BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.

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 2022-09-06
Company: Credit Karma, LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma led me to believe that i could get personal loans and or a credit card to help build my credit since ive been using their app. Everytime i have been denied and my time is wasted as well as my credit report getting worse instead of improving it. This is unacceptable and should be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
On XXXX XXXX Account Name XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( 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 2023-04-08
Company: EQUIFAX, 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:
AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX
Phone number
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Account information incorrect

Complaint:
There is info with a accounts that are inconsistent across all CRA 's with a couple of accounts including starting dates and past balance due.

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 2022-09-06
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
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 # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SHELLPOINT MORTGAGE for 3 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SHELLPOINT MORTGAGE account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-07-10
Company: DISCOVER BANK
State: VT
Product: Credit card
Issue: Balance transfer

Complaint:
In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

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 2022-11-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 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 explanation
Consumer complaint received 2018-07-07
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Maury Cobb, Attorney at Law, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received an alert that a debt from XXXX collection agency in Alabama had been recorded on my credit report. It stated that the original creditor was XXXX I called XXXX Collections on XX/XX/XXXX and they said that they could not help me and that I had to speak to Maury Cobb , Attorney At Law , LLC in Alabama who handles their business. I've tried several times to reach Maury Cobb , Attorney At Law , LLC without success. I called XXXX. I'm not now, nor have I ( or anyone in my family ) ever been a XXXX customer. XXXX told me that three telephones were purchased in my name in XX/XX/XXXX. The telephones were shipped to a residential address in Pennsylvania. I have never lived in Pennsylvania. I do not have any family or friends in Pennsylvania. XXXX said that since the matter is now in collections that it was no longer their concern. I hadn't heard from XXXX, XXXX XXXX, nor Maury Cobb , Attorney At Law , LLC before XX/XX/XXXX. The debt is fraudulent and a result of identity theft. I filed a police report with the XXXXXXXX XXXX XXXX. Report # : XXXX. ( I live in XXXX, XXXX  ) on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My phone # is registered on the DO NOT Call List since XX/XX/17. I get calls all day from different # 's each time & it's a robocall recording asking me to hold on the line for next available agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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:
I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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

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

15 USC 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 2022-12-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have 3 accounts with Wells Fargo ( WF ). I tried to open a self directed consumer trust account under $ XXXX. I first went to the bank, with an appointment and they had no notary. I tried doing it on line and by phone with no success. I went to a branch again and I was able to get the forms but had no luck completing the account. The branch people have no idea what they are doing. I called WF while I am at the branch to attempt to get this completed. I spoke to many people and was transferred about 12 times, to every department and Wealth Advisors but nobody could tell me how to complete the documents that the WF branch gave me - form XXXX Certification of Trustee. I have filed within WF and they have gone silent. I am a long standing customer with WF and I believe based on my skin XXXX, ethnicity, having the ability to open a Trust they are discriminating against me and will not open up a Trust account and are instead giving me the run around. Yes I have all the duly executed Trust documents.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: MI
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 have been a victim of identity theft. none of these transactions belong to me

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 2023-12-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and Experian XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXXXXXX Balance : {$400.00}.

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