BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: LA
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above Has violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

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

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a a charged off account on my Transunion that I want deleted! This account isnt me and even went to court and it was dismissed because it isnt mine.

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 2021-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX. Over three years or so I joined XXXX XXXX XXXX, in XXXX NC. Right a COVID-19 started, I was unable to attend because of fear of catching COVID-19. In that regard I called a cancelled my membership. 
XXXX  XXXX XXXX is still withdrawing money from my account till date. ( XXXX XXXX account ) It has been over a years I stop attending and they are still withdrawing funds from my account. I have asked them to stop and made several phone calls. 
They are withdrawing money from ( XXXX XXXX ). XXXX  XXXX is my brother and have written his bank and they have withdrawn over a XXXX dollars and still withdrawing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUn

ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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 XXXXK.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-07-09
Company: Grant & Weber
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:
Grant & Weber are reporting a fraudulent account that doesnt belong to me on my credit report. I didnt open this account nor did I authorize anyone to open this account using my personal information. Please note the attached FTC report and remove this account from my credit profile.

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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express was advertising a 0 % introductory rate for 15 months for their Cash Magnet card at the time of my application ( XXXXXXXX XXXX 2022 ). This promotional offer is still active and a screenshot from their website advertising it is attached. I decided to apply for this card in part due to their promotional offer despite many other cards through other financial institutions having similar offers. I began noticing that there were interest charges being charged on the account and I reached out to American Express to get answers. I called and was told that this issue " will be looked into '' and to wait 2-3 weeks and someone from American Express will reach out to me. After about a month of not hearing anything I call again and am told again " we will look into it ''. All the while interest is accruing. I have been charged a total of {$1100.00} in interest charges since opening this account in XXXXXXXX XXXX  2022 on a " 0 % intro APR on purchases and balance transfers for 15 months '' promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: KY
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 grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
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 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 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$640.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : 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 2021-07-09
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX credit check run was done by XXXX XXXX  on XX/XX/2021 There wXXXX XXXX different hard inquiries by XXXX  XXXX on XX/XX/2021, Curo Management, Llc on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the XXXX  and I haven't requested credit inquiries or used my credit cards during this travel.

I am contacting the companies to inform them about the fraudulent activities.

In addition to that, I have contacted XXXX, XXXX, and XXXX  to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in 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 2023-05-21
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX, XXXX, and XXXX that my information was stollen and used for credit cards, and more. Also some hard inquiries that i didn't authorize and know about. I would love to have them remove from my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. 
THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SYNCHRONY FINANCIAL
State: MA
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:
Hello, A credit card was opened by someone who stole my SSN and XXXX somehow ( assuming it was leaked data I got warnings about from XXXX security regarding accounts using my G-mail ). The credit card company was Synchrony XXXX XXXX XXXX This blemished my XXXX XXXX, so I was able to pull the following from my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FRAUDLENT TRANSACTION INFO : XXXX via XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above was not authorized by me. this was someone with my XXXX and XXXX, who got it approved. They also have my name and address. 

I immediately called Synchrony Bank and they filed an investigation for me and suggested that I reach out to CFPB. their process will take 60 days they said. 

I would like help protecting my identity and also to remove this fraudulent credit check that hurt my XXXX XXXX. 

Thank you,- 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 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX XXXX XXXX # XXXX and XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2023-07-07
Company: HireRight Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Hireright.com cant finish my pre-employment report because they dont know how. They say theyre going to share my information with a third party locally to help them figure out how to do the criminal background check in the county where I live, but I dont want it shared. They shouldnt be getting paid for reports they dont know how to do. They also shared my info immediately because as soon as the process started, I started getting twenty robocalls a day from many numbers. This scam company should not be allowed to operate in this country! They already are causing me three weeks with no work when I shouldve started already, because they sold my prospective employer a report they didnt know how to do. They havent even tried.

Company response to consumer: Closed with explanation