that this isnt a scam and to provide them extra funds and it would be worth my while. I kept asking for my initial amount back and was told no. I dont want anyone else to fall into this trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX  credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX  days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2015-12-17
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Millco Management
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:
Spoke with someone name XXXX, she refused to allow me dispute the bill, when I ask speak to a manager, she raised her voice at me and told me no.. i demanded to speak with someone else she cursed mea out and hung up the phone on me. I called back pressed 1 and got her on the phone again. she told me to pay my bill and she wasnt transferring me to anyone,, i asked her last name she told me no and I told her was gon na record the conversation she said that she from Maryland and she don ; t have to have her call recorded and kiss her XXXX and hung up

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXXXXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # XXXX ( XXXX 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 cannon furnish an 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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/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 2022-04-08
Company: AVANTE
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I did a modification in 2009 and the company PHH Mortgage has never reflected my credit history to the three credit reporting agencies. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX Call toll free : XXXX Fax : XXXX. I have made all of my payments on time and I need this to reflect on my credit report. Because it is not there it creates confusion with companies that I am apply for credit with. I contacted PHH twice and was told that they would get back to me without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been paying Navient ( formerly XXXX ) loans for years, both for my own XXXX ( which is XXXX paid off ) and for my daughter 's XXXX school, XXXX College in XXXX XXXX. I have been receiving my statements via paper mail all of these years. Navient has stopped sending me monthly statements which is making it impossible to know how much is due, if the monthly calculation is correct, and making timely payments. I have repeatedly said I do not want email communication. Navient disregards my requests and sends out phony mail correspondence to me in order to pretend our conversation had a different subject, other than what I just described. Over the phone the phone reps acknowledge that monthly statements are not being sent, however when I asked for verification of their acknowledgement in writing they refuse. They harass me and my daughter at work with robotic phone calls even though they know they have not send out a paper statement. One such account XXXX all I get is quarterly payment letter reminders however I have no idea what is owed bc they have not sent me a paper statement in a couple of years. When I ask them who authorized a change with my account ( from receiving monthly paper statements ), they make up inconsistent answers to try and justify their actions of not sending me monthly statements. This is deeply frustrating, I feel harassed and feel this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used a money transfer service called Remitly and for the second time they state that the transaction Im doing is not or can not be completed but they have already taken the money out of my bank account Ive tried to reach them by phone via email text and XXXX  and they are not responding. They are responding to some people on their XXXX Asking them to send a private message but there is no other follow up to say that the problem was resolved. at this point I can not reach the company anyways phone text chat or email. They have XXXX dollars if they are holding until I can provide the more information but I can not reach them to do so they are not releasing the funds because I can not reach them I was able to reach them before but not anymore I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions 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 examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I seen some errors reporting on my credit report and filed a compliant.

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 2020-03-23
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:
I seen some errors reporting on my credit report and filed a compliant.

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