BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by identity has been stolen when my wife tried adding me to her lease and was denied. This person has my name, birthdate, and social. They rented an apartment that has an eviction collection sent to XXXX XXXX of {$6600.00} opened XX/XX/XXXX. An XXXX XXXX XXXX collection sent to XXXX XXXX XXXX of {$350.00} opened XX/XX/XXXX. A policy with XXXX applied on XX/XX/XXXX but a representative said has been closed. I filed a police report case # XXXX. I submitted my case to the federal trade commission who set me up an ID theft report with identitytheft.gov. Through credit karma Ive disputed the apartment collection and have requested a copy of my credit report through transunion who also froze my credit. The apartment is working with their legal team as well as police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AZ
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 have been a victim of identity theft and I am attaching copies of the FTC Report that I submitted to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/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 2023-06-26
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:
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, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2020-08-11
Company: Experian Information Solutions Inc.
State: AZ
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 have been a victim of identity theft and I am attaching a copy of my FTC reports that I have submitted to the credit bureaus via certified mail.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated 25 dollars a month.

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 2023-08-04
Company: Conn's, 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, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In a response provided by the company Eagle Home Mortgage , LLC., regarding a matter in relation to the denial of approval for a Federal Housing Administration loan for which I am continuing to seek further information and clarification, the mortgage lending entity Eagle Home Mortgage details that on XX/XX/2020, " Statement of Denial ... was sent to MrXXXX XXXX current address via U.S. mail. '' As the applicant, who clarified my mailing address in  numerous pieces of documentation, I never received such a letter detailing the reasons behind the denial of my mortgage application, neither by mail nor electronic messaging, and have continued seeking this piece of information from the mortgage lender, as it is a crucial piece of evidence in my continued dealings with a home builder in the state of Florida. 

I am requesting that Eagle Home Mortgage forward me evidence of the mailing of such a letter, such as a tracking number, a date and time scan from the mailer provided in a paper report, or stamp with the date and time of acceptance to verify the truthfulness of this claim. Additionally, because the matter of my denial pertains to disclosures of my citizenship status in the United States, I would like the lending entity to clarify whether they explained, disclosed, or stressed during the lending process that approval of the loan was contingent to status as a U.S. citizen or permanent resident, and why it is that a discrepancy exists between their copy of in my responses to Section VIII of my initial Uniform Residential Loan Application and my own original version. 

The responses I have received from the lender are in contradiction with guidelines established by the Federal Housing Administration,  so I am seeking to be in receipt of their lending policy procedures and details of their requirements, in addition to evidence of whether such requirements were disclosed from the beginning of my initial application.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion, XXXX, XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.t

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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:
I have been a victim of Identity theft and have attached my credentials and a report to be sent to the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
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:
I am writing to report a matter of significant concern regarding unauthorized credit inquiries and an unauthorized credit account on my credit report. I kindly request your assistance in addressing this issue, as my efforts to resolve it with Equifax have thus far been unsuccessful. 

On my credit report, I have identified two separate unauthorized credit inquiries that I did not authorize. Furthermore, there is a XXXX XXXX XXXX XXXX  account that has been listed for the past eight months. I wish to clarify that I did not initiate or authorize this account. 

I strongly suspect that my identity may have been compromised, as I have no affiliation with these inquiries or the XXXX XXXX  credit card account. The presence of these items on my credit report poses a significant risk to my financial stability and creditworthiness. 

I have made multiple attempts to have the XXXX XXXX account removed from my Equifax credit report, but my efforts have yielded no success. This has prompted me to escalate the matter to your agency in the hope of receiving appropriate guidance and resolution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to safeguard my personal and financial information. I have taken immediate steps to protect my identity, such as notifying my financial institutions and closely monitoring my credit report. However, I believe that your intervention is essential to address this situation promptly and effectively. 

I would greatly appreciate your assistance in resolving this matter as soon as possible and ensuring that my credit report accurately reflects my financial history and identity. Your support in this regard would provide me with much-needed peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 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.

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 2022-08-25
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX. They gave 12 months after graduation before repayment began. Before the 1st payment was due I contacted Sallie Mae to see if I could receive forbearance or deferment due to not working and not being able to afford tye current monthly payment of {$570.00} Which was due XX/XX/XXXX. I was informed nothing could be done except to apply for my payment to be lowered based off of my income in which I did on XX/XX/XXXX. My payments were lowered to {$350.00} of which I could not afford so I asked if any other options were available. I was informed that I can find a company willing to purchase or consolidate my loan, go back to school, borrow from friends and family or ask my cosigner to cover the amount until I am able to cover it and pay my cosigner back. Due to the pandemic my cosigner is unable to help. I am currently past due {$1300.00} since the 1st payment due date in XXXX. Although I'm currently searching for employment since graduation I have no relief from my loan servicer. I call weekly to keep them updated with my financial status, and I always ask is there anything else to be done that can help refrain from default but unfortunately there is no relief and every call made I am told to borrow more money from family and cosigner. With the pandemic still in effect I Dont understand why there is no other relief available to borrowers. The payment amounts are easy to cause default especially to someone like myself who in unwillingly unemployed for the time being. I tried to navigate the site for help with difficulty making payments but was directed to calling my servicer for help which was already done atleast once weekly/biweekly, and information on filing chapter XX/XX/XXXX & XX/XX/XXXX bankruptcy and what will happen if your account becomes delinquent or defaults.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation