BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}

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 2021-07-29
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: Was not notified of investigation status or results

Complaint:
Hello, I need help with a dispute that I sent on XX/XX/2021 regarding some inaccurate things on my credit report. It has been almost 45 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$330.00}

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 2016-10-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was transferred to Nationstar from XXXX XXXX XXXX, Nationstar denied our loan modification because of XXXX reasons as my representative told me. 1. Negative NPV 2. due to our history when trying to obtain the previous modification ( with XXXX XXXX XXXX ) 3. we skipped a payment towards the end of our previous modification that was up late last year. 1A-Our NPV is negative and not passing mainly because Nationstar is not willing to extend the term of the loan, not willing to defer or forgive anyting. We owe over XXXX and the value of the property is XXXX. The only term they are entertaining is 234 months 2A-when we tried to get the previous modification, we were in review for a long time, IT IS NOT because we did n't want to make an affordable payment, it is because we were in a lonnnnnnnnnng review where documents went missing and got out dated and relationship managers kept getting changed. Additionally, while in review with XXXX XXXX XXXX, the loan got transferred. XXXX XXXX XXXX gave us the run around for years and would n't work with us. Nationstar gave us only one option, it was a 2 year Interest only loan which adjusted this year to Prinicpal and interest to 4.0 % principal and interest. We went from having a XXXX loan to around {$800000.00} loan, now ineligible for any government programs since our loan amount is over the XXXX threshold. Our payment has more than doubled, we are upside down, and nobody is willing to defer or forgive anything to help us. we know they do n't have to, but i ca n't help but feel whatever the lender is doing, or has been doing, is to collect fees, interest, until we hit the end. Why could n't they give us a step rate modification? or meet us in the middle somewhere? Instead we were given a modification that would XXXX, it now adjusts every month and we are over XXXX upside down. 3A- we did n't skip the payment, we did n't know what the payment was because we got several different mortgage statements with different payment amounts and it was not until the modification was over. There are phone records of these conversations when i called the bank regarding the statements and why they are all indicating different breakdowns, interest rates, and payment amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.

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 2022-07-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted complaint XXXX. Equifax responded to the complaint that the account I requested to be removed was not on my credit report. 

This statement was false. Attached is a copy of my report that I pulled in XX/XX/2022 with the account still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My debit card was lost and then about 10 minutes after I realize that I lost a debit card I got a notification on my phone stating that my card was used at a local retail store and was charged {$150.00} I contacted the store they did nothing about it I contacted my bank they told me that we're going to do an investigation we can't give you provisional credit so you're just out of luck for a whole nother month and basically I'm out of {$150.00} I did a police report when I contacted the police they told me oh okay we could go and see and look at the surveillance but we can't show it to you because I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was able to review mail received from Wells Fargo Bank notifying me that my account will be closing on XX/XX/XXXX due to an unauthorized ATM check deposit on XX/XX/XXXX that was made on my account that could not be processed. I called the Fraud Prevention Department for Wells Fargo and explained to the specialist that I received information of my account closure and reported that I was a victim of a robbery on XX/XX/XXXX informing them that my phone, wallet which included my ID, SS card and credit/debit cards were stolen and the check deposit on XX/XX/XXXX was not made by me. I informed them that I have a police report and video surveillance that can prove the transactions were not made by me and as it is still an open investigation. I asked the specialist how can I fix the issue or what are my options to correct the problem with my account. I was asked to be placed on hold and then when the specialist returned she asked me a series of questions related to receiving my temporary debit card, the card activation and pin. I did explain to her that I received a temporary card/pin at the bank that was activated and the pin was placed on the card by the Bank representative. I placed the card in my wallet and didnt think anything of it since there was no reason for me to use the card at the time, so I did forget the pin was attached to my card. I was advised due to the inactivity of the account and the pin since the pin number was not removed from my card it is determined that I am high risk to the bank and my account will be closed as scheduled. She also mentioned that there was a previous account opened in my name for three months that I was unaware of that was closed for inactivity. 

I opened my bank account with Wells Fargo in hopes to be a loyal customer and to complete all my banking needs during the process of me becoming employed and needing direct deposit. In the attempts of me finding employment my jobs fell through which is the reason for the inactivity on my account. I explained all this information to the Fraud specialist whom I felt had no understanding and continued to advise that my account will be closed and I will need to go to another bank to open an account. I was not offered the opportunity to appeal the decision or to provide documents of any sort to provide my case to prevent my account from closing. I am very dissatisfied with the customer service I received especially after the traumatized as a victim of a robbery and to be told that I am losing my account was disappointing.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a car in XXXX and it got wrecked in XXXX car was totaled but i guess whoever the bank had come look at the car said that it wasn't a total loss so they had only received a check for {$6000.00} of the {$10000.00} or something that was left but whoever deemed it not a total cost made it toward the gap insurance never got triggered for the last XXXX or XXXX XXXX that was left and the company that something the check isn't even in service or anything anymore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NV
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:
Equifax has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administor of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 usc 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get Equifax to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 usc 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to Equifax furnishing such information to third parties. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to Equifax with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that Equifax is in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Security Credit Services, LLC
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  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lowes ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$2200.00} ( see attached ). However, on the credit report is reads : {$2300.00}. Therefore, this account should be removed from all credit reporting agencies.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

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 2018-06-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper never reach out to me concerning my HAMP Loan Modification I applied for in XXXX, instead I am getting a foreclosure sale notice letters six of them which I received on XX/XX/XXXX. Mr. Cooper who has registered as a mark service for Nationstar Mortgage still operating its business as Nationstar Mortgage severally in the past has asked me to submit the same documents over and over again which were promptly submitted but were never used for the purpose intended, that is to be used for the modification of my loan. Instead Mr. Cooper gave me the run around, engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification. Mr. Cooper never conscientiously tried to help me modify my loan so that I could stay in my house. Instead, Mr . Cooper engaged in looking for any rabbit hole it could find, all in an effort to justify itself why it could not modify my loan. Is even more worst now not giving me any logical reason why it has scheduled a foreclosure sale on my house for XX/XX/XXXX. It is very obvious that Mr. Cooper 's goal is to sweep my HAMP Loan Modification I applied for in XXXX under the rug. Mr. Cooper can not unilaterally resolve my HAMP Loan Modification because the HAMP Loan Modification Program guideline specifically said that to resolve a loan modification under the program it has to be bi-laterally resolved and no unilaterally resolved. To do so, is in a violation of the HAMP Loan Modification Program guideline. Mr. Cooper again is violating the Virginia Bankruptcy Law by constantly touting me with a Voluntary Payment Coupon in the amount of {$450000.00} which is illegal. I filed for bankruptcy XXXX and my wife filed in XXXX and both were discharged. The XXXX XXXX XXXX  in the foreclosure sales notice letters I received from the Trustees claimed that it enclosed advertisement as published in XXXX XXXX XXXX  about the foreclosure sale which is not true. I could not find any advertisement in any of the six letters I received from the Trustees.

Company response to consumer: Closed with explanation