BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 request the immediate removal of fraudulent inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or initiate. 

As a responsible consumer, I take great care to maintain the accuracy of my credit report, and these unauthorized inquiries not only jeopardize my credit score, but they also pose a risk to my financial security and well-being. 

I demand that TransUnion take immediate action to investigate and remove these fraudulent inquiries from my credit report. I am requesting that this matter be resolved as soon as possible, as I believe that these inquiries are negatively impacting my creditworthiness and financial reputation. 

I would appreciate your prompt attention to this matter. I have already filed a report with the FTC and also sent in certified mail, an Identity Theft Affidavit with my SS card attached and my driver 's license for identification purposes. If you require any further information or documentation from me to support my claim, please let me know and I will provide it promptly. 

Thank you for your attention to this important matter.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. 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 15 U.S.C 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 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 2023-02-14
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:
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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX 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 explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 explanation
Consumer complaint received 2021-06-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. 
I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX  years of age and in poor health, I am unable to work. 
For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: In progress
Consumer complaint received 2021-08-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2017 my husband passed away after battling XXXX XXXX. Because of this i was unable to afford to live in my house. I contacted Mr. Cooper, my mortgage company, and told them in was interested in proceeding with a deed in lieu. I filed paperwork including financial records and a hardship letter. After numerous phone calls, all harassing, all asking the same questions, i was informed that a lien was placed on my property and a deed in lieu could not proceed until the lien was satisfied. I could not find any liens and was never allowed to proceed with the deed in lieu. The harassing phone calls continued, the late fees keep piling up and the homeowners association related to the property has attached my bank account. Recently, I hired a lawyer/ realtor to short sale the property. Mr. Cooper, without my knowledge locked me out of the house. The company they hired stole a refrigerator from the back deck and cut the copper pipe from the basement. Even with these issues we found a qualified buyer. My realtor proceeded with the short sale filed all the necessary paperwork numerous times ( we tried to go to settlement and had to change the dates 3 times ) and Mr. Cooper had no intention of letting the short sale happen. Im at the end of my rope with the deceptive tactics Mr. Cooper has used to block me getting rid of this property. I just don't understand what they have to gain by doing this to someone. I did not stand to make anything off this property I just want out I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.

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 2021-08-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. Today 's date is XX/XX/2021 and I have yet received an update. Please update my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.

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 2022-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is now my second complaint with Carrington Mortgage services which was XXXX. This complaint was finally addressed and I was made successor in interest. Since that time I've been attempting to assume my mothers loan with Carrington ( XXXX XXXX XXXX # : XXXX ). The last thing we are waiting on is for probate to close in XXXX XXXX so the new title can be issued in accordance with my mother 's will. I've informed Carrington that the delay is with the courts, and I offered to have a letter from our probate lawyer to verify that is indeed the case. It seems that even with a " cloudy title '' as they themselves have described it, they've decided its okay to now start the foreclosure proceedings. Every rep this year has told me something different and at this point I have no clue what I need to do to assume my mother 's loan. Which was over a year ago now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My first letter to Equifax about these acollections was sent in XX/XX/XXXX. I sent out verifications & validation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax only responded XXXX weeks ago, claiming that the collections had been validated, but they have not and do not belong to me. 

The FCRA requires you to preserve a copy of the original creditors ' documentation to verify my information. Your investigations " confirmed '' that these items are " reported appropriately, '' you wrote. Who approved these accounts? You have failed to provide me with a copy of any original documents ( a consumer contract with my signature ), as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In addition, you failed to submit Section 611 ( a ) verification ( 7 ). According to FCRA Section 611 ( 5 ) ( A ), you must " immediately DELETE all information that can not be verified. '' Civil liability is obvious, as are my remedies ( Sections 616 & 617 ) for breaching federal law. I am a litigious customer who intends to litigate in order to enforce my FCRA rights. 

I need these accounts verified or terminated right away : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXXL XXXX XXXX XX/XX/XXXX {$80.00} XXXX Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Description : I purchased XXXX in Bitcoin using the application Coinbase  in XXXX of 2021. Since that time, I haven't done any other transactions using the Coinbase  application. On Monday, XX/XX/XXXX at XXXX, I received a text from I believe Coinbase ( number on text was XXXX ), stating a " New Login successful. If this was not you, visit coinbase.com/disable ''. People have told me never click on the link in a text that you are not absolutely sure who it is so I didn't. I called the support number for Coinbase and disabled the account. At approximately XXXX that night someone withdrew from my entire portfolio of {$18000.00} leaving me with a XXXX  balance. I had to have Coinbase recovery my account which took 3 days. On XX/XX/XXXX, at XXXX, i received another text ( from XXXX ) stating the following " withdrawal successful. If this was not you, visit coinbase.com/disable ''. At this time my account was in recovery so I could not signon. On XX/XX/XXXX, at XXXX ( from XXXX ) stating " Your coinbase account recovery is successful. You should now be able to signin ''. This is when I found out my portfolio was XXXX. Since then I have sent all the information to Coinbase who has opened case # XXXX to investigate my fraud case. It's now XX/XX/XXXX and seven days have passed and no response from coinbase as of yet. I have filed a police report with the local station here in XXXX XXXX. The police record for my case is XXXX and Officer XXXX XXXX was the policeman who spoke with me. He call me on the evening of XX/XX/XXXX at XXXX to follow up if I had heard back from coinbase which I informed him I had not as of yet. He did send an email to coinbase as well on XX/XX/XXXX the day I reported with all my information. Last night he said he would send another one and check back with me in a week. I am very frustrated at this point since there is no one to speak with at coinbase, everything being handled via email. Where can I turn to at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have parent plus student loan with XXXX XXXX XXXX in Iowa, start paying XX/XX/2008 and ( my monthly payment was XXXX $ ) my paper statement amount of principal and customer service amount are different. Paper statements show original principal amount of loan is XXXX and I paid XXXX ( plus interest of XXXX ) but when I contact customer service they told me I have principal amount of XXXX. That is different amount of XXXX. I spoke with customer service many times to explain me what is wrong or right and they are rude and unprofessional, unfortunately they didnt tell me why paper statements balance and balance in sistem not same. Something is wrong and I find out that many people complain about same problem with this company.

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 2023-02-15
Company: Experian Information Solutions 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 filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.

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 2022-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$2500.00} was taken out of our checking account without our permission. We dont know who took it out. They treated us like criminals. Citizens Bank kept cutting me off when trying to talk. They said IF we got it back IF it was fraudulent then we might get it back in XXXX business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application to Wells Fargo Home Mortgage to refinance my existing mortgage on XX/XX/XXXX. I was informed by the representative that I had to pay appraisal fee & if the application was disapproved I would be refunded the fee. I agreed and paid the fee. However, during the process I received the approval estimate for the agreed loan, however, the company disapproved the application during the final steps of the process because my deed was a life estate deed & they requested I reverse the deed. I attempted to change the deed however with the Covid outbreak the office was closed to the public & everything was being done by mail which would take longer. I informed the mortgage co. & they stated that I would lose the rate lock that would result in paying another fee to keep the rate lock. Therefore, they closed the application & I requested the refund of the fee, which was denied. I filed a complaint with the company & they responded on XX/XX/XXXX stating that the fee was to a third party & they had no evidence that the representative informed me that I could be refunded. I have full powers of the property in the life estate deed & the company informed me that I could remove it & then place it back in life estate deed once the refinance was completed, which did not make any sense to do and cause more fees.

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