BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: Coastline Financial Resources, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from XXXX XXXX of XXXX. They left a voicemail on my phone as well as my ex wife. 

" I have official documents being delivered to XXXX XXXX XXXX XXXX ... Sine your social security number has been attached to the documents under federal law we are unable to deliver at that address verification. You must contact the original firm at XXXX Ref XXXX '' I have not lived at that address since 2006. The blocked the number they called from and then called my ex wife and left the same message. They do not identify themselves as a debt collector. When I called they refused to give me any information about the debt or their address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Branch Messenger, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX XXXX and XXXX transaction was done on my card at a atm, i didnt realized it until almost a week later, i only used the card to make payments over the phone and i card hasnt ever been outside of my home, i have money direct deposited there for over 6 months and never used the money, once i used the card, this happened, i have been back in forth and no resolve me, i made a police report, and as well sign a notorized statement stating i knew nothing about the transaction, you cant ever get through to anyone on the phone, and if by chance you do, they cant understand anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This complaint is to address the validation of information on my credit report obtainting to a Chapter XXXX bankruptcy that shows filed in 2010. Transunion is showing information on a bankruptcy filed in 2010 with an Indiana Bankruptcy court to which I have no recollection of this information nor do I agree that it is accurate. I have been mailing and faxing documentation to Transunion requesting information on this account to which they have not provided nor validated this account. I have also been in contact with my local clerks office and the court that they list on my credit report and have recieved documents from them. These documents state that they do not validate this information and they do not provide information to the credit bureaus. I have asked that they show me documentation on the process they have used to validate this information is mine to which I have not got a response too. This company fails to validate this information and now will not allow for me to continue to investigate or dispute this information. Please look into this validation of information and correct the errors.

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 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I called the state of CA and was told that the tax liens were filed in error ( I was even refunded by the state of CA ). I was advised by state of CA to dispute this filing error with the credit bureaus to get it removed. So, I did. all that happened is " new information result, which I have no knowledge of what that info is. I mailed XXXX letters to the recording clerk in XXXX XXXX county who never replied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I called to cancel my TransUnion credit monitoring service 2 years ago. Despite being able to sign up online, they did not offer a way to cancel online. During the phone call, i got verbal confirmation that my service would be cancelled and that I would not longer be charged ... however this was only after me repeating " please cancel my service '' for 20 minutes while they recited a sales pitch. Just today, I looking at a statement from an old credit card I realized they never actually cancelled my service. This is 2 years of $ XXXX/month that they have been charging me without my consent.

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 monetary relief
Consumer complaint received 2015-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please issue a formal statement for Balance Charged Off or Owed Customer 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts XXXX different institutions. I have locked all my credit bureaus.

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 2016-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I order a free copy of my credit report on XX/XX/2016. Upon checking my credit report I noticed that there were inquires done as if someone is trying to use my information. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not inquire about any credit on these dates listed on my credit report. Although, I know it stated on my credit report that it does n't affect me I am convince someone is trying to use my information to obtain credit or tangibles. How do I stop this? In about an year I want to purchase a home and I do n't want any of this on my report at the time of purchase to affect me. I have several vehicles that are paid off so I was n't at anytime trying to purchase another vehicles. I am disputing other items on my report so that 's not an issue. The issue is someone is trying to use my information.

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 2017-01-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Several weeks ago I used a Public Library computer ( @ XXXX ~ # XXXX ) to request all three credit reports from www.annualcreditreport.com ~ I was not successful in my attempt ... so, I called the attached telephone number and ordered all three credit reports once again ( or so, I believed ). On XX/XX/2017 I received via @ USPS first class mail a credit report from @ XXXX and @ XXXX but @ Experian_US only sent a letter stating I had already gotten my credit report from their company. I have tried to contact @ Experian_US ( XXXX ) without any assistance in resolving my issue. @ CFPB Please help me retrieve a copy of my credit report from @ Experian_US.

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 2016-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I disputed information on my Experian Credit report that did not belong to me. There were XXXX adverse accounts from XXXX that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XX/XX/XXXX I received a mail correspondence from Experian, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XX/XX/XXXX I logged in to my Experian credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with Experian on XX/XX/XXXX to get these items removed. I received a response from Experian on XX/XX/XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, XXXX that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that Experian has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.

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 2016-03-28
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There is incorrect information on my credit reports that I wish to dispute. My lender agrees and intends to correct the information, but needs to receive the dispute electronically from the XXXX credit reporting agencies. 
I was able to start disputes online through both XXXX and XXXX. However, when I tried to start an online dispute with Experian, I received the message " We are unable to honor your request for a credit report online. '' Information about how to dispute by mail was provided but no telephone information. Eventually I found a number to call, but there was no way to talk to a live person. I was hung up on several times by the automated phone system as I tried to navigate the system. 
Eventually, I was able to order a copy of my credit report by mail. Now I have to wait up to 10 days to receive a copy by mail, when I already KNOW there is an error and want to start an investigation. I will keep trying to initiate a dispute online until I receive my copy in the mail. This is costing me valuable time, because I need XXXX to send the dispute to my lender, who intends to correct the information. 
If the Experian system is not able to process online requests for credit reports, there should be an option to talk to a live person.

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 2020-12-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have a continuing, extensive, and well documented identity theft. Going back 14 years when I was age XXXX. Equifax refuses to allow me to receive my annual report, and denying me the right to dispute false information. Since 2010 I have attempted and been denied online, and via telephone, due to my inability to answer questions pertaining to my report. Who did I get a car loan from? Who is my morgatge company and payment etc. Information I would know nothing about as it was not me. Not have I ever applied for these products. XXXX and XXXX at least allow me access by sending in verifying documents, and file disputes with them. All items I have disputed have been found to be fraudulent and removed from my other reports. This is wholly unacceptable and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 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 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 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 2015-11-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After I graduated from college, I was unemployed for 8-10 months. During this time I would get a lot of harassing calls from Navient. They set my monthly payments to $ XXXX for my student loan payment. I was unemployed and there was no way I could pay that amount. So I called and called to get a better rate, during this time they sent me to a debt creditor. Now I am a college graduate with a credit score of 500 ( due to Navient student loan ) and unemployed. So this put me on hold from getting my Federal Clearance. Now I ca n't get this good job on the XXXX and I ca n't receive a Top Secret Clearance because of my poor credit score. 
Navient then sent me to a debt collector called ( XXXX ). XXXX was the worst headache of my life. They first tell me, I ca n't become current in payments until I make ( 9 ) consecutive payments/months. So this means my credit will be awful for at least a year. So I begin to make the payments, now my total loan amount is creeping up daily. After the third payment, they stop collecting my money. I call daily trying to make a payment, they then tell me I have to start my program over because I missed payments ( payments they REFUSE to take out of my account ). 
So then I consolidate my loans, so no more XXXX. So I become current in my ( {$83000.00} loan ). Mind you my school fees were $ XXXX, so I have no idea why I am paying {$83000.00} and this is not including my Masters Loan. So I am trying to set up a payment plan Navient. The payment they tell me is $ XXXX, so we come to an agreement to pay {$230.00} after I sent them my monthly bills and income. Now I am still unable to acquire a Top secret clearance, my loan is increasing Daily, and now they only take the money out for the first month. Then I check my statement again and they never continue to take the payment, so my credit score will never increase and this is just a big head ache. I just wanted to go to school and become successful, I never thought the result will mess my credit up so I can now never receive a Clearance, buy a house or a car.

Company response to consumer: Closed with explanation