BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Informative Research
State: UT
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:
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  Please remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with Experian twice already regarding every single student loan/XXXX  account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX as all of those are listed on my Experian report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Experian yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.

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 2020-12-14
Company: WorldRemit Corp.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used world remit to transfer money from my US XXXX XXXX savings account to my XXXX XXXX savings account on XXXX XX/XX/2020 - time XXXX. The money went out of my XXXX XXXX account on XXXX XX/XX/2020 - {$1000.00}. This transaction is reflected on my XXXX XXXXXX/XX/XXXX statement. 

This money never reached my XXXX XXXXXX/XX/XXXXsavings account with my local bank XXXX. 

I send a request to World remit on XXXX XXXX when this money was still not showing in my XXXX XXXX Savings account. World remit 's only reply to my was they are still waiting for their local partner for the information. 

I contacted the foreign currency manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that the money was never received in XXXX XXXX. She advised that I ask for a XXXX document. I've repeatedly requested this from World remit with out any success. Their reply was that they are still waiting for their local partner to respond. As to this day and after request on request to World Remit I have not received this XXXX. Neither my {$1000.00} back in my XXXX XXXX savings account or my XXXX XXXX XXXX savings account. 

World remit just sent my a message after 60 days that my recall was unsuccessful. 
I've started requesting about this transaction way before the 60 day window aloud expired - First enquiry XXXX XX/XX/2020 and still World Remit did not manage to get the necessary info from their local partner? 

I would greatly appreciate if this {$1000.00} can be redeposited into my XXXX XXXX account seeing that World Remit can not get any response from their local US partner - who ever this may be?? 

I've started requesting about this transaction way before the 60 days Your kind attention in recovering this {$1000.00} is greatly appreciated seeing that a {$1000.00} are a lot of money for a XXXX year old season worker. 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus, such as XXXX, XXXX, and Experian, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus, such as XXXX, TransUnion, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.

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 2021-05-12
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: Account information incorrect

Complaint:
Experian is reporting incorrect information on my report. I have disputed in writing several times and it always comes back as verified accurate. 
This account is reporting XX/XX/2019 and XX/XX/2019 as both 30 days late. It also reports as a {$90.00} payment was made on XX/XX/ 2019. 
How can this be? 
This is in violation and must be removed per the FRCA.

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 2022-03-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX  is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: TX
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 have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been called numerous times daily for months. When we blocked the number ( supposedly from  XXXX , Ohio  ), t elephone number is changed to another telephone number in the same  XXXX  area code. When answered there have been no responses, by person or recording, until today. Person with heavy accent denied calling from  XXXX , but said he was in  XXXX , Florida. Person said he was calling abou t Macy 's  account which was handled by Citibank. Provided address as  XXXX   XXXX   XXXX ,  XXXX , AZ. Today mailed cease and desist letter to  Macy 's. Telephone calls have amounted to telephone harassment in attempt to collect an uncollectible  debt.

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 2021-10-28
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan originator, XXXX XXXX XXXX ID # XXXX was unresponsive and misleading in describing cost associated with refinancing mortgage held with existing lender ( Freedom Mortgage, NMLS ID # XXXX ). Process was initiated in late XX/XX/2021 and concluded in early XX/XX/2021 when I declined to close without an explanation of closing costs that were added to loan without disclosure. 

Throughout the experience, Freedom Mortgage and their associates were unresponsive to multiple calls and emails

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 2022-09-11
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:
do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

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 2017-06-15
Company: ECMC GROUP, INC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called ECMC to inquire about a dispute -- spoke with  XXXX   ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named  XXXX   .    This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation.  XXXX  needs to be fired! and so does h  er Manager for not properly training!
Nevertheless, I do not owe   this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!

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 2021-10-28
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: Their investigation did not fix an error on your report

Complaint:
I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance 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 2022-03-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX " XXXX XXXX XXXX '' with the balance of {$1100.00} 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 can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling Experian, XXXX, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit 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 2017-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested information about a debt on my credit report I have no knowledge of. The company did not send me the copy I requested of the signed credit application for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Conduent Incorporated
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The state of Oklahoma issued tax refunds via Way2Go debit cards. For my return they sent two cards. One in my wife 's name and one in mine.

Cards were not valid until dialing in and selecting a PIN.

The included fee schedule indicates that they will charge {$0.00} per Customer Service fee after two free calls per month. Immediately after activating both cards my balance was reduced by {$0.00}. When I tried to charge the exact dollar amount/balance indicated by their system upon activation, the card was declined for insufficient funds. When I called to find out why my the account was again debited by {$0.00}. There is no option within the automated menu structure to speak directly to an agent. Apparently this is done to get you to continually call back and try to work your way thru their menu to find the correct combination. Each time a client does so they are able to charge them another {$0.00}.

I finally got the combination right by selecting the option to report a lost or stolen card. After you get thru the menu and are transferred to hold for an agent the line goes silent. You don't know if you are on hold or disconnected except by watching the call timer. I never did get to speak to an agent. No one ever answered.

Eventually I determine that I could charge the account for slightly less than the stated amount and was able to use what was left on the card. In this case a {$110.00} refund ended up netting me {$100.00}.

This is not about the amount. This complaint is being lodged because the State of OK and its vendor for tax returns are using predatory practices to bilk taxpayers out of their right returns by not simply issuing tax return checks. 

All this occurred on XX/XX/2020 The account numbers involved are : XXXX XXXX The ONLY customer service number is XXXX Website is WWW.GoProgram.com

Company response to consumer: Closed with monetary relief