BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont know what happened I know I was in XXXX in Georgia in the Ga XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. This debt is not me I did t open any account whatsoever. This is identity theft and fraud and if this company and the creditors dont help me resolve this issue in going to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NC
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 is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was made aware in XXXX of XXXX when I attempted to open a regular credit card with USAA Savings Bank, that I had already had an open credit card with USAA Savings Bank with a {$15000.00} limit and a balance of {$11000.00}. I immediately let USAA Savings Bank know I did not open or authorize this account and that it was opened fraudulently. After further investigation, I discovered USAA Savings Bank used my SSN to open an account for my father and put me as joint responsible party. It was my understanding USAA was to take the credit card out of my name and report to credit bureaus. I gave my father and USAA a grace period to resolve this matter. This action was not taken by either USAA Savings Bank or XXXX XXXX XXXX XXXX. I found out the card was still open in my name taking my available credit away from me for my use and given to my father, I found out on XX/XX/XXXX when I attempted to refinance my home, and I was denied, I asked my refinance mortgage lender to pull a hard copy of my report so I can see what is on my report holding me back, and its the still opened credit line extended fraudulently to my father under my SSN in the amount of {$15000.00} that reflects on my debt to income ratio disqualifying me for refinance. I escalated this matter to USAA Member security and had a case opened, I requested communication from USAA Savings Bank Fraud department several times, on XX/XX/XXXX no response, on XX/XX/XXXX no response and on XX/XX/XXXX. I filed a police report against my father and USAA Savings Bank with the City of XXXX Police Department Incident number XXXX. USAA Member Security Employee XXXX XXXX XXXX recommended I file a complaint on this system. I spoke with an employee with CFPB on XX/XX/XXXX his name was XXXX he referred me to the Federal Trade Commission, he provided me with their phone number he recommended I file a report with them, but if I still wish to, I can file a report with CFPB which I am. My supporting documents will be from XXXX when I first discovered the fraud and a current hard credit report showing the open account with USAA Savings Bank account number XXXX XXXX XXXX XXXX still on my report as open, and consuming my available credit. USAA assures their customers that their identities are safe with them, we trust them, then USAA Fraudulently opens an account with out permission and use a SSN with out authorization to fund fraud, and is not working timely or affectively to resolve this matter with all 3 credit bureaus, I have given them opportunity to do so and was taken advantage of. 

Sincerely, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Unable to make payment online. 
When I try to make a payment, it shows : " Not eligible for XXXX XXXX. 
You dont have an account for use with XXXX XXXX XXXX Youll need to open a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of credit. Open an account ''. 

This is the first time that I have a credit card company forcing customer to open a banking accouint with them, in order to be able to make a payment. 

I have called and have XXXX add XXXX accounts, XXXX claim it is added, but it never appear on the online account. When I call back, they also do not see the account that was allegedly added before by their own XXXX 

Instead of addressing the issue, XXXX have anger issues.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
These accounts were reported in my information and are not mine XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/XXXX. At the time of closing my mortgage payment was {$4300.00}. Of that {$4300.00} the hazard insurance on the house was {$110.00} and the taxes on it was {$500.00}. The mortgage was pay on time starting XX/XX/XXXX till XX/XX/XXXX when the lender notified me that they did a escrow analysis and my mortgage was projected to be {$6100.00}. My mortgage payments were then adjusted to {$5400.00} for an extended period of time. I paid that amount until XX/XX/XXXX when I has personal issues. The mortgage was eventually modified after several tries and a lawsuit against the lender. Fast forward to today and I have had several structural issues with the house which made me revisit the documents related to the sale of my house. With regards to the lender I filed a complaint with CFPB regarding my loan and as a result they referenced the escrow analysis as if things were normal but then sent me an escrow payment ( which I had never received before for {$900.00} ). This piqued my curiosity so I visited the county treasurer to get the payment history on my taxes and what I found was disturbing to say the least. In XX/XX/XXXX the property taxes paid on my house by the lender {$220.00} which was very low for property taxes. Despite that payment the lender had {$3300.00} escrowed for taxes that it did not pay to the county. The following year with my payment being raised to {$5400.00}, the lender received {$18000.00} in money to be escrowed for taxes. That year along with the previously collected {$3300.00}, the lender was in possession of {$22000.00} in money escrowed for taxes. That year the lender paid {$8100.00} to the county treasurer leaving {$14000.00} in escrow. The following year with my mortgage being raised due to an " escrow analysis '' another {$9400.00} was collected towards escrow for taxes. For tax year XX/XX/XXXX the lender paid a tax bill of {$7900.00} leaving a escrow of {$1400.00}. Again, I reference the fact that up until the most recent escrow payment of {$900.00} I had never received an escrow payment before. The lender collected enough money in XX/XX/XXXX to settle any tax bills and an escrow analysis was over projected. The taxes collected from the original first payment letter would have had the taxes in XX/XX/XXXX short by {$160.00} a month and only {$150.00} in XX/XX/XXXX. Yet my mortgage was raised by {$1000.00} which more than covered the monthly projected shortage.
I have enclosed copies of the tax bills with payments, the original first payment letter I received at closing, and a copy of the most recent escrow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2017-02-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: OneMain Finance Corporation
State: SC
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:
Any derogatory markings from One Main inclusive of charge off needs to be removed. Due to failure to report for court proceedingsit was dismissed. Deceptive practices were then utilized a 2nd time to have me subpoenaed and further confirmed as dismissed. I do not owe this debt and it needs to be removed expeditiously. If supporting documentation is needed such as court documentation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
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:
Dear, Experian & CPFB I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And Proof of my Identification that was Used.

THIS IS THE 17TH TIME IM ASKING EXPERIAN TO CORRECT THIS ISSUE, THEY HAVE FAILED ME ALSO I HAVE FRUAD ALERT. NOT ONE PERSON CALLED ME TO VERIFY THESE ACCOUNTS BEFORE OPENNING. I BEEN OUT OF THE COUNTRY FROM XXXX. 
I HAVE BEEN FIGHTING THIS IN WRITING AND ONLINE FOR YEARS. I HAVE BEEN VIOLATED AND MY CREDIT RIGHTS HAVE BEEN VIOLATED. AND EXPERIEN WHO SUPPOSE TO PROTECT CLIENTS HAS FAILED ME AND MY ATTORNEY AND IS ONLY REPORTING A SCAM COMPANY AND ACCOUNT. 
THE OTHER CREDIT REPORTING COMPAINES SAW THIS WAS FRAUD AND REMOVED FROM MY CREDIT FILE MANY YEARS AGO, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed 3x on my report XXXXXXXX XXXX XXXX XXXX XXXX} As proof of my identity, I have been sent to Experian 17 times of my birth certificate, Social Security card, passport, drivers license. 
ATTENTION EXPERIAN IS WELL PASSED THE 30 DAYS ITS BEEN OVER 4 MONTHS, AND THEY KEEP GIVING THESE COMPANIES EXTENTIONS. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Please do not share my Personal information or Identification with any company, those companies I have been fighting to prove my Innocence for many years. The following accounts was FRAUD when I was out of the country. 
I have been going back and forth with these companies for years, many of them have sold the accounts after it was proven many times it was Fraud. They Illegally sale the accounts and it starts all over again. 
Sincerely, name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MN
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 act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX All Banks XXXX XXXX  Check Cashing Service XXXX XXXX Mortgage Reporters XXXX XXXXXXXX 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 can not furnish a account without my written instruction.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-11-22
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced recovery company had reported a collection to all 3 credit bureaus in the amount of XXXX XXXX I had asked for verification of debt multiple times since account has been reported. It was removed in XXXX XXXX XXXX. Then added back on my credit reports as of XXXX of XXXX. Since then, i have disputed the debt for being inaccurate, asking for verifications. XX/XX/XXXX i had asked, through XXXX customer support, to provide documents to verify my debt and they refuse to do so.

Company response to consumer: Closed with explanation