BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-01-05
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:
This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$30.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.

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 2022-06-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the credit fair reporting act account # 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 states a consumer agency can not furnish my 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 2023-11-12
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account Number : XXXX Claim Date : XX/XX/2023 Claim Number : XXXX Claim Amount : {$3100.00} Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I have had trouble with the dispute process I had to file my dispute twice for them to even recognize it on this companys website they say that if your account is open for more than 30 days then it is not considered a new account. Although throughout the dispute process they are treating my account like a new account for example they did not give me any updates on the dispute until 20 plus days but for accounts that have been open more than 30 days I was supposed to get that information in 10 days via their policy. They claim they denied my claim because they say I said I didnt activate my card when in fact I did activate my card. My account was compromised and had a numerous amount of unauthorized charges. I even got a notification from XXXX XXXX XXXX that my banking information was being used and sold in the dark web.Now that I am denied I am asking for a reason I was denied and also to issue me a provisional credit while they re-open the investigation and actually try to solve my dispute case.

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 2022-12-02
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX have 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. 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 2023-04-12
Company: EQUIFAX, 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:
I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ).

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the credit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NELNET -Requested a refund for XXXX dollars on my XXXX consolidated student loan. Was told 7-10 for it to be approved. Per the CARES act, all payments made after XX/XX/XXXX can be refunded. Now I call and get differing information everytime I call. Sometimes it is the balance will reflect only when the check is issued. Sometimes it is the balance will reinstate and the check will be issued 2-4 weeks after. 

Would like accurate information and also to have my balance reinstated and also for my refund check to be sent. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Systematic National Collection, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the refer the debt to another agency and close case, the information results in a increase of debt and worsening deformation on my credit report of the amount reporting owed. The original debt reported had no interest and should report the correct and true debt owed not a made up number when the consumer debt is sold or referred to another creditor agency. A Scanned copy of a individual ( initials XXXX. ) named on a cashiers check and provided a police report # XXXX case # XXXX XXXX XXXX XXXX Police Dept ( copy attached ) and Informed the Original creditor that the debt was done by not intention but I ( Claimant S.E ) was a VICTIM of fraud the named individual ( Initials XXXX. ) was never prosecuted for the issuance of the cashier check # XXXX. I attempted to seek restitution and trying to arrange a payment to the original creditor or collection agency. the Creditor continued to harass me when I attempted to validate the ACCURACY OF AMOUNT of debt owed they the agency retaliated ( in numerous deformation attempts ) by increasing the amount of original debt by adding over 120 % Interest to a none-interest account, deformation of my good credit rating and continued to report though multiply creditor on my credit report two different amount owned that are not the true amount what was reported on my credit bureau. 
Systematic National Co XXXX Account # XXXX and XXXX XXXX XXXX XXXX reporting {$2300.00} Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX in XXXX, California, and Linebarger Goggan Blair & Sampson are trying to collect a debt from me that I do not owe. They have placed a hold on my son 's back account ( I am on his account, but it is his money that he earned from his job and can prove ). According to their records, I have a traffic violation from XX/XX/XXXX with my old California Driver 's License. However, I have lived in Illinois since XX/XX/XXXX. When I got my license here in Illinois in XXXX, XXXX of the requirements was that I had to surrender my California driver 's license. Which I did. In XXXX, I did not have a California 's driver 's license. Also, in XXXX I gave birth on XX/XX/XXXX to my XXXX child. I found out in XX/XX/XXXX, that I was expecting my XXXX child. In XXXX my husband and I purchased our home. I was not working, as I was a XXXX XXXX XXXX mom. Our finances were extremely limited, and we were not traveling. This is not my debt, and I have enough information to prove that. I would like my son 's money returned, as that is the money he works for, to help pay his college fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payoff was submitted to my credit card company on XX/XX/XXXX through an escrow account and the credit card company cashed the check on XX/XX/XXXX but didn't apply it to my account. 
I called an opened a case with them on XX/XX/XXXX # XXXX and they advised me that the payment was not applied to my account but to a general clearing account. They are trying to track it down and as of today, they can not find it to apply to my account. The payment was for {$14000.00}. 
I was advised that my next payment is due in 2 weeks and they hope to find it by then.

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 monetary relief
Consumer complaint received 2023-04-07
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:
When I reviewed my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$32000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Caneel Capital, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trinity Financial Services , LLC violated Regulation X by ( 1 ) failing to maintain a complete servicing file, ( 2 ) failing to obtain a complete servicing file from the prior servicer, and ( 3 ) failing to provide a complete response to a request for information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Diversified Adjustment Service, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A bill collector for XXXX Called Diversified Adjustment service , INC . Located at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. Without warning or proof of this debt being mine posted this debt on my credit report. When I called them on XX/XX/XXXX, to investigate this company and why their Name was on my credit report. The person said that this was my debt from XXXX XXXX company from XXXX to XXXX. I informed them that I settled this account and to take it off. The person said it would remain there until the debt was settled. I do not have proof of this settled account because I can't find it. It's been a few years since I paid this bill, and I don't have my receipt. But my point is that they didn't even send me ANY BILLS or give me any warning or proved I owed this money before they put this on my credit report. I had no chance to dispute this debt before they reported it and lowered/damaged my credit report. I've worked hard at fixing my credit and they are damaging my credit with this unproven debt. I sent them an Email to remove it and it's been 5 months and they have not removed it. I disputed it on XXXX and XXXX XXXX and it has not been removed. Can you please help me get it removed? I settled this account back in XXXX. Thank you, kindly XXXX 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 2023-12-17
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My paycheck was stolen from mail who ever received it somehow was able to steal my identity also simply to open up a bank account online with US BANK so that they could be able to cash my check withdrawal funds few week after by chance I went to USBANK trying to open a direct deposit account that when I was informed the an account already existed I file a claim with US BANK they send some forms to fill out I did that weeks later received a letter from US BANK fraud liason center telling me that my claim has approved and that's the last Heard from them everything I called the they'll give a different answer like they where still investigating to should get my refund in a few month finally they said that they couldn't prove my identity. So why did they send me a letter telling me that my claim has been approved

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 2022-06-01
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I closed on my home loan with AmeriSave. The home cost XXXX and in the agreement of sale, signed by both myself and the seller, I was to receive 5 % sellers assistance ( XXXX ). 
I received the closing documents on XX/XX/2022 that stated my closing cost would be {$5900.00}. I proceeded to get a cashiers check for that amount. On the day of settlement, XX/XX/2022 as I was shown the closing documents, I stated that the amount for closing had changed. It now read {$6600.00}. I pointed out to the Title Agent ( XXXX XXXX ), that the numbers were not the same. The Title Agent told me to phone AmeriSave  to see what had changed. My agents asked what usually happens in such cases and title agent said, Somebody needs to go get a check. In speaking with AmeriSave  I was told that there were additional fees that I am now responsible for. I then left the settlement table, drove to my bank and requested an additional check. I returned in 40 minutes and it was very hectic. I signed the papers and left. The sellers agent then phoned my agent to say that the paperwork was incorrect and AmeriSave had not accounted for the 5 % sellers assistance. The sellers agent then called the XXXX XXXX in hopes of stopping payment on the check and was told that the Buyers agent needed to call. When my agent phoned, she relayed the information to XXXX and thus far, no results. The seller refuses to honor his contractual agreement and my agent has received no updates from XXXX. My agent phoned AmeriSave and was told that there is nothing that can be done as the the loan has closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation