BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NC
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:
am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 
The accounts and addresses and inquiries below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One- Opened XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ $ addresses XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 *** I HAVE XXXX TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 
Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from Transunion and saw that there was a new account in my name under XXXX for a credit card that I never activated. I immediately filed a dispute through Transunion and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted XXXX directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how Transunion can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.

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 2022-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check ( {$4900.00} ) from XXXX XXXXXXXX XXXX XXXXXXXX from my new employer XXXX XXXXXXXX to be used to set up my home office to my checking account at Chase on Friday XX/XX/2022. Chase put a hold on the deposit until XXXX but actually released the funds to me on XXXX. With the funds available I sent out payments to 3 vendors in support of my office set up. On XXXX Chase reversed the deposit and stated the check was no good. When I contacted them to understand why the check funds were released early ( I did not ask for the funds to be expedited ) they did not give me an answer but did state that becasue the check was no good, I was responsible for the {$4900.00}. They stated I would have to contact the issuer of the check to resolve. 
Had they not released the funds, I would not have begun the vendor payment process. I would have also been able to stop the fraud that has occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.

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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: NV
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 noticed a SYNCB/PPL account on my XXXX XXXX credit report a few months ago. I have never had any dealings with this bank nor have I ever applied for credit with Paypal ( PPL ). The report lists what I believe is an amount of credit extended and an amount due but it does not explain and I have never received any notification of this activity. It does however lower my credit rating. I called XXXX approximately XXXX months ago and my complaint was assigned a case # XXXX. I was placed on a conference call with XXXX XXXX of XXXX and a male bank representive of SYNCB and at the conclusion of the call was told that by the bank rep that it is a fraudulent account and that within 60 days it would be removed. Subsequently the balance disappeared but the account remained on the XXXX online " XXXX XXXX '' report. In XXXX I noticed a new unpaid balance of approximately {$1000.00} on the report which again lowered my credit rating. I called XXXX again and was referred to an XXXX representative, XXXX XXXX , with a case # XXXX. On XXXX XXXX she gave me a dizzyingly long list of reports I needed to file and contacts I needed to make to file a complaint. Today I tried to follow up with XXXX online and was given another report # XXXX for obtaining information. However I was informed that getting information would require that I have a long list of identification documents that I do not have, : government-issued ID card, such as drivers license, copy of utility bill, etc. I am a retiree and for the past XXXX years I have been a full-time traveler in countries not in the U.S. I have a U.S. passport, a Social Security card, and a mail-forwarding address in XXXX XXXX , Nevada. I do not own property and have no permanent residential address anywhere. 
Your help is requested in removing this fraudulent account from my credit report. 
I can be reached at XXXX, or by phone at my current temporary location, XXXX XXXX XXXX ( through XX/XX/23 ). 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 2023-07-04
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some medical lab work was sent to XXXX XXXX XXXX XXXX, Texas- without my expressed permission or my knowledge. 

I wasn't told any lab work of mine would be sent to XXXX. 
I wasn't asked to give my permission to send any lab work of mine to XXXX. 
The physician DID NOT inform me any lab work of mine would be sent to XXXX. 
I was not informed XXXX would be doing any testing and thereby violating HIPAA laws. 
Any further communication should be with the doctor and the lab. 
I believe this bill violates the Surprise Medical Billing law passed into law : which basically states : The federal No Surprises Act became effective XXXXXXXX XXXX XXXX. It established a federal law prohibiting balance billing for out-of-network, self-pay, and uninsured patients from certain surprise medical bills. The law also created patient price transparency rules by requiring certain physicians to provide their patients with good faith estimates. 
XXXX continues to send late notices and now, the collection service from XXXX, MA is getting involved. 
This action of XXXX is now harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TN
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2021 XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account.

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 2023-03-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: SOUTHSTATE CORPORATION
State: SC
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 got denied a checking account because of my XXXX  XXXX  credit score... etc. 

South state bank denied my application for a checking account Because of my XXXX  XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX filing a complaint against Nation Star Mortgage this is my third request with this company noting is being done to resolve the problem i have with this company they are horrible and difficult to deal with Nation Star has on my credit that i have a first mortgage home equity loan i have never had a first mortgage line of credit this is preventing me from doing anything financial with my home i had a second mortgage and it was paid off i have the documentation for that loan i want this problem ti be resolve with this company i am tiered of going no where with this company please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to get loan modification for lower rates to no avail. I keep sending same info, they keep asking for. I tried to make payment until loan approved but they do n't allow that. This puts me in the foreclsure process instead of helping. I 'm currently at 7 % when other places are half that rate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested loan refund in XX/XX/XXXX. FULL loan balance was restored and I received a PARTIAL refund in XX/XX/XXXX. {$9300.00} refund is still missing. Allegedly, check was issued by treasury department but lost in the mail. Requested check to be cancelled and re-issued in XXXX of XXXX and was initially assured that it would take approximately 2 weeks. Called to follow up countless times since ( at LEAST once per month but often more ) and have been assured each time that the refund is being worked on. Eventually, in XX/XX/XXXX, I was told that nobody at Mohela ever submitted the request but that it was done at that time and would take UP TO 90 days for me to receive a refund check. I was told that my loan balance could not be accurately updated since the refund process was started even though I have not received the money back. It is now XX/XX/XXXX ( past the 90 day mark ) and I have not received a check. I called Mohela XX/XX/XXXX and was told the check has NOT been re-issued still. Mohela still refuses to update my loan balance. My credit rating has been affected by this inaccurate debt-to-income ratio as well. It has now been approximately 11 months since I first requested a refund and 5 months since I requested the re-issued check and for my loan balance to be corrected. Mohela has only ever responded to messages by stating that they need more time to look into my issue and that they have up to 15 days to respond but have NEVER reached out to follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-10
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:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} ENHANCED XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: The Savings Group, Inc.
State: MA
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:
On Monday XX/XX/XXXX, I saw two credit checks on my credit report that I did not recognize but it was too late to do anything. On XXXX morning I received a call stating that I applied for an auto loan refinance with 'rategenius ' and that they had pulled my report and were calling me to follow up. I informed them that it was not me and they said that the info came from rate genius and I would have to follow up with them. I followed up with Rate Genius and informed them that my identity was stolen and asked them to provide me the authorization they claim they received from me to give my social out to different companies. They claim that this is proprietary information and they are unable to share it with me. They refuse to take the credit checks off my report and refuse to provide me with any evidence that I provided authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have agreed to do a standard short sale with Nationstar. After my agent has submitted a solid offer with a solid Buyer and the lender conducting a BPO on the XXXX of XXXX the lender ( nationstar ) is trying to force me to go thru an Auction Process of which will scare by buyer away as they will withdraw their offer. Conducting an auction that makes no sense after having received a solid offer. The property has been on the market for almost 1 year and we finally have an offer to close quickly and now they want to force me to allow an auction. How can a lender who has no legal right to conduct a sale on my property force me to participate in such a ridiculous action and cause me to lose the solid buyer i have in place. Also, to make matters worse the 2nd Lien Holder foreclosed on the property on XXXX/XXXX/2017 but has agreed and allowed me and my agent to continue Negotiations and proceed with Nationstar for a STANDARD Short Sale. Not an Auction from a Vendor/3rd Party who will try to sell something they have no legal right to sell. What an Absurd practice that they are trying to force upon me. I know a few other individuals who have had gone thru the short sale process with NationStar and none of them went thru a forced auction. This Practice in my Opinion is wrong and should be looked into. Please help bring Light to this Situation as they seem to be on a one track mind and are adamant about either going thru with the Auction or they will decline the file. please see the attachment that was sent to me this morning stating the above.

Company response to consumer: Closed with explanation